J. ALLEN MURPHY Attorney Overview
Gillespie & Murphy, P.A. practices in the fields of bankruptcy law and is based in Greenville, North Carolina. The staff of this law firm can be reached at this telephone number: 2526362225 or you may visit them directly at the address given below. For the most current and accurate information, it is recommended to visit the official website of the aforementioned legal firm. If you're uncertain about how Gillespie & Murphy, P.A. can support your needs in bankruptcy law, we invite you to leverage our complimentary legal consultation. Submit your pressing questions and let our expertise guide you regarding the topic that troubles you.Solo practitioner?
Based on our current information, the Gillespie & Murphy, P.A. is primarily operated by its owner. However, it's worth noting that situations and team compositions can change. Many high-caliber attorneys in the legal industry choose to work independently or with just a few support staff. While we don't make endorsements, client reviews and peer evaluations can provide valuable insights into the services offered by J. ALLEN MURPHY.Relevant questions from free legal advice...
Why Can't I Clear My Student Loans through Bankruptcy in Los Angeles Even When Facing Extreme Financial Hardship?
I've been running a small cafe in Bakersfield. But with the recent economic downturn, and ya know, just my luck, it's been real hard to keep it afloat.
Financial Rebirth: Navigating Bankruptcy with Gillespie & Murphy, P.A.
In the ever-changing landscape of Greenville, North Carolina, Gillespie & Murphy, P.A. has established itself as a dedicated bankruptcy law firm.
Key Bankruptcy Services in Greenville, North Carolina
| Types of Bankruptcy | Average Debt Discharged | Usual Processing Time |
|---|---|---|
| Chapter 7 | $20,000 - $200,000 | 4-6 months |
| Chapter 11 | Variable | 6 months - 2 years |
| Chapter 12 | Variable | 6-18 months |
| Chapter 13 | $15,000 - $350,000 | 3-5 years |
| Foreclosure Defense | House Value Dependent | 3-12 months |
How Gillespie & Murphy, P.A. Can Pave Your Financial Path
- Case Assessment: Evaluating the specifics of your financial situation.
- Bankruptcy Filing: Preparing and submitting essential legal documentation.
- Asset Management: Assuring you retain crucial assets amidst the process.
- Debt Negotiation: Collaborating with creditors to reduce your debt.
- Post-Bankruptcy Counseling: Helping you regain firm financial footing.
Estimated Costs for Bankruptcy Services in Greenville
| Service Type | Estimated Rates |
|---|---|
| Initial Consultation | Free - $150 |
| Chapter 7 Filing | $1,000 - $2,500 |
| Chapter 13 Filing | $2,500 - $4,500 |
| Foreclosure Defense | $1,500 - $3,500 |
Unique Financial Situations Addressed
- Small Business Bankruptcy: Assisting local entrepreneurs in navigating debts.
- Medical Bankruptcy: Focusing on individuals overwhelmed by medical bills.
- Student Loan Negotiations: Addressing the escalating student debt crisis in Greenville.
Preparing for Your Initial Meeting with Gillespie & Murphy, P.A.
- Document Compilation: Assemble all financial records, from bank statements to outstanding bills.
- Outline Financial Goals: Be prepared to discuss future aspirations and immediate financial relief.
- Ask the Right Questions: Be ready to pose a pertinent legal query to ensure the firm aligns with your needs.
Gillespie & Murphy, P.A. - An Objective Overview
Gillespie & Murphy, P.A. offers specialized services in bankruptcy law for Greenville residents. They engage in a variety of bankruptcy cases, from Chapter 7 liquidations to complex Chapter 13 repayment plans. While every situation differs, this firm provides essential guidance for those seeking financial solace. When in need, considering various legal options is beneficial. Their breadth of service caters to a diverse clientele, reflecting the myriad financial challenges faced by many.
Bankruptcy Law in Context: Greenville Landmarks
- East Carolina University (ECU): With rising tuition fees, some students might face considerable debts and seek out bankruptcy protection.
- Vidant Medical Center: A potential hotspot for medical bankruptcies due to unforeseen medical emergencies.
- Uptown Greenville: A bustling area where local businesses might sometimes struggle and contemplate Chapter 11.
- Greenville Mall: Consumer debts can accumulate from frequent shopping, leading to possible financial distress.
The city's landmarks provide a backdrop to the array of financial challenges that Gillespie & Murphy, P.A. addresses daily.
Attorney's activities
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.
- 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 Gillespie & Murphy, P.A. 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 Attorney, Repossessions Lawyer, Debt Defense Lawyer), you should compare the quality, fees and skills of specific public and private attorneys. Reviews of the Gillespie & Murphy, P.A. 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 Gillespie & Murphy, P.A. law firm on telephone: 2526362225 or come in to the office to discuss your case with the attorney at 101 W. 14th Street, Suite 101, Greenville, NC.Would you like to find an experienced bankruptcy lawyer near me (you) quickly and for a good price? Generally, bankruptcy law can provide a timeline (arrangement) for the repayment of non-dischargeable personal (corporate) debts. The ability to repay secured debts is valid for both Individuals as well as organizations (governmental and private). Bankruptcy comes in five varieties where each offering different options "settling" with debts.
- Chapter 7: Cancelation of unsecured debts (credit cards and personal loans). Bankruptcy law in the United States has changed dramatically in 2005. Liquidation of personal debts under a Chapter 7 is the most common form of debt relief. Most of chapter 7 cases are classified as "no asset".
- Chapter 9: Reorganization of municipalities and related local entities sheet (not for Individuals and Corporations). A chapter 9 of bankruptcy law in U.S is very special. It is a form of debt reorganization (not disposal). Remember, it is only avaliable to Municipalities
- Chapter 11: This chapter Provides a lot of options to reorganize debt. There are options such as "debt cancellation", repaying some debts for Individuals, etc ...
- Chapter 12: Restructuring of debts for Family Farmers is done according to this chapter.
- Chapter 13: repayment of some debts over a period of three to five years + reduction on secured debts and their elimination.
Is it better to file for a bankruptcy under Chapter 11, Chapter 12 or Chapter 13? It depends on your case. Your first step should be finding and hiring the best and most affordable bankruptcy attorney near you. Bankruptcy proceedings in the United States are (should be) supervised by District and Bankruptcy Courts governed by the bankruptcy rules (promulgated by the Supreme Court - www.supremecourt.gov)
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 Greenville, about which you will be informed by a legal representative of the Gillespie & Murphy, P.A. firm located in Greenville (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 Greenville 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 Gillespie & Murphy, P.A., lawyer from North Carolina
Prices of Legal Services & Attorney Fees in Greenville
You would obviously like to know the price for the first legal consultation with the Gillespie & Murphy, P.A. 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 Greenville. Request a price quotation from Gillespie & Murphy, P.A. attorney, including all subsequent fees, on telephone: 2526362225 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.
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- J. ALLEN MURPHY
