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Chapter 13 Bankruptcy Lawyer in Charlotte, NC

Helping People of Mecklenburg County & North Carolina File for Chapter 13 Bankruptcy.

Many people filing for bankruptcy are worried that they won’t qualify to eliminate all of their debts. The not-so-good news is that not everyone qualifies for Chapter 7 bankruptcy. The good news is that Chapter 13 bankruptcy is available for nearly everyone and is often a better option for greatly reducing or eliminating your debt. The best news is that Chapter 13 allows you to restructure all of your debt into an affordable multiyear repayment plan that can save you thousands of dollars in loan principal and interest payments.

Under Chapter 13 of the U.S. Bankruptcy Code, you agree to lump all your debt payments into a restructured plan that will be supervised by a bankruptcy trustee. I will negotiate the terms of the amount of debt to be included in the restructure, which may be reduced from the full amount owed on the credit card or consumer loan. In most cases, your repayment period is between three and five years. At the successful conclusion of the plan, your remaining debt is wiped clean. In most cases, the total monthly payment will be significantly less than the combination of monthly payments the individual or family may be paying to various creditors.

Free Consultation to Learn More about Getting the Fresh Start You Need

If you need a fresh start from debt, turn to Blossom Law PLLC for help. I am Charlotte chapter 13 bankruptcy lawyer Rashad Blossom. I come from the same hardworking middle-class family background as most of my clients. I understand the frustrations of paying bills month after month, but never getting ahead. I opened my law firm in order to give people an even break they need and deserve against banks and corporations.

Call (704) 271-9078 to arrange a free consultation with an experienced Charlotte Chapter 13 bankruptcy attorney today. From offices in Charlotte, I represent individuals and families in communities throughout Mecklenburg County and surrounding counties. Se habla español.

The Benefits of Chapter 13 vs. Chapter 7

In most cases, Chapter 7 bankruptcy restricts the type of debt you can eliminate or restructure. For example, a Chapter 7 bankruptcy does not allow you the right to catch up on your mortgage payments or restructure your car payments or student loans.

Under Chapter 13, all types of debts and arrears may be included in the restructured debt repayment plan. This can include:

  • Credit card debt
  • Mortgage
  • Car payment(s)
  • Student loans
  • Taxes
  • Child support and spousal maintenance arrears
  • Medical bills

You will avoid home foreclosure and stop harassing collection calls and legal actions such as wage garnishment, liens, and levies in process against you while reducing your total monthly payment. In addition, creditors often look more kindly on a Chapter 13 bankruptcy on your record than they will a Chapter 7. After all, you are making a good faith effort to repay the amount you borrowed.

What happens after Chapter 13 bankruptcy?

Chapter 13 bankruptcy stays on your credit report for up to seven years from the filing date. Most Chapter 13 bankruptcies last between three to five years before completing, which leaves a remaining two to four years where it will still appear on your credit report. You will be able to apply for new loans once you complete your bankruptcy, or during your bankruptcy with court permission. The effects of bankruptcy will diminish over time, qualifying you for better loans.

The most effective tactics to rebuild your credit after bankruptcy would include being cautious when getting new credit cards and keeping your accounts current, changing your spending habits, and checking your credit report for mistakes. Errors on your report can hinder your ability to rebuild your credit, so a careful review of your report and contacting the creditor and reporting agencies to get any mistakes corrected will help the rebuilding process. You will also get many new credit card offers, so be aware of high-interest rates and annual fees. Consider adjusting your spending habits to align with your goals, it will help avoid any bankruptcies in the future.

Need a Debt Management Plan? Ask Me About Chapter 13 Bankruptcy.

For bankruptcy services, I offer reasonable fees based on fair retainer and honest billing policies. I am available from 8:30 a.m. to 5 p.m. on most weekdays. Weekend and evening appointments are available if you make special arrangements.

Call me at (704) 271-9078 or use my convenient contact form to discuss your legal needs and request I return your call. Consultations via Skype and FaceTime are available. Se habla español.

Blossom Law PLLC is a debt relief agency. The firm helps people file for bankruptcy relief under the U.S. Bankruptcy Code.

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Hear Our Clients' Stories

  • “He answered all my with questions and eased my concerns. I never had to leave him messages and wait for a long time to hear from him. He was timely and genuinely concerned.”


  • “The firm remained responsive as issues arose and always returned calls promptly. I sincerely recommend the firm for anyone facing this type of decision.”


  • “Thank you Blossom Law”

    Ms. J

  • “Blossom Law 5?????!!!!!”


  • “My on boarding experience was excellent resulting in a very comprehensive review.”


  • “Empathic and professional”


  • “He took care of everything, and I now have no more tax debt. He was the best to deal with!! Thank you, Mr. Blossom!!”


  • “He responds to emails in a timely manner (day or night) and his fees are reasonable. He sends me any questions or communications from the Trustee or court as soon as he receives it. I really appreciate someone who works with you. ”


  • “Rashad was very thorough in handling my bankruptcy. He was very informative in handling my case.”


  • “Great Attorney”

    David H

  • “He worked with me every step of the way and continued to check in on me throughout the process. He made the whole thing painless and easy.”