Filing Bankruptcy In North Carolina
The decision to file Bankruptcy is a big one. A Bankruptcy can affect your life for years to come. However, it is often the best solution for people who are unable to pay what they owe because of business losses, illness, divorce or other unexpected events.
At the Greenville, North Carolina, law firm of Cannon Law Offices, PLLC, our attorney assists clients with Chapter 13 and Chapter 7 Bankruptcy. Since 1983, attorney Richard L. Cannon III has helped hundreds of clients make a fresh start. He knows the concerns of people who are deciding what to do about their financial situations.
Listed below are some common questions about Bankruptcy.
What is the difference between Chapter 7 and Chapter 13 Bankruptcy?
Simply stated, Chapter 7 is a liquidation Bankruptcy. Your assets are sold to pay a percentage of your debts, and the remainder are discharged. Chapter 13 is a repayment plan that reduces and reorganizes your debt so you can repay your creditors over a longer period of time.
Can all my debts be discharged in a Chapter 7 Bankruptcy?
No. You must continue to pay child support, taxes, student loans under most circumstances, court fines, fraud judgments and some other debts.
How long does a Bankruptcy take?
It depends. A Chapter 7 Bankruptcy in which there are no assets to be liquidated can be completed in as few as 100 days. A Chapter 13 Bankruptcy takes three to five years.
Will I lose everything?
Not necessarily. North Carolina exempts some assets, allowing you to keep your home if the equity is below a certain amount, your car or truck with equity up to certain value, household items up to $5,000-plus more for each dependent, tools of your trade, life insurance that benefits your spouse or child, personal injury settlements or verdicts, most retirement accounts and other exemptions.
Creditors are calling my house and workplace at all hours of the day. Can I stop this?
Yes. By filing Bankruptcy, you are protected from creditors by an automatic stay that prohibits them from contacting you. Tell your lawyer about creditors who violate an automatic stay.
Learn More In A Free Consultation
Our law firm will provide more in-depth answers to all your questions about Bankruptcy. Take control of your life and finances. For a free initial consultation with our experienced Bankruptcy lawyer, contact us. Call 252-355-2010 to discuss your situation.
We are a debt relief agency. We help people file for Bankruptcy relief under the Bankruptcy Code.
Social Security Disability In North Carolina
Social Security Disability (SSD or SSDI) is a program for working people who have paid into the Social Security system while employed, and who have been injured and can no longer work. Although this sounds simple, the majority of first claims for SSD are denied, making the application process anything but easy.
The Social Security Administration will tell you that you do not need a lawyer. However, your chances of success are better if you have legal representation. At our Greenville, North Carolina, law firm, Cannon Law Offices, PLLC, we represent disabled workers at all stages of the process, from initial claims through appeals in federal court. Our attorney has been helping people with Social Security matters since 1983, and has the experience and knowledge to advocate for you.
We also handle long-term disability matters involving employer-supplied disability insurance policies. Employer-provided benefits such as these are covered by the Employment Retirement Income Security Act (ERISA). Our firm can represent you in disputes with your employer or its disability insurance carrier.
How We Help With Claims And Appeals
We make sure that clients understand the application process for SSD or SSI benefits and are informed every step of the way. We also help clients obtain the necessary medical and employment records and assist them with completing the required forms. Our lawyer attends every administrative hearing and appeal himself. You will have a lawyer who cares about the outcome of your case.
How Does Social Security Define A Disability?
Our clients include people with injuries and illnesses such as these:
· Chronic pain
· Back injuries
· Spinal injuries
· Knee replacements
· Heart conditions
· Depression, anxiety, and other mental and emotional disabilities
The disability can be any illness, injury, and physical or mental condition that has lasted 12 months and prevents the person from working at a job appropriate to his or her age, education and work experience.
Expedited Hearings May Be Possible
In many cases, our clients have been unable to work for a long time because of the illness and/or injury. We try to speed the process along by requesting expedited hearings. Many of our clients have experienced serious financial challenges and really need the benefits — they may have been unable to work for many months or years. We know the hardship they face and make every effort to get the long-term disability benefits they need as soon as possible.
We Serve Clients In Greenville and Eastern NC
For a free initial consultation with our experienced lawyer, contact us. Call 252-355-2010 to schedule your appointment to discuss your Social Security Disability claim or appeal. We represent clients throughout eastern North Carolina in SSD matters. There is no attorney fee unless we obtain benefits for you.
Workers' Compensation In North Carolina
The Workers' Compensation system provides benefits to people who are injured at work, regardless of who caused the injury. You do not even need to be on the job site to receive benefits; salespeople, delivery truck drivers and others who travel on behalf of their employers are eligible if they are injured while working. Benefits are also available to people with occupational illnesses. Almost all workers in North Carolina are covered by the law.
At our Greenville law firm, Cannon Law Offices, PLLC, we have been helping people with Workers' Compensation claims since 1983. We get involved at all stages of the process, from initial claim through mediation and appeal. We also help people obtain benefits for a work-related disability or illness that will temporarily keep them from working. Our clients have been able to obtain compensation for their medical bills, lost wages and other expenses arising from the injury.
How We Help People Like You
Our firm will help you complete the paperwork and obtain all necessary medical and employment records. Our attorney attends all hearings and appeals on your behalf. We make sure that you understand how the process works and know the status of your claim at all times.
It is sometimes difficult to obtain benefits after a work-related injury. Employers and their insurance companies try to minimize their expenses, and often deny or reduce legitimate claims in the hope that the employee will not pursue the matter. If your initial claim was denied, let us use our more than 34 years of experience to help you appeal.
Our Clients Come From All Professions
Our clients come from all parts of eastern North Carolina, and are employed in a wide range of industries and professions. Many clients are employed by local universities, hospitals and factories. They come to us for help because they have suffered personal injuries such as:
· Back injuries
· Neck injury and other soft tissue injuries
· Head and brain injuries
· Carpal tunnel syndrome
· Reflex sympathetic dystrophy (RSD)
· Asbestosis, silicosis and other illnesses resulting from exposure to toxic substances
· Hearing loss
Talk To Our Lawyer For Free
For a free initial consultation with our experienced lawyer, contact us today. Call 252-355-2010 to discuss your Workers' Compensation claim or appeal from anywhere throughout eastern North Carolina. There is no attorney fee unless we obtain benefits for you.
Defending Against Traffic Violations
If you received a citation or traffic ticket, our law firm can help. At our Greenville, North Carolina, office, we help clients deal with traffic violations and their consequences in Pitt and Beaufort counties. With our experienced lawyer advocating for you, you may be able to minimize the effect of the violation on your driver's license, your insurance rates and even your job if you drive for a living.
Experience | Dedication | Knowledge
Our attorney, Richard L. Cannon III, has been helping people in eastern North Carolina since 1983. With our dedicated support staff, he is committed to working hard to resolve your case. Don't plead guilty by paying the fine. You will almost always receive points on your license if you do this. These points can add up, and may increase your insurance premiums or result in your license being suspended. Instead of pleading guilty right away, discuss your options with our experienced attorney.
Examples Of Our Traffic Cases
We represent clients in all traffic matters, including:
· Speeding, including speeding in school and construction zones
· Failure to stop or yield when required
· Unsafe or reckless driving
· Crossing the center line
· Driving while license suspended or revoked
· Failure to yield to emergency vehicles
· Failure to signal turn or lane change
We Represent All Kinds Of Clients
Our clients include students at East Carolina University and Pitt Community College, residents of Pitt County and visitors to the area. We also defend clients against DUI/DWI and other criminal charges. We know that facing a traffic violation or minor criminal charge can be disruptive and cause significant stress and anxiety. You can be assured that we will be with you every step of the way as we seek the outcome that most effectively minimizes the consequences of the offense or violation.
Our Goals In Traffic Cases
We first strive to protect you from loss of your license, and then to minimize the consequences of the violation on your insurance premiums. Finally, we seek to keep points off your driving record altogether. When that is not possible, we try to have the number of points reduced. Our goal is to keep you driving whenever possible. To that end, we have helped clients obtain probationary or restricted licenses when their point totals would otherwise lead to the suspension of their licenses.
Contact Us Today
For a free initial consultation with our experienced lawyer, contact us. Call 252-355-2010 to discuss your options after a traffic ticket.
Injured In A Car Accident Near Greenville?
When you are injured in a motor vehicle accident caused by another's negligence, you may be able to obtain payment for your medical bills, lost work time and other costs of your accident. We also help families whose loved one has suffered a wrongful death in a fatal accident. At our Greenville, North Carolina, law firm, Cannon Law Offices, PLLC, we help people obtain the compensation they deserve after a car, truck or other vehicle accident.
Our attorney, Richard L. Cannon III, has been helping injured people since 1983, and has the experience and knowledge to be an effective advocate for you. Even more important, he and the firm's support staff are passionate about helping injured people return to living their lives as fully as possible. Even if you never return to work or to your favorite activities, it is important to have the resources you need to do as much as you can. We can help.
How We Can Help You And Your Family
Our law firm is dedicated to helping people get through the legal process. We make sure that you understand the steps involved in a personal injury claim. You are never alone — we keep you informed and are with you every step of the way. We hire experts when necessary to strengthen your case and pay attention to the details, whether that involves making sure you see the right medical specialists or obtaining police records that document the accident. We do whatever is needed to support your claim, and we do not give up.
We are determined to help people who have suffered head or brain injury, spinal cord injury and disfigurement as a result of a car wreck. We know that you have a long road to travel as you recover. We will be there as you seek the compensation you need and deserve to return to your old life.
Arrange A Free Consultation Today
For a free initial consultation with our experienced lawyer, contact our firm. Call 252-355-2010 to schedule your appointment to discuss your car accident claim. There is no attorney's fee unless we obtain compensation for you.