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Contact the Law Offices of James Scott Farrin 1-866-900-7078

Should You File Chapter 7 or Chapter 13? Which One is Best?

This is a question I often hear, and my answer is always the same: It depends on which one will provide you with the best overall results for your situation!

Decisions_07312014Sometimes, when I meet with potential clients, they want to file a bankruptcy right away. Though that's not a problem, filing for bankruptcy is a big decision!

There are significant differences between Chapter 7 and Chapter 13 that can have long term affects after the case is over, so I always tell my clients to take a deep breath and look at why you want to file right away. Is it because something is about to happen, like your house is about to be foreclosed or the IRS is about to garnish your wages? Or, is it because you just made up your mind you want to do something and you want that "something" to start right away?

It's important to sit down with an attorney who can explain what the key differences are between Chapter 7 and Chapter 13 bankruptcy and how each one can best meet your needs and goals. You can then work with the attorney to determine what the most realistic option is for you.

Here are some of the main differences between Chapter 7 and Chapter 13 bankruptcy:

Chapter 7: Shorter process, lower attorney fees, and no monthly payments to a trustee

My general feeling is that if you can qualify for a Chapter 7, then you should file a Chapter 7. Why? It's a shorter process that lasts only about 4 months from the time you file until you get your discharge (that time at which your debts are cleared). A Chapter 13 filing can require 3 to 5 years of monthly payments to a trustee before you are entitled to a discharge.

A Chapter 7 also costs, on average, half the attorney fees of a Chapter 13. You may pay less in up-front attorney fees and costs before you file a Chapter 13 bankruptcy case, but you are paying, in many cases, double the attorney fees over the life of the case.

You have to pay your attorney fees when you file for Chapter 7 bankruptcy, which can make it difficult to file for some. However, the reason you pay for a Chapter 7 before you file and you can pay for a Chapter 13 after you file is this: A Chapter 7 is a straightforward liquidation with no payment plan, whereas a Chapter 13 requires a payment plan, which allows you to include payments for attorney fees in the plan.

Many of my clients can wait and save up the funds to file a Chapter 7, and in the long run, they often pay a lot less and are out of the bankruptcy process much sooner. As a result, they can rebuild their lives more quickly.

Chapter 13: Plan to bring mortgage payments current, modify a car loan, and pay-out 'priority' debts

A Chapter 13 bankruptcy filing results in a debt-repayment plan. Therefore, you are "in bankruptcy" the length of that payment plan, which is usually 3 to 5 years. Because there is a payment plan, you may be able to do things like:

  • Bring your mortgage loan current over a period of up to 60 months
  • Stretch out, reduce the interest or, in some cases, reduce the overall amount owed on a car loan
  • Stretch out priority tax payments and child support or alimony arrears over the course of your payment plan
  • "Strip" off a second mortgage loan (by treating it as a general unsecured debt)

 

A Chapter 13 bankruptcy does not modify your mortgage loan. You will be making your regular monthly payments, plus the amount that is necessary to bring your mortgage current over the length of your plan (plus the amount needed to pay attorney fees, the trustee commission, and other payments required under the plan).

In some cases, if you can show there is not one cent of value in your home above the amount owed on a first mortgage, you can "strip" off a second mortgage and treat it the same way other general unsecured debts are treated in your case. Of course, you have to complete your entire repayment plan to get this benefit.

A Chapter 13 bankruptcy is a good option for people who are trying to save their home and who can afford the required monthly bankruptcy plan payments, deal with priority tax debts and other priority debts, and deal with a car loan that is otherwise too expensive due to high interest rates. Sometimes a client will file a Chapter 13 just for the benefit of reducing interest and stretching out a car loan - adjusting their monthly cash-flow to better handle their other ongoing expenses.

North Carolina Bankruptcy Lawyers

If you are in over your head in debt and are looking for a way out, the Law Offices of James Scott Farrin may be able to help. Call 1-800-220-7321 to set up a free and confidential consultation with a North Carolina Board Certified Specialist in Business and Consumer Bankruptcy Law.

On Bankruptcy and “Doing the Right Thing”

Direction_07312014I have consulted with hundreds of clients over the years who are seeking debt relief. I hear a lot of tales of desperation: People who have gotten in over their heads in debt. People who have tried to pay what they owe but who just can't make any headway, maybe because they've lost their jobs, or maybe because they've gotten sick or went through a divorce.

When I talk to these people, there are two things I hear time and time again: "I tried to do the right thing" and "I never thought I would be here."

Doing the right thing...

By "do the right thing" my clients mean that they have been trying to pay their bills but they just haven't been able to catch up.

Many of my clients have talked to their creditors - or in more recent years, the collection agents that call constantly - and have tried to work out payments they can afford. But these offers of payment are often rejected.

I don't blame the credit card companies for some of these rejections. Sometimes, the amounts are too low and would not cover the continued expense of managing the account. It's often better financially for the company to charge off the debt or file a lawsuit.

But many times, these offers made to the creditors really are the best that many of my clients can afford. They are trying to "do the right thing" by offering to pay what they can.

Times are tough, now more than ever for some people. When these attempts to pay what they can do not work, and when they find themselves continuing to struggle to get by while being hounded by collection calls, many just want to give up.

Some do. But others realize that they need to do something about it. So they do: They call a bankruptcy attorney.

I never thought I would be here...

When I first meet with clients, they often tell me, "I never thought I would be here." What they mean, of course, is that they never thought they would be sitting with me, a bankrup
tcy attorney, looking at whether bankruptcy is a good option to deal with their debts. Most of these clients never thought they would find themselves in a position where they could not handle their debts.

I joke with my clients and tell them, "People want to come and see me about as much as they want to see the dentist." The truth is they probably want to see me even less than they want to see the dentist.

Sadly, there have been many times that I have met with people who have burned through all of their retirement funds trying to pay back their credit cards or other debts. Had they filed for bankruptcy, many of these people would have been able to wipe out those debts and protect their retirement in the process.

Many more clients have taken similar steps by draining their savings or selling their assets to pay back debts in their efforts to "do the right thing," and I think to myself, "I could have saved them money, time, and stress if only they had come to me sooner." However, we work together to focus on what we can do now and for the future.

Even though many of my clients never thought they would be meeting with a bankruptcy lawyer, overwhelmingly, many tell me that they feel such a sense of relief just knowing that they have taken that first step in handling their debts. Many have told me that they feel a huge weight has been lifted.

One of the most rewarding aspects of my job is hearing my clients tell me about the relief they feel when their case is done and they can move forward without those heavy financial burdens they were struggling with when we first met.

If you are struggling with debts, call the Law Offices of James Scott Farrin at 1-866-900-7078 to set up a free consultation and find out if bankruptcy might be the debt solution you need.

Employees Paying for Workers’ Compensation Loophole, Newspaper Reports

Law3_07312014The cost of workers' compensation insurance can be very costly for some businesses. According to a new report from the News & Observer, some businesses are finding ways to get around paying these premiums by using a loophole in which they declare their employees to be "contractors" - a move that is costing some injured workers the benefits they are supposed to receive by law.

In North Carolina, businesses with three or more employees are required by law to buy workers' compensation insurance. If they don't want to purchase insurance, they can show they have the funds to cover liability for any potential workplace injuries.

The newspaper reports that some employers are using a loophole that allows them to declare themselves sole proprietors and their employees contractors. They then purchase what is known as a "ghost policy," which provides coverage for one person as a failsafe in the event that the "sole proprietorship" hires an employee within the year.

According to the newspaper, the ghost policies cost about $1,000 a year, compared to tens of thousands of dollars a year for workers' compensation insurance premiums for some businesses.

One worker featured in the investigative article became injured in a wreck when another employee fell asleep at the wheel. The man became paralyzed from the neck down, and doctors expect his medical care to cost as much as $8 million. His employer had purchased a ghost policy, which didn't provide benefits for the man.

His case is currently being litigated to determine who is liable for paying for his injuries.

The News & Observer reported in April that at least 30,000 businesses in North Carolina have not purchased workers' compensation insurance. It is unclear how many businesses have incorrectly classified employees as contractors in order to purchase ghost policies.

By labeling employees "contractors," employers also avoid having to pay Social Security, unemployment, and insurance for these workers.

The North Carolina Rate Bureau has reported that there are about 16,000 ghost policies for high-risk employers who could not buy workers' compensation insurance, according to the N&O.

North Carolina Workers' Compensation Lawyers

If you have been injured on the job, the North Carolina workers' compensation lawyers at the Law Offices of James Scott Farrin may be able to help you. Call 1-866-900-7078 right now for a free evaluation of your case!

Discussions about Rising Social Security Disability Claims Miss the Mark

Reports about the rising number of social security disability claims in June sparked debate about the role of the program and the economic health of the country, leading one congressman to claim that Americans had developed a "slave" mentality in their dependence on government support.

Injury8_07312014In June, approximately 80,000 jobs were created. At the same time, 85,000 people went on Social Security disability.

Rep. Allen West cited these numbers as evidence that the country is becoming increasingly dependent on social programs, and he said that programs such as Social Security disability insurance are "a form of modern, 21st-century slavery."

However, a report from the nonpartisan Congressional Budget Office released last month shows that the largest increase in Social Security disability claims came from the Baby Boomer population - who are aging and would have boosted enrollment even if no other factors had changed.

While the number of workers age 45 and older claiming Social Security disability rose from 67 percent to 76 percent from 1996 to 2009, the number of workers between the ages of 25 and 44 claiming benefits fell from 31 percent to 22 percent.

Other factors cited in the report include an increase in women in the workforce since the 1970s and changes to the law in the 1980s that expanded the allowable conditions to claims Social Security disability insurance.

Linking the number of disability claims to unemployment or the state of the economy in general is inappropriate. Workers can only qualify for the benefits if they show that they cannot work because of a medical condition that will last at least a year. The criteria to qualify for benefits is totally independent of the performance of the economy or the job market.

Social Security disability is an important program that provides needed benefits for many Americans, and distorting the conversation like this only threatens the future of this program by undermining support for it.

North Carolina Social Security Disability Lawyers

If you have been denied Social Security disability benefits that you think you are qualified to receive, contact the Law Offices of James Scott Farrin at 1-866-900-7078 to find out if one of our Social Security disability lawyers may be able to help you. One of our representatives is ready to offer you a free and confidential evaluation of your case.

10 Ways to Stay Safe on the Road

 Many accidents can be avoided if all drivers practice safe driving tips on the road. While you can't control what other drivers are doing, you can increase your safety by being more mindful of your own behaviors.

Here are 10 ways that you can stay safe on the road so you can reduce your risks of being involved in an automobile accident:

Wear Your Seat Belt

Even if you're only driving 10 minutes to the store around the corner, put on your seat belt. According to the Centers for Disease Control and Prevention, seat belts can reduce serious crash-related injuries and deaths by about 50 percent. Air bags are not an adequate substitute for seat belts.

Speedometer2_07212014Follow the Speed Limit

Don't be tempted to put the pedal to the metal when you're in a rush. Speeding greatly increases your risk of an accident - either with another car or as a result of losing control of your vehicle. Stay within the posted speed limit and make sure you get to your destination safely.

Follow Traffic Rules

Driving rules have been established for a reason: They help keep you safe. Make sure you practice safe driving rules, including maintaining a proper following distance, stopping at all posted signs and lights, ceding the right-of-way, and more.

Text&Drive3_07032014Don't Talk on Your Phone or Text

You may think that you can handle taking a call while driving, but doing so greatly increases your risks of getting into an accident. Texting while driving is even more dangerous as it takes your eyes off the road and your hand off the wheel. Turn off your phone and wait to return calls and texts until you are safely parked.

Don't Put on Makeup While Driving

Many of us try to multi-task when we're in a rush. It's tempting to grab your makeup and try to put it on while you're on the way to work. However, putting on makeup while driving is dangerous as it greatly increases your risks of getting into an accident.

Don't Eat While Driving

Fast food restaurants seem to have been designed to encourage eating on-the-go. However, if you need to hit a drive through on the way home or the way to work, make sure you don't eat your meal until you reach your destination. Eating while driving is another form of distracted driving, and it can increase your risk of getting into an accident.

Map Your Route Ahead of Time

Trying to fiddle with a map or even a GPS device can distract your attention while driving and take your hand off the wheel, increasing your risk of an accident. Plan your route ahead of time by marking it clearly on a map or loading it up on a GPS before you leave.

Keep Your Car Well-Maintained

Engine problems, tire blowouts, and other malfunctions can cause potentially deadly accidents - especially if they happen at high speeds on the highway. Make sure your car is properly maintained by regularly checking the tires, belts, plugs, and fluids.

Make Sure You Are Well-Rested

Driving while you are sleep-impaired is almost as dangerous as driving while you are drunk. It reduces your response time and makes it harder for you to navigate safely on the road. Make sure you are well-rested each time you get behind the wheel, no matter how short the trip.

DrinkingandDriving_07222014Don't Drive While Impaired

Finally, it is important that you never drive while you are drunk or otherwise impaired. You present a real danger to yourself and other drivers when you drive while impaired. Always get a designated driver or hire a taxi if you are impaired.

Practicing these basic safe driving tips will help reduce your chances of being in an accident when you are on the road, keeping yourself and other drivers safe.

If you have been in an accident through no fault of your own, you may be entitled to compensation for your injuries. Call the Law Offices of James Scott Farrin at 1-866-900-7078 to find out if one of our North Carolina personal injury lawyers may be able to help you. Representatives are available 24 hours a day, 7 days a week to offer a free evaluation of your case.

Limits on Medicaid Could Jeopardize Coverage for Millions

 Sad2_07082014The recent Supreme Court decision to uphold the Affordable Care Act - "Obamacare" - also included a provision to narrow the expansion of Medicaid, which provides health care coverage for poor Americans, including many young seniors.

Initially, the government proposed that states who refused to expand their coverage of Medicaid to all people under the age of 65 living below 133 percent of the poverty line - or about $14,000 for an individual and about $29,000 for a family - would lose all their federal funding for Medicaid.

The Supreme Court ruled against this provision, allowing states to refuse to expand the program without risk of losing federal funding. States such as Florida and Texas have already threatened to not expand the program.

The federal government is now offering to pay 100 percent of the expansion costs for the first three years, with the percentage gradually declining afterward, as an incentive for states to expand coverage. However, there is no mandate for states to do so.

As many as 3.3 million uninsured young seniors and 16 million older seniors and people with disabilities could be affected if coverage is not expanded, according to the National Senior Citizens Law Center (NSCLC).

Paul Nathanson, the executive director of the NSCLC, is calling on constituents to lobby their representatives to make changes to the law to ensure that coverage is available for all Americans. Otherwise, the poorest among us will be at risk of not having access to health care.

North Carolina Social Security Lawyers

At the Law Offices of James Scott Farrin, we believe that all seniors should have access to all federal benefits for which they qualify. If you have been denied social security benefits or other benefits, one of our North Carolina social security lawyers may be able to help. Call 1-866-900-7078 for a free evaluation of your case!

Rural Counties in North Carolina “Killing Grounds” for Automobile Accidents, AAA Says

 AAA Carolinas released its annual report of the most dangerous roads in North Carolina, and it found that rural counties had the most fatal crashes, calling those places "killing grounds" for automobile accidents.

Helicopter Car Accident_06082014The annual report is based on a comparison of miles driven and the number of deadly North Carolina car accidents that occur. The report also provides results for the types of vehicles driven, including motorcycles and tractor trailers.

Clay County was determined to be the most dangerous for fatal crashes. Rounding out the top five were Graham, Hyde, Robeson and Hertford counties.

Those five counties accounted for 5.4 percent of the state's total fatal crashes, yet only accounted for 2 percent of the miles driven in the state.

Drivers in Graham County were determined to have the highest risk of being in an injurious crash. Rounding out the top five were New Hanover, Pitt, Wayne and Cumberland counties.

"Rural counties have roads that are generally narrower, with more curves, lower shoulders, faded or nonexistent road markings and less police presence than major highways," said David E. Parsons, president and CEO of AAA Carolinas. "These roads are notorious for single-vehicle accidents involving speeding, drinking and younger drivers."

Officials with the N.C. Highway Patrol said they were trying to increase patrols in areas known to be problematic and were working with the N.C. Department of Transportation to improve roads and lower speed limits in those areas.

This is the third straight year that rural counties have topped the list for having the most dangerous roads. However, the news was not all bad for rural counties: Some also topped the list for safest counties.

Swain County was determined to be the safest for total number of crashes and number of injurious crashes, and Yancey County was considered safest for fatal crashes.

North Carolina Personal Injury Lawyers

If you or someone you love has been injured in an automobile accident, you may be entitled to compensation for your injuries. Contact the Law Offices of James Scott Farrin at 1-866-900-7078 for a free evaluation of your case and to find out if one of our North Carolina personal injury lawyers may be able to help you!

Car Accident Data Sends Important Message to North Carolina Teens

CDC Study Linking Young Drivers and Car Accident Deaths Important Warning to North Carolina Teen Drivers to Avoid Texting While Driving

Text&Drive_07032014An in-depth study from researchers at the Centers for Disease Control and Prevention reveals that many young adult and teenage drivers pose a risk to themselves, their passengers and other drivers due to their inexperience behind the wheel. The results of the study, which appeared in a July 2012 issue of Morbidity and Mortality Weekly Report, showed that, in 2009, drivers age 15 to 24 made up nearly a quarter of the 34,485 motor vehicle deaths among U.S. residents. That translates to more than 7,500 young people who died unnecessarily in car wrecks.

The North Carolina car accident attorneys at the Law Offices of James Scott Farrin see these numbers as confirmation that young drivers, particularly new, easily distracted drivers, are more likely to get into accidents than more experienced drivers. Though many young people are good drivers, there are several reasons for such a high rate of new driver car accident deaths, including young people getting behind the wheel after a party and driving drunk or teens texting while driving or making cell phone calls on the road. Regardless of what reduces a new driver's ability to avoid a serious car crash, traffic wrecks such as teen rear-end collisions and young adult high-speed crashes are the tragedies that translate into statistics such as those represented by this CDC study.

In cities like Charlotte, Raleigh, Durham and Fayetteville, North Carolina car accident fatalities involving young drivers can be due to inexperience with urban traffic and rules of the road. On busy highways like I-95, I-85 or I-40, 18-wheelers can be intimidating to teen drivers who aren't used to them. In rural areas, there are other reasons for new driver car accidents. They may approach a blind curve or a poorly lit intersection.

The North Carolina Graduated Driving License Program helps prevent at least some teen driver car crashes. The program requires that young drivers go through two phases of driving restrictions. Distracted driving, however, is a continual risk for inexperienced drivers, regardless of teen license restrictions, because of the temptation to text, make cellphone calls or use a GPS unit while driving.

According to the National Highway Traffic Safety Administration, and the US Government's Website for Distracted Driving, our youngest and most inexperienced drivers are at the greatest risk, with 16% of all distracted driving crashes involving teenage drivers 19 years old and younger. The site also states that sending or reading a text takes young drivers' eyes off the road for nearly 5 seconds, which, at 55 mph, is the same as driving the length of an entire football field with a blindfold on.

The experienced personal injury attorneys at the North Carolina Law Offices of James Scott Farrin know distracted driving is the cause of a large percentage of North Carolina car wreck injuries and car crash fatalities. If you or someone you love suffered injuries after being hit by a distracted driver, call us at 1-866-900-7078 or complete our online contact form today.

The Law Offices of James Scott Farrin

5848-100 Faringdon Place

Raleigh NC, 27609

Status Updates

New CDC Study Shows New Drivers Primary Victims of Car Accident Deaths-Could Distracted Teen Drivers Be the Cause?

New CDC Study Shows Teen Drivers Suffer Most Accident Death-In North Carolina Distracted Drivers Also Play a Part

Distracted Driving in North Carolina Could Be Part of Study Results Showing High Numbers of Teen Drivers Car Accident Deaths

Distracted Driving Such as Texting Could Be Involved in Study Results That Report Young Drivers Suffer Most Car Accident Fatalities

Texting Behind the Wheel and Other Distracted Driving May Be Cause of Young Drivers Suffering More Car Accident Fatalities

Are Texting and Cellphone Use While Driving Causes of CDC Stats On Young Driver Car Accident Deaths?

CDC Report: Teen Drivers Top Car Accident Fatality Victims-Is Distracted Driving the Main Cause?

CDC Stats Show Young Drivers Suffer Nearly a Quarter of Car Crash Deaths and North Carolina Teen Drivers Should Heed the Numbers

CDC Says Younger Drivers Make Up Twenty-Two Percent of Car Accident Deaths-Is Distracted Driving at Fault?

The Reason So Many Young Adult and Teen Drivers Die in Car Wrecks Every Year Could Be Due To Texting While Driving

Categories: General

Researchers Say Few Follow Recommendations for Child Safety in Cars

Wearing a seat belt can protect you from serious injury when you have been involved in even a minor car crash. Children need even more protections as they are smaller and are more vulnerable in a crash. However, research from the University of Michigan shows that many parents and children are not following the recommended guidelines for child safety harnesses in the car.

A study published in the American Journal of Preventive Medicine shows that few children remain in rear-facing car seats after they turn 1, fewer than 2 percent of children over 7 sit in a booster seat, and many who are older than 6 sit in the front seat.

The American Academy of Pediatrics updated their guidelines for child car safety and recommended that children remain in rear-facing safety seats until they turn 2.

Laws for child-safety seats vary by state, but most recommend that children stay in rear-facing seats until they reach a certain weight limit, and many safety advocates recommend they remain rear-facing even longer, as it is safer for small children. Most also require that children be at least 8 (and a certain weight) before sitting in the front seat.

The study looked at three years of data from the National Survey on the Use of Booster Seats from the National Highway Traffic Safety Administration. The researchers also interviewed drivers and collected independent data.

Researchers also found a correlation between safety belt use and race and economic status. Minorities and poor families were more likely to forego child safety seats or to transition children to adult belts earlier than recommended.

North Carolina Personal Injury Lawyers

If you or someone you love has been injured in an accident, you may be entitled to compensation for your injuries. Contact the Law Offices of James Scott Farrin at 1-866-900-7078 to find out if one of our North Carolina personal injury lawyers may be able to help you!

Texting and Other Distracted Driving May be Possible Factor in Increase in Traffic Fatalities, Data Shows

Last month, it was reported that the number of traffic fatalities had increased 13.5 percent in the first three months of the year over the first three months of last year. The National Highway Traffic Safety Administration (NHTSA) and the American Automobile Association (AAA) both suggested that warmer-than average winter weather may have contributed to more people driving, increasing the number of accidents.

However, data from the NHTSA during the same time period also showed that distracted driving became more of a factor in accidents during that time, and a new study from Ohio State University reported on the dangers of texting while driving.

In the last several years, the number of accidents caused by distracted driving has risen significantly. According to the NHTSA, distracted driving rose from being a factor in only 10 percent of crashes in 2005 to 18 percent in 2010.

Some officials believe that distracted driving and texting may be a bigger factor in the rise in traffic fatalities than the warmer weather encouraging more people to be on the roads. Preliminary data from the Federal Highway Administration (FHWA) showed that there was only a 1.4 percent increase in miles traveled for the first three months of 2012.

Distracted Driving_07222014Research shows that not only are more people getting in wrecks as a result of distracted driving, but that many people are overconfident in their abilities to multitask while driving, perhaps contributing to the increase in accidents.

"What is surprising is that our results also suggest that people may perceive that texting is not more dangerous - they may think they can do a good job at two visual tasks at one time," said Zheng Wang, a lead author of the study at Ohio State University.

North Carolina Personal Injury Lawyers

If you have been injured in an accident - whether it was the result of distracted driving or not - you may be entitled to compensation for your injuries. Call the Law Offices of James Scott Farrin at 1-866-900-7078 to get a free evaluation of your case and find out if one of our North Carolina personal injury lawyers may be able to help you!

Contact Information

Raleigh Law Office

5848-100 Faringdon Place
Raleigh, NC 27609
Phone: 919-834-1184
Toll Free: 1-866-900-7078

Durham Law Office

280 South Mangum Street, Suite 400
Durham, NC 27701
Phone: 919-688-4991
Fax: 800-716-7881

Fayetteville Law Office

517 Owen Drive
Fayetteville, NC 28304
Phone: 910-488-0611
Toll Free: 1-866-900-7078

Charlotte Law Office

201 McCullough Drive, Suite 220
Charlotte, NC 28262
Phone: 704-599-1078
Toll Free: 1-866-900-7078

New Bern Law Office

1505 South Glenburnie Rd, Unit P
New Bern, NC 28562
Phone: 252-634-9010
Toll Free: 1-866-780-3422

Greenville Law Office

702 G Cromwell Dr.
Greenville, NC 27858
Phone: 252-355-5205
Toll Free: 1-866-780-3227

Greensboro Law Office

300 N. Greene Street, Suite 850
Greensboro, North Carolina 27401
Phone: 336-665-7072
Toll Free: 1-866-900-7078

Goldsboro Law Office

214 South William Street, Suite 3
Goldsboro, NC 27530
Phone: (919)-731-2581
Toll Free: 1-866-900-7078

Henderson Law Office

514 Dabney Drive, Suite 200
Henderson, NC 27536
Phone: 252-492-4600
Toll Free: 1-866-900-7078

Roanoke Rapids Law Office

709 Julian R. Allsbrook Highway
Roanoke Rapids, NC 27870
Phone: 252-537-9670
Toll Free: 1-866-900-7078

Rocky Mount Law Office

3202 Sunset Avenue, Suite B
Rocky Mount, NC 27804
Phone: 252-937-4730
Toll Free: 1-866-900-7078

Sanford Law Office

703-B South Horner Boulevard
Sanford, NC 27330
Phone: 919-775-1564
Toll Free: 1-866-900-7078

Wilson Law Office

2315 Airport Blvd Suite A
Wilson, North Carolina 27896
Phone: 252-246-9090
Toll Free: 1-866-900-7078

Winston-Salem Law Office

301 N. Main Street, Suite 2409-C
Winston-Salem, NC 27101
Toll Free: 1-866-900-7078