Charlotte, NC Bankruptcy Lawyer and Debt Settlement Legal Services

Joe Bochicchio is a Charlotte, North Carolina bankruptcy attorney and debt settlement lawyer working since 2002 to help North Carolinians recover from financial hardship.  Joe is also an enrolled agent with the Internal Revenue Service, and resolves tax matters for his clients.

We serve in the following areas:  Debt Settlement, Debt Management, Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Chapter 11 Bankruptcy, IRS and North Carolina Tax Debts, offers in compromise and other tax workouts.

 Bankruptcy and Debt Settlement are not dishonorable actions. Many people fear there is a stigma attached to bankruptcy and debt settlement based on a false assumption that careless, irresponsible spending results in financial hardship. This fear could not be further from the truth.

The truth is that America is in the midst of an economic downturn that can only share categorical membership with the Great Depression.

The truth is that North Carolina has one of the highest unemployment rates in the nation.

The truth is that Bankruptcy or Debt Settlement may be the most viable option to protect yourself, your family and get back on the path to financial wellness.

Bad things happen to good people in hard times like these.

Stop the Stress Today!

Tired of endless bills and harassing collection calls?

Relief is closer than you could imagine. The Charlotte based law firm of Joseph M. Bochicchio, PLLC, helps North Carolinians in financial crisis with legitimate, legal aid to regain control of their lives. Stop wasting time- call 704.543-2294 to start your journey towards financial wellness.

With 20 years of experience in commercial and retail banking, as a  Charlotte bankruptcy attorney, I apply my knowledge and expertise to assist individuals  in identifying the best debt settlement or bankruptcy plan. My law firm works to restructure and modify existing debt to more reasonable terms. Whether we employ a strategy of debt settlement or bankruptcy my firm has the experience, relationships, and knowledge to provide you with solid advice, guidance, and assistance. Don’t face a complicated financial crisis alone.uptcy,

“This is a tough economy- many people are trapped in a vicious cycle of debt, harassed by collections agencies and preyed upon by fraudulent “credit service” providers. There is no shame in seeking legal assistance- most likely, it will be the best decision you make towards regaining financial stability.”

Joseph M. Bochicchio, JD,MBA, NC Licensed Attorney

Legal Services for Individuals

Layoffs and salary reductions have forced many individuals in financial crisis situations where the current monthly income can no longer satisfy obligations such as mortgage payments, utilities, car payments and daily living expenses. As a result, credit card balances skyrocket as individuals are forced to overuse their credit cards in an attempt to stay afloat. Late charges and penalty fees rack up, essentially nullifying any positive effects of monies paid.

As an attorney who routinely negotiates with creditors I am keenly aware of what kind of deals a lender or creditor will give a client. Understanding the laws, the banking regulations, credit card regulations, and the mortgage loan process is essential in today’s complex financial world. We will help you look at your personal financial information, assets, liabilities, your monthly budget, and existing terms of your loans or other obligations and advise you of the best path to take. We will then make a well-educated determination of what strategy and tactics will work best to get you on the road to financial recovery and move into action toward settling your debts or proceeding with Chapter 11 or Chapter 7 bankruptcy based on your situation and the best outcome for your situation.

Legal Services for Business and Professionals

The Law Firm of Joseph M. Bochicchio also represents business owners and professionals in need of business bankruptcy services, vendor and creditor debt settlement. The Charlotte economy has been exponentially impacted due to the concentration of banking and construction in the region. As a result, many business owners and professionals are facing similar financial hardships, in many instances through no fault of their own. We are here to help.

Contact Us Today for Your Free Consultation

The sooner you address your potential bankruptcy or debt settlement the better your chances of the most favorable outcome for you. Don’t wait. Call 704.543-2294 today to start your journey towards financial wellness.

The Law Firm of Joseph M. Bochicchio is licensed by the North Carolina Bar Association, and admitted to practice before North Carolina State courts as well as the Bankruptcy Courts of the Western and Middle Districts of North Carolina which includes the following areas:

Asheville Division – Avery, Buncombe, Haywood, Henderson, Madison, Mitchell, Transylvania and Yancey Counties

Bryson City Division – Cherokee, Clay, Graham, Jackson, Macon and Swain Counties

Charlotte Division – Anson, Gaston, Mecklenburg and Union Counties

Shelby Division – Burke, Cleveland, Lincoln, McDowell, Polk and Rutherford Counties

Wilkesboro Division – Alexander, Alleghany, Ashe, Caldwell, Catawba, Iredell, Watauga and Wilkes Counties

other counties in the middle district, and other counties served include Forsyth, Guilford, and Wake.

For more information on the benefits and process follow this link: Why Use a Lawyer? or Legal and Finance Terms and Definitions.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.