Financial Lifelines in New Bern, NC
In the historic city of New Bern, North Carolina, Allen Murphy stands ready to assist those facing the complexities of bankruptcy, offering a beacon of hope to individuals and businesses alike.
New Bern's Legal Compass
| Type of Law | Average Settlements | Usual Time Required |
|---|---|---|
| Bankruptcy (Chapter 7) | Discharge of debts | 4 to 6 months |
| Bankruptcy (Chapter 13) | Debt restructuring | 3 to 5 years |
| Foreclosure Assistance | Varies | 1 to 2 years |
| Creditor Mediation | Agreed settlements | 2 to 6 months |
| Asset Protection | Safeguarding assets | 3 to 9 months |
How Allen Murphy Directs New Bern Inhabitants
- Financial Assessment: Comprehensive evaluation of debts, assets, and financial liabilities.
- Strategizing: Deciding on a course of action, whether it's filing for Chapter 7, Chapter 13, or exploring other solutions.
- Documentation and Filing: Handling the intricate paperwork essential for bankruptcy proceedings.
- Mediation with Creditors: Securing better terms or settlements for the client.
- Court Appearances: Providing unwavering support during court sessions and hearings.
Cost Estimations in New Bern
| Service Type | Estimated Rates |
|---|---|
| Initial Consultation | Complimentary |
| Chapter 7 Bankruptcy | $1,400 to $3,300 |
| Chapter 13 Bankruptcy | $2,400 to $4,400 |
| Creditor Mediation | Depends on case depth |
Unique Scenarios in New Bern
- Historic Property Debts: Assisting owners of heritage properties struggling with upkeep costs.
- Tourism Business Setbacks: Helping local businesses reliant on tourism navigate financial storms.
- Natural Disasters: Offering support post-natural calamities, which might lead to unexpected financial turmoil.
Gearing Up for Your Initial Meet
- Document Organization: Collate all relevant financial paperwork, from loan agreements to monthly expenses.
- Honest Disclosure: Provide a complete and truthful overview of your financial condition.
- Future Blueprint: Based on the consultation, understand the proposed plan of action. If there's uncertainty, don’t hesitate to pose a complimentary legal query.
An Unbiased Peek into Allen Murphy
For those navigating financial upheavals in New Bern, Allen Murphy offers expertise in bankruptcy law. From assisting with creditor mediations to safeguarding assets, the services provided are manifold. As financial storms can hit when least expected, knowing where to seek appropriate legal counsel can be a game-changer.
Bankruptcy and New Bern Landmarks
- Tryon Palace (The costs of maintaining historic integrity might strain finances, leading to potential bankruptcy.)
- New Bern Fireman's Museum (Local attractions with periods of low footfall can face economic challenges.)
- Union Point Park (Vendors or event organizers affected by seasonal fluctuations or unforeseen disruptions.)
- Croatan National Forest (Campgrounds or tour operators dealing with financial strains due to natural calamities or reduced tourist numbers.)
In New Bern, as the tides of the Neuse and Trent Rivers meet, so too can financial challenges converge. It's imperative to have a seasoned legal hand like Allen Murphy to guide through these currents.
Relevant questions from free legal advice...
Is a debt collector harassing you with letters and rude phone calls? Are you facing a foreclosure on your home, or is your vehicle about to be repossessed? Are your obligations mounting, but you can’t even pay your monthly bills? These types of credit and debt difficulties are the last thing you and your loved ones need, but thousands of families in North Carolina – families like yours – face the same credit and debt difficulties. In many cases, the only way to resolve something with a creditor or a collection agency is to take the matter to a North Carolina bankruptcy attorney – an attorney at Gillespie & Murphy.
Who We Are
At Gillespie & Murphy, we are a Christian law firm dedicated to helping individuals and business owners throughout North Carolina find debt relief through bankruptcy. Our mission is to help those struggling with debt obtain peace of mind and a fresh financial start. We provide the complete range of bankruptcy services, and we guide individuals, families, and business owners through the complicated and often-confusing bankruptcy process. Financial distress is both physically and emotionally exhausting. We help you relieve your financial distress so that you can get back on a positive financial footing – and regain a positive outlook on life.
Our motto is simple: We listen, never judge. All of us at some point have experienced financial turmoil one way or another. If you are behind on credit card bills, mortgage payments, auto loans, or any other type of debt, reach out to us. Let our team of skilled North Carolina bankruptcy attorneys help you find the personalized solution that best fits your circumstances. Finding a team of attorneys who have helped others in similar situations is a reassurance that your case is in good hands.
The attorneys at Gillespie & Murphy have over 45 years of combined legal experience. We offer our legal skills and knowledge to guide you through the bankruptcy process so that you can move positively and constructively into the future with a clean financial slate. Whether you are declaring bankruptcy for yourself or for your business, we will answer all of your questions and address all of your concerns. We ensure that your legal paperwork is accurate and complete, so that your bankruptcy petition is not delayed or denied because of a mistake on your end. We also help you rebuild your credit after bankruptcy with sound financial advice and recommendations.
We Handle Personal and Business Bankruptcies
Personal bankruptcies are either “Chapter 7” or “Chapter 13” bankruptcies. If the language of bankruptcy is confusing to you, you’re not alone. Chapter 7 and Chapter 13 both refer to chapters in “Title 11” of the United States Code, the complete federal laws of the United States. The United States Code currently includes 53 titles. Title 11 is known as the U.S. Bankruptcy Code, the source of bankruptcy law in the United States. A Chapter 7 bankruptcy and a Chapter 13 bankruptcy are quite different kinds of procedures, but an attorney at Gillespie & Murphy will help you determine which type of bankruptcy best fits with your circumstances.
A Chapter 7 bankruptcy is mainly for those persons who do not have a regular monthly income or whose income is not sufficient to pay their debts. A Chapter 7 bankruptcy usually discharges most types of consumer and household debts. Only some specific, non-dischargeable debts such as student loans, child support payments, court fines and fees, and certain types of taxes are not covered by a Chapter 7 bankruptcy. Since 2005, the bankruptcy code has required a means test to determine if a bankruptcy candidate meets the basic criteria for a Chapter 7 bankruptcy. An attorney at Gillespie & Murphy can determine if you meet the requirements.
Most high-income individuals will find it difficult to qualify for a Chapter 7 bankruptcy. No means test is required for a Chapter 13 bankruptcy, but you will have to pay off your unsecured debts over three to five years. A Chapter 13 bankruptcy allows someone with a regular monthly income to design a plan to repay all or part of his or her debt. It combines your debts so that you make one monthly payment. The Chapter 13 process helps individuals and families restructure their debts, avoid foreclosures, and manage their spending. An attorney at Gillespie & Murphy can guide you through the Chapter 13 bankruptcy process.
Gillespie & Murphy also helps business owners with Chapter 11 business bankruptcies. When bankruptcy becomes a company’s only realistic option, an attorney at Gillespie & Murphy can help with the restructuring of the company’s debts and obligations. Often, a business bankruptcy means terminating leases, selling off properties, and paying creditors a percentage of their debt over time. At Gillespie & Murphy, we ensure that our Chapter 11 business bankruptcy clients fully understand the bankruptcy process and its requirements.
Meet Our Team
Attorney J. Allen Murphy has lived in Eastern North Carolina all his life, and he has more than 35 years of legal experience. He is a magna cum laude graduate of the North Carolina Central University School of Law, and he is a member of the North Carolina Bar Association and the Christian Legal Society. Attorney Lindsay Murphy Parker is also a graduate of the North Carolina Central University School of Law and a member of the North Carolina Bar Association. Attorney Jonathan Eric Friesen has been practicing law in North Carolina for 18 years. He is a graduate of the University of Nebraska College of Law, and he is also a member of the North Carolina Bar Association.
Backed by our Christian faith and a proven record of success, the legal team at Gillespie & Murphy handles bankruptcy matters for individuals, families, and business owners throughout Eastern North Carolina from our offices in Greenville, Jacksonville, New Bern, and Wilmington. If you are considering bankruptcy for yourself or your business, talk to us first. To learn more about bankruptcy in North Carolina – or to begin the bankruptcy process – contact a North Carolina bankruptcy attorney today by calling Gillespie & Murphy at (252) 636-2225.
- Gillespie & Murphy, P.A.
- 320 Middle Street
- New Bern, North Carolina 28560
- (252) 636-2225
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How does one choose and hire the best lawyer in North Carolina? First of all, you should find out whether the Allen Murphy law office offers the type of legal services related to your case. Determining the appropriate field of law as well as the judicial procedure is the first essential step towards the successful solution of your legal case. If you know that you require a lawyer who is focusing on (Bankruptcy law attorneys & bankruptcy services, Bankruptcy Attorney, Repossessions Lawyer, Debt Defense Lawyer), you should compare the quality, fees and skills of specific public and private attorneys. Reviews of the Allen Murphy law firm, which are to be found here and elsewhere on the Internet, as well as ratings of individual lawyers in terms of fees, their ability to solve a case and win a lawsuit are included to assist you. Here is the complete list of lawyers in North Carolina, including free reviews. If you prefer a personal consultation, please contact the Allen Murphy law firm on telephone: (252) 636-2225 or come in to the office to discuss your case with the attorney at 320 Middle Street, New Bern, NC 28560.Judicial Proceedings & Settlements
It is very important to consider whether you have the likelihood of success in an anticipated judicial proceeding or whether it is better to agree to a settlement with the other party. Most disputes can be resolved by agreement between both parties (the defendant/plaintiff) before the commencement of a lawsuit in New Bern, about which you will be informed by a legal representative of the Allen Murphy firm located in New Bern (North Carolina), based on your previous agreement on a free or paid consultation. Judicial proceeding (also called litigation) is a legal proceeding in a court in North Carolina New Bern and a judicial contest to determine and enforce legal rights. Wikipedia (source): less than 2% of legal cases across the United States end with a trial, 90% of torts usually settle, and around 50% of other civil cases settle. How to find top rated litigation lawyers in North Carolina? You can browse civil or business litigation attorneys in your neighborhood by practice area, lawyer fees (find out how much money you will pay) and geographic location. You can easily get price quote from a number of different lawyers in your area and it only takes a minute.How to contact Allen Murphy, lawyer from North Carolina
Prices of Legal Services & Attorney Fees in New Bern
You would obviously like to know the price for the first legal consultation with the Allen Murphy firm and other similar legal offices, but I am going to disappoint you. Prices vary and each lawyer charges different subsequent fees (usually based on agreement). It is therefore a good idea to use a lawyers fees calculator to calculate at least the approximate costs that you will be charged by a lawyer for legal services. It is recommended to compare different quotes from different law firms in your area before signing a contract with any lawyer from North Carolina New Bern. Request a price quotation from Allen Murphy attorney, including all subsequent fees, on telephone: (252) 636-2225 or on their official website. It is up to you to decide whether the legal services of a specific lawyer are affordable for you. Alternatively, also ask more experienced users and check whether the per-hour rates of a selected lawyer are appropriate to his/her skills and experience. Before you officially hire your new lawyer practicing in North Carolina, you will need to understand how the attorney (licenced member) will be paid, and get a estimate of the total cost of the attorney's services and another related expenses. There is no such thing as a "standard legal fee". Contingency fee is obviously a very good deal when the attorney takes a big risk (uncertain case) but it can be very disadvantageous when little risk is involved.
More details about this law office
- Allen Murphy
- Lindsay Murphy Parker
- Jonathan Eric Friesen
