Business Details
Your Trusted Bankruptcy Attorney in Asheville
At Mosley Law Firm, P.C, we specialize in guiding individuals through complex debt challenges with compassionate legal expertise. Founded by R. Todd Mosley, our practice combines deep knowledge of bankruptcy law with a client-centered approach honed through years of experience. Having previously worked as a collection attorney, I developed unique insights into creditor tactics that now empower me to protect clients' rights effectively. Admitted to practice in multiple state and federal courts across North Carolina and Tennessee, our firm offers specialized expertise in Chapter 7 and Chapter 13 bankruptcy proceedings.We prioritize transparent communication, helping clients understand their options while navigating the emotional stress of financial hardship. Our proven track record demonstrates consistent success in eliminating debts, stopping foreclosures, and restoring financial stability for families across Western North Carolina. We maintain active memberships in relevant legal associations while continuously updating our practice through advanced legal education. Our commitment extends beyond court representation to include comprehensive client education about debt management and future financial planning.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Relief
Creditor Protection
Financial Restructuring
Highlights and features
- We offer over 15 years of bankruptcy law experience since 2005
- Our team provides personalized guidance through every bankruptcy stage
- Proven success in eliminating credit card debt and medical bills
- We maintain active admissions in multiple federal bankruptcy courts
- Clients receive practical financial education for future stability
What people say
Knowledgeable guidance
Stress-free process
Compassionate support
Successful debt relief
Responsive communication
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy eliminates unmanageable debts through asset liquidation exemptions. This process typically takes 3-4 months to complete, providing permanent debt discharge for medical bills, credit card debt, and personal loans. Clients receive immediate protection from creditor harassment through automatic stay provisions while maintaining essential assets like homes and vehicles.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy creates structured repayment plans for individuals with regular income. This 3-5 year process allows debtors to catch up on mortgage arrears, protect non-exempt assets, and restructure unsecured debts. Our firm specializes in developing customized payment plans that balance financial obligations with living expenses while maintaining creditor protection.
People
R. Todd Mosley
Bankruptcy Attorney
Admitted to practice since 2005, R. Todd Mosley brings extensive bankruptcy experience from both creditor and debtor perspectives. With federal court admissions in multiple districts, he specializes in protecting client assets while navigating complex debt relief solutions. His practice focuses on personalized bankruptcy strategies for Western North Carolina residents.
Questions
What types of bankruptcy do you handle?
We specialize in Chapter 7 and Chapter 13 bankruptcy proceedings for individuals seeking debt relief.
How do I qualify for Chapter 7 bankruptcy?
Qualification requires passing the median income test and demonstrating insufficient disposable income for debt repayment.
Can I keep my property during bankruptcy?
Most clients retain essential assets like homes and vehicles through bankruptcy exemptions.
How long does the bankruptcy process take?
Chapter 7 typically takes 3-4 months, while Chapter 13 requires 3-5 years of structured payments.
What debts cannot be discharged?
Non-dischargeable debts include recent taxes, student loans, and domestic support obligations.
Do you offer free consultations?
Yes, we provide complimentary initial consultations to discuss your specific financial situation.
