The Law Offices of John T. Orcutt Offers $0 Money Down Bankruptcy in Western North Carolina

Submitted by Dawn on Wed, 08/05/2020 - 8:58pm

The Law Offices of John T. Orcutt Offers $0 Money Down Bankruptcy in Western North Carolina

In our initiatives to serve all residents of North Carolina better manage their financial struggles in these unprecedented times, the Law Offices of John T. Orcutt is now offering $0 money down bankruptcy filings for residents of North Carolinathroughout the entire state.

Making the decision to file for bankruptcy can be tough enough. If you don’t have the cash on-hand to pay for legal assistance or to cover the bankruptcy filing fee, you may think you’re out of financial options.

How Much Does Bankruptcy Costs in Western North Carolina? 

Filing for Chapter 13 bankruptcy in North Carolina typical has upfront costs at least $350, including the: 

  • Court filing fee
  • Credit Counseling Certification fee
  • Credit report fees
  • Pacer Access fee

Many other attorneys will often require $500 to $1000 more for their attorney’s fees before filing.

A Chapter 7 bankruptcy, which may not be available for every consumer, can often cost anywhere from $1,300 to $3,500 or up, depending on your situation. 

And even with all these fees and costs, filing for bankruptcy costs less than waiting and watching as interest and penalties accrue on your outstanding debt. 

Bankruptcy costs less than watching your credit score plummet, which means you could pay more for car insurance, utilities, and even struggle to rent an apartment or find a job. 

You see, as debt lingers on, your credit score doesn’t have a chance to improve. When you get a fresh start with bankruptcy, you can start rebuilding your credit immediately.

We can even provide consultations over the phone, so you can get help from the comfort of your own home. 

Our Local Team Can Help You Take the First Steps to Financial Freedom

Fortunately, the Law Offices of John T. Orcutt can alleviate some of the financial burden of filing for bankruptcy. We offer filings with no money down and low monthly payments to residents of Western North Carolina and across the state.

Our team includes Principal and founder John T. Orcutt and a team of lawyers, including those who hail from Western North Carolina, as well as others who are uniquely suited to meet the legal needs of the Western North Carolina residents.

Meet Charlotte, NC, Native Lee Roland

Charlotte native Lee Roland graduated with a B.S. in Business Management from North Carolina State University and earned his J.D. from Campbell University in Buies Creek, NC. Roland maintains his dedication to the Tarheel State, with 10 years of experience practicing consumer and business debtor bankruptcy law and consumer protection.

With an Avvo Rating of 7.3, and ranked as a “Rising Star” on, Roland is one of many on our team devoted to helping his NYC bankruptcy clients find a fresh start.

Lawyers with Experience in the Western District Courts of North Carolina

Our law office also employs lawyers who have been admitted to the prestigious District Courts for the Western Districts of North Carolina and can assist people in Charlotte,  Asheville and throughout North Carolina with their bankruptcy proceedings.

While any North Carolina lawyers who have passed the bar in our state can practice law in State Courts, only those who have been admitted into the Federal District Courts can practice bankruptcy law in that region in the district courts. Admission to the Federal District Courts requires a separate application process, reviewing the lawyer’s ethics and  references.

Meet Associate Attorney Melissa Swaby

After graduating from Hartwick College in New York with a B.A. in Political Science and earning her law degree at the Case Western Reserve University School of Law in Cleveland, Ohio, associate attorney Melissa Swaby was admitted to the North Carolina State Bar in 2014.

She was admitted to the Federal District Court for the Eastern District of North Carolina in 2015, and, two years later, received admission to practice bankruptcy law in the Federal District Courts for the Middle and Western Districts of North Carolina.

With an Avvo Rating of 6.3, Swaby has represented both debtors and creditors in bankruptcy court. She is a member of the National Association of Consumer Bankruptcy Attorneys and the Capital City Lawyers Association.

Meet Associate Attorney Matthew A. Schmidt

Associate attorney Matthew A. Schmidt is a graduate of the University of North Carolina at Chapel Hill and earned his JD degree at Widener University School of Law in Wilmington, Delaware. Passing bar exams in three separate states, he is authorized to practice in New Jersey, Pennsylvania, and North Carolina. He has been admitted to Federal District Courts in all three states, as well. He is authorized to practice bankruptcy law in the Federal District Courts for the Eastern, Middle and Western Districts of North Carolina.

With an Avvo rating of 7.7, today Schmidt focuses his efforts and knowledge on assisting consumers primarily in Western North Carolina with bankruptcy proceedings.

Wherever You Are in Western North Carolina, Our Team Can Help

Residents of Buncombe, Catawba, Gaston, Henderson Count, or Mecklenburg in Western North Carolina can count on the Law Offices of John T. Orcutt to help you file for bankruptcy. We have already helped more than 11,197 North Carolina families file for bankruptcy with $0 Money Down.

With our $0 Money Down bankruptcy, eliminating upfront costs and fees for at least one month, you could be closer than you ever imagined to freedom from debt. That means no filing fees and no attorney fees. 

We can complete the entire process over the phone and computer, with no need for you to visit our offices. In this time of social distancing, we offer a safe, secure, and convenient way to file bankruptcy from your home. 

Plus, we always offer a free consultation so you can see if our $0 Money Down bankruptcy program is right for you. Call 888-234-4181 for a free and confidential consultation to see if our team of lawyers can help you get out of debt and start enjoying the life you deserve.


Debts Hurt! Got debt? Need help? Get started below!

Serving All of North Carolina

  • Fayetteville
  • Durham
  • Wilson
  • Greensboro
  • South Raleigh (Garner)
  • Southport
  • Wilmington

North Raleigh

6616 Six Forks Rd Suite 203 Raleigh, NC 27615 North Carolina

Tel: (919) 847-9750

North Raleigh


2711 Breezewood Ave. Fayetteville, NC 28303 North Carolina

Tel: (910) 323-2972



1738 Hillandale Road Suite D Durham, NC 27705 North Carolina

Tel: (919) 286-1695



2215 Nash St. NW Wilson, NC 27896 North Carolina

Tel: (252) 234-9194



600 Green Valley Road Suite 210 Greensboro, NC 27408 North Carolina

Tel: (336) 542-5993


South Raleigh (Garner)

143 Highway 70 Garner, NC 27529 North Carolina

Tel: (919) 747-4400

South Raleigh (Garner)


4320 Southport Supply Road SE STE 300 Southport, NC 28461 North Carolina

Tel: (910) 218-8682



4320 Southport Supply Road SE Suite 300 Southport, NC 28461 North Carolina

Tel: (910) 447-2987