DebtLawHelp.com. Law Office of Joseph M. Bochicchio, PLLC

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Debt settlement is the right option for individuals who are looking for the following benefits; Reduce debt burden and avoid bankruptcy; A single monthly payment; Waived late charges or over-the-limit fees; and Possible protection from judgments, levies, and some collection activities.

Yes, We provide our clients with everything in writing and complete access to view their account 24/7.

In a Chapter 13 bankruptcy, you’ll come up with a plan to pay back your debt based on your regular wages. Creditors will receive these predetermined payments for anywhere from three to five years.

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5pm!

No, we are currently only open Monday through Friday!

Charlotte, NC!

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Monday through Thursday 9am to 5pm. Friday 9am to 12pm. Closed Saturdays and Sundays.

We service Charlotte, Gastonia, Concord, and Statesville, NC.

Debt management is for individuals in the following situations: -Individuals with unsecured debt and payments in excess of income left over after “priority debt” is paid (i.e. mortgage/rent, autos, food, utilities, gasoline, insurances) -Those in financial crisis who wish to avoid legal judgments and levies, and have a chance to work with creditors. -Individuals who want protection from harassment and unfair collection practices -Those who wish to avoid or cannot qualify for chapter 7 bankruptcy, or have assets in excess of available exemption limits (i.e. equity in a home, car, savings, etc.)

Debt Management is the right option for individuals who are looking for the following benefits. -Lower interest rates and monthly payments -A single monthly payment -Waived late fees or over-the-limit fees -Stopping harassing phone calls from Collection Agencies

We specialize in Chapter 7, Chapter 13, and Chapter 11 Bankruptcy.

The Bankruptcy Code is divided into 2 Types, and 5 Chapters. The two types are “Straight/Liquidation” (Chapter 7 only) and “Reorganization/Repayment” (all the rest…Chapters 9, 11, 12 and 13). The two chapters that usually apply to consumers are Chapter 7, where most or all of your debt is wiped out, and Chapter 13, which involves a repayment plan. In most cases, once you file your case, the “Automatic Stay” immediately going into effect. The Automatic Stay is a restraining order that keep creditors away from you and your property. It means that a bankruptcy filing automatically stops, or stays, and brings to a halt most lawsuits, repossessions, foreclosures, evictions, garnishments, attachments, utility shut-offs, and debt collection harassment. Generally, creditors cannot take any further action against you or your property without permission from the Bankruptcy Court.

Debt management plans are offered by the Law Firm of Bochicchio & Pennebaker to clients with unsecured debts like medical bills, credit card bills who need assistance in reducing monthly payments and lowering interest rates to successfully pay off debt. Once you enroll for debt management services, our firm works on your behalf with your creditors to establish a reasonable repayment plan. Managing debt thus becomes much easier than you’ve ever thought of. Single monthly payment replaces many: You’ll make a single monthly payment to the company. The company then disburses the payment to your creditors. This goes on for a specific time period until you have paid off your bills.

We are licensed attorneys in the state of North Carolina. In North Carolina, it is illegal for anyone besides a licensed North Carolina Attorney or a non-profit organization to provide this service, with few limited exceptions. We provide our clients with everything in writing and complete access to view their account 24/7. We have relationships and a course of dealing with many banks, creditors and collection agencies to effectively negotiate on your behalf. Collectors and banks also identify us with having the power to file for bankruptcy protection if they insist on aggressive collection practices, resulting in many cases in the creditors getting nothing as opposed to cooperating with us and getting a partial payment on the account.

Debt settlement plans are offered by the Law Firm of Joseph M. Bochicchio, PLLC to clients with unsecured debts like medical bills, credit card bills, and in general for those seeking to reduce their debt burden while avoiding bankruptcy. It is not a “quick fix” or a fail-proof solution in all cases, but can be a very effective tool to avoid bankruptcy while also helping to manage around collection activities. During the financial analysis phase, we will assist you in identifying a reasonable set amount of funds that you will then begin depositing monthly into a trust account created expressly for you. We will direct you to stop paying your individual creditors. Our office will send each creditor a letter of representation stating that you are enrolled in a debt settlement program with our law firm and direct all collection calls to our office. As funds accumulate into your personal trust account, our firm begins negotiating with your creditors one by one. Once a creditor agrees to accept a reduced amount, the settlement offer is presented to the client for final approval. It typically takes 2-5 years to complete the debt settlement program. The period of completion depends upon your total debt amount and trust account contributions.