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5-STAR CLIENT RATING
252.495.0585Call for free consultation

5-STAR CLIENT RATING

78% of bankruptcies were filed due to unexpected loss of income.
You are not alone.

Take back your life
Inner Banks Legal Services is here to help you find peace of mind with
exceptional legal counsel at rates you can afford.
SCHEDULE YOUR FREE CONSULTATION [ninja_form id=2]

Take back your life
Inner Banks Legal Services is here to help you find peace of mind with
exceptional legal counsel at rates you can afford.



Get started on the path to becoming DEBT-FREE.


252.495.0585

Call now for your free consultation!

SCHEDULE
YOUR FREE
CONSULTATION 

Schedule your free consultation and we’ll walk you through the types of
bankruptcy, answer your questions, and discuss alternative options if bankruptcy
is not the right fit.

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BEST IN CLASS
Our 5-star reviews speak for themselves

I would highly recommend Inner Banks Legal, Sarah Beth was very kind,patient and
very understanding.I had peace of mind knowing she had my back. Latrice was very
helpful and prompt with communications. I thank god for this firm, they fight
hard for their clients! Thank you

Marie Faust

Google Reviews

Sarah Beth & Jenn, I thank God that he led me to your law firm! I’m so grateful
for you’re professionalism, dedication and compassion.  You’ve helped me thru a
very difficult time in my life and have always treated me like family. Sarah
Beth is the greatest attorney that I’ve ever known and I pray that she’ll always
prosper in all that she does. They went above and beyond for me! I’m blessed to
have found this firm!

Paula B.

Yelp Reviews

I was impressed with the care that I received with something that was so
stressful as filing bankruptcy. Sarah Beth and her staff made the experience
less scary than anticipated and I really felt like she had my back and best
interest every step of the way. Everything was quick, easy, and professional.

Keesha Mattox

Google Reviews

Which one is right for you?

CHAPTER 7
Liquidation Bankruptcy

 * ALSO KNOWN AS LIQUIDATION BANKRUPTCY, NON-EXEMPT ASSETS ARE SOLD TO PAY
   DEBTS. HOWEVER, NORTH CAROLINA HAS GENEROUS EXEMPTIONS, WHICH MEANS YOU MAY
   BE ABLE TO RETAIN MANY, IF NOT ALL, OF YOUR ASSETS IF YOU START THE PROCESS
   EARLY ENOUGH.

 * CHAPTER 7 BANKRUPTCY CAN PROVIDE RELIEF, OR DISCHARGE, FOR CREDIT CARDS,
   MEDICAL BILLS, DEFICIENCY BALANCES, UNSECURED LOANS, STORE ACCOUNTS, SOME TAX
   DEBTS, AND MORE.

 * CHAPTER 7 CASES ARE OFTEN COMPLETED IN 90 DAYS, AND ALLOW FOR FASTER
   REBUILDING OF CREDIT AFTERWARD.

CHAPTER 13
Reorganization Bankruptcy

 * ALSO KNOWN AS REORGANIZATION BANKRUPTCY, CHAPTER 13 CASES ALLOW AN INDIVIDUAL
   TO PROPOSE A PLAN TO CATCH UP SECURED DEBTS, REPAY TAXES, AND PAY A FRACTION
   OF THE AMOUNT OWED TO UNSECURED DEBTS. THE CASE USUALLY LASTS BETWEEN 3 AND 5
   YEARS.

 * CHAPTER 13 BANKRUPTCY CAN PROTECT INDIVIDUALS WHO ARE FACING VEHICLE
   REPOSSESSION AND MORTGAGE FORECLOSURE.

 * CHAPTER 13 PLANS CAN CONSOLIDATE YOUR DEBTS INTO ONE MONTHLY PAYMENT, WHICH
   THE BANKRUPTCY TRUSTEE ACCEPTS AND DISBURSES TO YOUR DEBTS ACCORDING TO THE
   PLAN YOU PROPOSE; SIMPLIFYING YOUR MONTHLY BILL PAYMENTS.

CHAPTER 7
Liquidation Bankruptcy

Also known as liquidation bankruptcy, non-exempt assets are sold to pay debts.
However, North Carolina has generous exemptions, which means you may be able to
retain many, if not all, of your assets if you start the process early enough.

Chapter 7 bankruptcy can provide relief, or discharge, for credit cards, medical
bills, deficiency balances, unsecured loans, store accounts, some tax debts, and
more.

Chapter 7 cases are often completed in 90 days, and allow for faster rebuilding
of credit afterward.

CHAPTER 13
Reorganization Bankruptcy

Also known as reorganization bankruptcy, Chapter 13 cases allow an individual to
propose a plan to catch up secured debts, repay taxes, and pay a fraction of 
the amount owed to unsecured debts. The case usually lasts between 3 and 5
years.

Chapter 13 bankruptcy can protect individuals who are facing vehicle
repossession and mortgage foreclosure.

Chapter 13 plans can consolidate your debts into one monthly payment, which the
bankruptcy trustee accepts and disburses to your debts according to the plan you
propose; simplifying your monthly bill payments.

130A E. 2nd Street
Washington, NC 27889



www.ibxlegal.org

Call for your
FREE
consultation
today!

252.495.0585

130A E. 2nd Street
Washington, NC 27889
www.ibxlegal.org

Call for your
FREE
consultation
today!
252.495.0585

 Inner Banks Legal Services, Inc. is a 501(c)(3) non-profit charitable
organization. Inner Banks Legal Services, Inc. complies with all applicable
federal civil rights laws and does not discriminate on the basis of race, color,
national origin, age, disability, or sex. — Privacy Policy
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