Overwhelmed by debt?
You have options.
We can help.
We help North Carolina families stop collection calls, protect their property, and get a real fresh start — no pressure, no judgment, just answers.
Or call us: (336) 856-1234 · Free phone consultation
What are you worried about?
Many good people need help with debt. You are not alone — and you do not have to figure this out by yourself.
I'm worried about foreclosure
Bankruptcy may be able to stop a foreclosure and give you time to save your home.
Learn what may help →My car may be repossessed
Chapter 13 may stop repossession and let you catch up on payments over time.
Learn what may help →I can't keep up with my bills
When minimum payments don't make a dent and the calls won't stop, bankruptcy may let you reset and start over.
Learn what may help →I'm being sued over debt
A bankruptcy filing triggers an automatic stay that stops most collection lawsuits.
Learn what may help →Creditors won't stop calling
Once you file, the automatic stay requires creditors and collectors to stop contacting you.
Learn what may help →I'm not sure what I need
Start with a free phone consultation. We'll help you understand your options — no pressure.
Start here →
Meet the team
Our attorneys have spent their careers helping North Carolina families navigate bankruptcy and debt relief — with practical guidance and no judgment.
Damon Duncan
Damon has focused his career on consumer bankruptcy law and helping North Carolina families find a path forward. He is known for clear explanations and a no-pressure approach.
Board-Certified Consumer Bankruptcy Learn More
Terry Duncan
Terry has extensive experience in consumer bankruptcy and has helped thousands of North Carolina families understand their options over the course of a distinguished career.
30+ Years of Experience Learn More
Anne Salter
Anne brings warmth, precision, and a deep knowledge of North Carolina bankruptcy law to every client she serves. Clients frequently cite her responsiveness and clear guidance.
Compassionate Client Advocate Learn MoreReal people. Real relief.
North Carolina families trust Duncan Law to help them understand their options — without judgment.
“I was worried and stressed beyond words when I first spoke to them. After just the first consultation I felt all that weight rolling off my shoulders. They made it simple and easy to navigate the paperwork and answered all of my questions in a timely manner. These are the ones you want in your corner.”
“If you have to navigate the frightening experience of bankruptcy, this is the team to trust! As a doctor, I know what quality effort looks like, and Damon and his team are tireless in their support of you. They go to great lengths to demystify and explain the complexities. If you were my own family, I would recommend Duncan Law above all others.”
“They gave me my life back, and I could not be more grateful. Every step of the process is explained to you as you go — they really held my hand and calmed my fears from the first day until the last. When you call, someone will talk to you. I would recommend Damon to anyone. Top notch.”
Worried about losing your home, car, or paycheck?
Many people avoid bankruptcy because they are afraid of losing everything. In most North Carolina bankruptcy cases, people keep their home, their car, and their retirement savings.
North Carolina bankruptcy exemptions protect a significant amount of property. A free consultation can help you understand what you may be able to keep before you make any decision.
In most Chapter 7 and Chapter 13 cases, people keep their home, car, retirement accounts, and essential personal property. NC exemptions are designed to let you get a fresh start — not take away everything you own.
- Keep your home if payments are current or caught up through Chapter 13
- Keep your car in most cases
- Keep your retirement accounts — they are usually fully protected
- Keep wages once the automatic stay goes into effect
Chapter 7 vs. Chapter 13 — Which may help you?
Both chapters stop collection calls, lawsuits, garnishments, and most foreclosures. The right choice depends on your income, property, and goals.
| Your Situation | Chapter 7 | Chapter 13 |
|---|---|---|
| Best for | Unsecured debt (credit cards, medical bills) with limited income | Catching up on mortgage or car payments, or income above the means test |
| Timeline | Typically 4–6 months | 3–5 year repayment plan |
| Stop foreclosure? | Temporarily — buys time but does not cure arrears | Yes — can cure mortgage arrears through the plan |
| Stop repossession? | Temporarily — may need to surrender or reaffirm | Yes — can catch up on car payments through the plan |
| Discharge unsecured debt? | Yes — credit cards, medical bills, personal loans | Remaining unsecured debt discharged at plan completion |
| Income requirement | Must pass the means test | Regular income required to fund the plan |
How getting started works
We explain the process clearly so you know what to expect — before you make any decision.
Answer a few quick questions
Tell us a little about your situation so we can point you in the right direction. No commitment required.
Talk with a bankruptcy attorney
A free phone consultation with an experienced NC bankruptcy attorney. We listen without judgment and explain your options in plain English.
Decide if bankruptcy makes sense
There is no pressure. After your consultation, you will have a clear picture of what bankruptcy may and may not do for your situation.
Find an office near you
Winston-Salem
514 S. Stratford Road, #306A
Winston-Salem, NC 27103
Bankruptcy resources for NC families
Plain-English guides, videos, FAQs, and tools to help you understand your options before your free consultation.
Bankruptcy FAQs
Answers to the most common questions NC families ask before filing.
Bankruptcy Videos
Attorney-explained video guides on Chapter 7, Chapter 13, and more.
Bankruptcy Blog
In-depth articles on NC bankruptcy law, debt relief, and financial recovery.
Tools & Guides
Interactive tools and downloadable guides to help you plan next steps.
Start with a free phone consultation.
Answer a few quick questions so we can point you in the right direction. There is no cost, no commitment, and no judgment — just a conversation with an experienced NC bankruptcy attorney.