North Carolina Bankruptcy Lawyers with over 20 years of Expert Debt Knowledge
Seeking legal help with bankruptcy proceedings, outstanding debts, or other financial mediation?
Licensed attorney Joseph M. Bochicchio and his team can help!
Contact us to schedule your 100% free consultation. No obligations, no strings attached.
Let Joseph M. Bochicchio fight for you!
The Law Firm of Joseph M. Bochicchio is a family-owned practice that has been serving North Carolina residents since 2002. For over 20 years, we have provided expert legal representation for those in Mecklenburg County and Cabarrus County who are struggling with bankruptcy, debt burdens, taxes owed, and more.
Our lawyers have the industry experience that sets us apart from other firms: attorney Joseph M. Bochicchio has over a decade of professional and executive experience in the banking industry, and the firm has enrolled agents with the Internal Revenue Service who help us resolve tax matters for our clients.
Once you partner with us, our law firm works to restructure client debt, negotiate bankruptcies, or navigate tax concerns at the state (North Carolina) or federal (IRS) level. No matter your financial hardships, you don’t have to face them alone. Let The Law Firm of Joseph M. Bochicchio fight for you.
Don’t face a complicated financial crisis without help. Schedule a free consultation today.
PRACTICE
AREAS
The attorneys at our law firm have the experience, relationships, and knowledge to offer you solid guidance, advice, and assistance through the whole legal process, whether you choose debt negotiation or bankruptcy.
Debt Experts
Are you tired of the endless bills and harassing collection calls? Our nation is amid an economic downturn similar to the Great Depression. Bankruptcy or debt negotiation may be the most viable option to protect yourself and your family to get back on the path to financial wellness. Let Joseph M. Bochicchio take care of you.
In a Chapter 13 bankruptcy, you’ll devise a plan to pay back your debt based on your regular wages. Creditors will receive these predetermined payments for anywhere from three to five years.
A chapter 13 is one of the best tools used by attorneys to help you save a home from foreclosure or a car from repossession. Saving a home from foreclosure works much like a “mortgage modification” to bring past due payments current, however it operates under a judge’s order and the bankruptcy code — not at the mercy of your mortgage company.
Using a chapter 13 bankruptcy to save a home often can also “erase” accrued interest on the payments in arrears, frequently helping homeowners get back on track with their mortgage sooner than through a mortgage modification done with the lender.
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy is the most common form of bankruptcy in the United States. Bankruptcy protection is all about getting rid of debt you cannot pay, while maximizing the assets that you can keep under state and federal law, and to help you recover from bad credit to set you on your feet again.
Bankruptcy can put an immediate end to lawsuits, levies against your bank account, and garnishment of your wages. It can even get the IRS or state tax collectors “off your back” once and for all.
Chapter 13 Bankruptcy
Delinquent IRS or State Taxes?
Many know that Chapter 7 Bankruptcy and Chapter 13 Bankruptcy can reduce payments on past due taxes… Most don't know that Chapter 7 and Chapter 13 can also DISCHARGE your past-due tax obligations entirely!
Call our offices to schedule your FREE consultation, where we can discuss the financial relief you deserve.
Schedule a call today
Our attorneys offer a 100% free consultation to help you determine which debt relief type is right for you.
There are ways to pay off your debt faster or even reduce them outright. The Law Firm of Joseph M. Bochicchio is ready to help you discover and understand all your options.
Contact us today so we can start fighting for you.
Expert Advice from a Debt Relief Attorney in Charlotte, NC
Many people only make the minimum payment and don’t see much progress in reducing balances. When you’re drowning in debt, it’s easy to feel like there’s no way out.
Our family-owned law firm in Charlotte, North Carolina, enables you to find the ideal solution so you can get out of debt fast while keeping up with your monthly bills. We believe you shouldn’t have to decide between paying your debt and putting food on the table and a roof over your head.
Experienced North Carolina Debt Negotiation And Bankruptcy Lawyers
Are you dealing with a unpaid debts, lawsuits, or judgments? Do you need other options for debt relief? The Law Firm of Joseph M. Bochicchio can offer you many feasible approaches to resolve your debt problems. Dealing with debt matters can be complicated, with many landmines. We will guide and advise you to get you back on the road to financial freedom.
Industry experience in banking and finance
Whether you’re looking for a debt consolidation or a debt negotiation attorney in Charlotte, NC, contact us to speak with an experienced lawyer who will recommend the most appropriate action to reduce your debt.
You’ll work with an expert debt relief lawyer who can negotiate with your creditors or assist you with the paperwork for filing bankruptcy. We aim to provide the best solution based on your situation.
Legal Services For Businesses
If you are having trouble meeting your commercial lease, mortgage payment, vendor debts, or bank payments—our team can help you out. Joseph M. Bochicchio is a former commercial banking Vice President. As a banker and lawyer, he has unique insights into how to negotiate with your banks, vendors, and creditors. Let The Law Firm of Joseph M. Bochicchio fight for you!
You can rely on Joseph M. Bochicchio and his team for assistance with any financial situation — debt, bankruptcy, taxes, and more
CONTACT US:
The Law Firm of Joseph M. Bochicchio
If you are seeking legal representation, call us at 704-543-2294 or complete our form below:
(704) 543-2294
3440 Toringdon Way
Suite 205
Charlotte, NC 28277
145 Union Street South,
Suite 104
Concord, NC 28025
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