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Duncan Law, LLP
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We hope everyone had a nice Thanksgiving and is gearing up for the Christmas and holiday season!
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Q: Can I Withdraw Or Take Out A Loan From My Retirement After Filing Bankruptcy?

A: http://www.duncanlawonline.com/loan-or-withdrawal-after-bankruptcy/
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What Are the Steps to Filing A Chapter 7 Bankruptcy?

A question often asked is what steps do I have to go through to file a Chapter 7 Bankruptcy and how long will the whole process take?  The short answer is that depends on several factors.  Below is a general timeline and the steps involved in filing for a Chapter 7 Bankruptcy.

Step 1:  Gather important and required documents - This includes such things as pay stubs, tax returns, vehicle Proof of Purchase or Title, the Deed on your house etc.  The timing of this process depends on how organized and accessible these documents are.  Sometimes people can gather this information in a few days and others take a few weeks to put all of the documents together.  For example, a client may need to request tax returns or insurance information, which can hold up this process.

Step 2:  Fill out a bankruptcy workbook and take the mandatory credit-counseling course - This is the paperwork that you must fill out and complete.  This will include information about the property you own, income and expense information, and a few other general questions.  This paperwork can seem daunting but it is actually fairly simple.  People normally take a couple of weeks to fill out this paperwork.  It could be done in less than a day but often people prefer to take breaks or gather more information while completing this task.  You will also go online and complete your mandatory credit-counseling course.  You will go to the website, take the course, and then write down your control number in your bankruptcy.  This control number is good for six months and verifies that you did take the mandatory course online.  

Step 3: Turning in your paperwork and making your first payment - Once you have gathered all of your required documents and have completed your entire bankruptcy workbook you can turn the paperwork into the office and make your first payment.  Once a workbook is turned in, the office needs between two and three weeks to put everything together.  During this time we will be calling or emailing with additional questions and clarification.  The sooner we have answers to these questions the sooner we can file your bankruptcy.

Step 4: Signing Appointment - Once we have prepared your bankruptcy our office will make an appointment with you to sign all of your bankruptcy paperwork, which is formally called your bankruptcy petition.  Once we are both satisfied with your petition our office will file your bankruptcy with the court.  You will be responsible for paying the court filing fee and the mandatory credit-counseling fee at this time.  You must also bring in any remaining balance of attorney fees the day of this appointment.

Step 5: Complete Mandatory Financial Management Course - About ten days after we file your petition you need to complete the mandatory financial management course online.  Save your control number from this course and come into our office to pay the fee for the financial management course.

Step 6: Creditors Meeting - This is the day when you “go to court” for the bankruptcy.  The bankruptcy trustee will ask you a few simple questions that you are to answer honestly.  This meeting normally takes place about a month after our office files your bankruptcy petition.

Step 7:  Discharge and Final Decree - If everything goes according to plan you should received what is called a discharge and final decree in the mail about two to three months after your creditors meeting.  This means the bankruptcy is complete and your debts have been discharged.  It is very important you keep this document in a safe place where you store other important documents.  You now have a fresh start to rebuild your credit and live a debt free life.

To learn more about Chapter 7 bankruptcy go here: http://www.duncanlawonline.com/bankruptcy/bankruptcy-types/chapter-7-bankruptcy/

#Bankruptcy   #Chapter7Bankruptcy   #Debt   #Timeline  
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Check out our newest workers' compensation blog post about a Form 33 in workers' compensation.
 
Q: What is a Form 33 in a North Carolina workers' compensation case?

A: http://www.duncanlawonline.com/what-is-form-33-in-workers-compensation/
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We wanted to wish everyone an early happy Memorial Day. We all enjoy having the day off and the opening of swimming pools but remember the reason for the day. Give thanks to those who serve and have served our country!
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*New Workers Comp Blog Post* - Q: What Is A Form 24 In A North Carolina Workers’ Compensation Case? A: http://goo.gl/WgvBu
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*New Blog Post* - Q: Can I Collect Rent If I’m Surrendering Rental Property in Bankruptcy? A: http://goo.gl/vhfcj
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*Q: Will Bankruptcy Wipe Out Student Loans?*
A: http://www.duncanlawonline.com/bankruptcy-wipe-out-student-loans/
While technically you do have the ability to discharge student loans in a bankruptcy, in almost every case the courts do not allow you...
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The end of the year rush is here! Enjoy this time of the year with family and friends!
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Woohooo!
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*New Blog Post*

Q: What Is A Form 28 In North Carolina Workers’ Compensation?

A: http://www.duncanlawonline.com/form-28-workers-compensation/
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*New Blog Post* - Q: Is Gross or Net Income Used To Determine the Average Weekly Wage in Workers’ Comp Cases? A: http://goo.gl/qLbAk 
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Contact Information
Map of the business location
Independence Tower 4801 E Independence Blvd #1100 Charlotte, NC 28212
4801 East Independence Boulevard #1100USNorth CarolinaCharlotte28212
(704) 563-1224duncanlawonline.com
Bankruptcy AttorneyToday Closed
Monday 9:00 am – 5:00 pmTuesday 9:00 am – 5:00 pmWednesday 9:00 am – 5:00 pmThursday 9:00 am – 5:00 pmFriday 9:00 am – 3:00 pmSaturday ClosedSunday Closed
At Duncan Law, LLP we are a family run bankruptcy and workers' compensation law firm.


We help people file Chapter 7 and Chapter 13 bankruptcies. Bankruptcy may stop the foreclosure of a home, repossession of a vehicle and may wipe out most, if not all, of your unsecured debts (credit cards, medical bills and personal loans).


We also help those who have been injured at work and need an attorney to help them receive the compensation they deserve.

Simply contact us today to set up a consultation. We look forward to working for you and with you.
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"It is no wonder that Terry has such an incredible record in bankruptcy cases."
"I interviewed several bankruptcy attorneys before selecting the Duncan Law firm."
"All of his office staff were also very knowledgeable and friendly as well."
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Have them in circles
113 people
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Cherie Francisco's profile photo
Cherie Francisco
3 years ago
I interviewed several bankruptcy attorneys before selecting the Duncan Law firm. From the moment I walked in the door I knew they were the best choice to help me with my complicated situation. Mr. Duncan is by far the most knowledgeable and experienced bankruptcy attorney in the Charlotte area. His staff is friendly, knowledgeable, and responsive to any questions I had throughout the process. Even though this was the most difficult time for me they were all very compassionate and reassuring. The hearing went seamlessly, which meant that Mr. Duncan was thorough, accurate and detailed. I know of several other people who hired other attorneys and did not have nearly the flawless experience that I had. I cannot express how grateful I am to have had their help with everything. I highly recommend them for anyone considering bankruptcy.
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Response from the owner - 2 years ago
Thanks for your kind words Cherie!
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Susie Lawhorne
3 years ago
These are some great people. So down to earth. I feel like I am being taken care of. Thank you, Susie
Response from the owner - 2 years ago
Thank you Susie. It was so good to work with you. Don't hesitate to let me know if you have any questions!
A Google User
3 years ago
Duncan Law was amazing. Truly, behind every good leader is a fabulous staff. Terry Duncan has this! The whole firm helped us through a very difficult time! Mr. Duncan and his staff are very understanding, prompt, and professional. I would highly recommend Duncan Law to anyone even contemplating bankruptcy. From the consultation to the court date and there after, they had us prepared and at ease.
A Google User
4 years ago
I worked with Terry Duncan for my recent ch 7 and I am so glad that I chose them. They made a very difficult, tense situation.....easy. I would especially like to thank Rose for all of her work. She is the best!!!!!! No matter how many questions I had, she would answer them without hesitation. With their knowledge and wisdom, they saved me an additonal $16,000. I was receiving letters from creditors threatening adversary proceedings. They told me to wait it out. I did and the other firms were just bluffing. Had I not taken their advice, I would have had to cough up an extra $16k. Thanks for your advice!!!! Bankruptcy was a difficult decision to make, but it was the best one I have made in my life. Thanks to the Duncan Law firm, they made the process as painless as possible. I will send you any referral I can!!!!!! Danny
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Doug Brooks
4 years ago
After extensive research of Charlotte attorneys, I picked Terry Duncan and am so grateful that I did. He is organized, knowledgeable, and knows the system extremely well. He spends ample time with his clients and makes the process as easy as it can be. His staff, including Rose, Tracy, and Melissa were courteous, prompt, and extremely helpful during the preparation process. It is no wonder that Terry has such an incredible record in bankruptcy cases. Look no further, Terry is the man! Doug
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Response from the owner - 2 years ago
Thank you Doug! I agree, our staff is awesome!
A Google User
4 years ago
I did my research online for BK 7 lawyers and read all the good reviews for Duncan Law Firm and they were spot on. They made the whole process very easy and made my 341 a breeze. Terry and he's staff are very nice and will help you through this tough time in your life. Make an appointment as soon as you think you need to file.
Response from the owner - 4 years ago
Thanks Dan, we appreciate your kind words.
A Google User
3 years ago
Mr. Duncan is friendly and professional, and paid great attention to the details of our bankruptcy case. He was very reassuring and a source of strength through this difficult and scary time. All of his office staff were also very knowledgeable and friendly as well. We arrived early to the creditors meeting, and was able to get an idea of what we were about to experience. We noticed numerous persons who had arrived under-prepared. Not any of Mr. Duncan's clients. All of the ones we witnessed (including ourselves) were asked the basic questions, then were free with no further questions. We are very thankful for all of the help and hard work Terry Duncan has done for us during this very stressful period. We would easily recommend him to anyone in need of filing bankruptcy, and have already referred our daughter to him.
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A Google User
4 years ago
If you must file for bankruptcy I urge you to contact Terry and his staff. Terry is a personable guy who will help you feel at ease through a difficult time. His staff is friendly, helpful and will always respond to your questions in a timely manner. In addition Terry's clients seem better prepared than others. In fact our result was much better than expected. Highly recommended!
Response from the owner - 4 years ago
Thanks John!