The Short Answer
At Duncan Law, your initial bankruptcy consultation is completely free — no obligation, no upfront cost just to get answers. We also offer flexible payment plans so you don't have to come up with thousands of dollars all at once before we start working on your case. By law, attorney's fees must be paid in full before your case is filed, but we'll begin working with you before that point, which can help address collection calls and other financial pressures. If you're facing financial hardship in North Carolina, cost shouldn't be the reason you can't get help.
Many people facing financially challenging times face a catch-22 when it comes to filing for bankruptcy. Someone looking to file for bankruptcy usually has more debt than money, so liquid cash is at a premium.
Bankruptcy prices in North Carolina and across the nation can range anywhere between $2,000 and $6,000 (for consumer bankruptcy cases). Many attorneys require that their clients pay in one lump sum before any work is done on their bankruptcy. That means too often, someone interested in filing for bankruptcy has to pay the full amount before an attorney will even sit down with them.
At Duncan Law, we are different. At Duncan Law, we offer a free consultation and, more importantly, a payment plan.
Free Consultation – It is free when you set up an initial bankruptcy consultation with Duncan Law. No strings attached. Our top priority is ensuring our clients are happy and only file for bankruptcy if needed. We know that if we treat those who come in to see us the way we would want to be treated, they will refer others to us, even if together we decide bankruptcy isn’t the best route for them. At your free initial consultation, you will get quality information and guidance from one of our attorneys that will help you make a decision that best fits your situation. Go ahead, set up your free consultation by contacting Duncan Law today.
Easy Payment Plan – We are confident that at Duncan Law, we have competitive attorney’s fees that offer great value and service. We also allow YOU to set up a payment plan that works on your schedule. Whether it is two lump sums or several payments over a few months, we work with you to ensure that you can get a fresh financial start. However, by law, we must have all the attorney’s fees paid in full before filing for bankruptcy. Despite this, we will work with you on your bankruptcy before the full fees are paid. This can help with harassing phone calls that you may be receiving. Contact us to learn more about our payment plan and how we can help you get a new start in these challenging times!
Key Takeaways
- Duncan Law offers a free initial consultation with no strings attached — you'll get real guidance from an attorney, not a sales pitch.
- Attorney's fees for consumer bankruptcy in North Carolina typically range from $2,000 to $6,000, and many firms require full payment upfront before doing any work.
- We allow you to set up a payment plan on your schedule, whether that's two lump sums or several smaller payments spread over months.
- Federal law requires that all attorney's fees be paid in full before your bankruptcy case is actually filed with the court.
- We begin working on your case before fees are fully paid, which can help you respond to creditor pressure sooner.
- Even if bankruptcy turns out not to be the right option for you, the free consultation will give you the information you need to make the best decision for your situation.
Attorney Insight
The mistake I see most often is people waiting months — sometimes years — to call because they assume they can't afford a bankruptcy attorney. By the time they do come in, a foreclosure is already scheduled or a lawsuit has been filed, and their options are far more limited than they would have been. The irony is that the free consultation costs nothing, and our payment plans are specifically designed for people who don't have a lump sum sitting around — which is most people who need bankruptcy help. Getting that first conversation out of the way early almost always opens up more paths forward.
