How About 11 GUARANTEES?


How about...not just one...but eleven (11) Exclusive,
Iron-Clad”, One-of-a-Kind, GUARANTEES.

Guarantees you get automatically when you work with us. Guarantees so bold my staff thinks I'm crazy to offer them...BUT I'M DOING IT ANYWAY, 

Including 5 "Money-Back" Guarantees

Guarantees that you can count on what we tell you and the services we provide. My guarantees are my hand-shake with you that you will be treated with the care and respect you deserve, that we know our stuff, that you can count on us to get the job done, and that your best interest is our first priority.

Why do we do it?

Because...for one thing...we also know how scary bankruptcy can seem. It doesn't matter how powerful the bankruptcy laws are...or how shocked and amazed you will be when you find out how all this bankruptcy stuff really works...if you never find out about it. take some of the "scary" out of bankruptcy and hopefully to at least make you feel safe in coming to see us...that we are not going any way...twist your arm or make you feel uncomfortable...we offer these guarantees.

The fact is that the bankruptcy laws are powerful...we know you will be shocked and amazed at how much better off you and your family will be...but if only we can get a chance to share this information with you. Nothing in the world is better at getting you out of debt, lowering payments, putting creditors under control, protecting your property and giving you a "fresh start" than the bankruptcy laws.

Here is a list of our 10 Guarantees: (For full details, "click" on the Guarantee of interest.)



File bankruptcy with your part...and you will have less debt...GUARANTEED...or your MONEY BACK.

Most of the time, a lot less debt. In some cases, where there is no vehicle or house loans, we can get rid of all the debt

Common sense conditions: All you have to do is: (1) Be totally honest and up-front with us, (2) Tell us everything about your situation, and (3) Do your part (See** below). That’s it.

Do this and then, at the end of your bankruptcy case, after you finish your case and get your final “discharge”, if you don’t have less debt than when you filed bankruptcy, we will give you your MONEY-BACK....THE ENTIRE ATTORNEY FEE.

This guarantee only applies to “dischargeable” debts you owe as of the date your bankruptcy case is filed and that have been listed in your bankruptcy case, and does not include debts such as student loans, certain tax obligation or debts rendered non-dischargeable by reason of illegal acts, omissions, or misrepresentation. “Money” (as in “Money-Back”) means the total attorney fee you paid to our office for the filing and normal handling of a bankruptcy case.



FREE No-Hassle, No Strings-Attached, In-Person, In-Depth Analysis Of Your Entire Financial Situation.
(A $150 to $500 value...for FREE)

We used to call it a “FREE Consultation”. However, that does NOT begin to do it justice. We’re not talking about a few minutes of our time. We’re talking about providing you a complete, in-depth ANALYSIS of your entire financial situation with an experienced professional and we’re talking for FREE. GUARANTEED!

We’re talking about an FREE ANALYSIS that can take up to 2 hours of our time.

Check around. There are other attorneys who charge “up-front” anywhere from $150 to $500 for the same service we provide for FREE.

We offer a FREE ANALYSIS of your financial situation for a reason. Before you come to see us, you have no way of knowing what, if anything, bankruptcy can do to help you, or what your options may be. For all you know, you may not have any options, and the last thing you need is another bill to pay. So, we offer the analysis for FREE. We take all the risk so you can get the answers you need and find out all your options...WITHOUT IT COSTING YOU A CENT.

How can we afford to offer this in-depth analysis for FREE?

Good question. Here's the answer. First...we want to help. People are in trouble thanks to a horrible and unrelenting economy. And there’s no end in sight. Second...we know that if we see enough people, enough of those people will sign up with us to make it worth our time. The truth is, we don’t file a bankruptcy for everybody that walks in the door. Far from it. We only file about 30% of the people who walk in the door.

Why only 30%?

Here's the answer. Not everyone needs to file. Not everyone wants to file. And some people just need answers. From experience, we know that some people are not ready to file and want time to think about it. Some people just want their questions answered. Some people just want to know what their options are. Some people just come in because they are pressured to do so by friends or family. Some people don’t have enough to gain by filing bankruptcy. Some have too much to lose. And, in some cases...and we hope this is not’s just too late to help because the person waited too long to come in. Unfortunately...we see this a lot.

As for the other 70% of the people who come in to see us, we are happy to provide lots of good information and answers "pro bono" (lawyer speak for free services). That’s perfectly O.K. with us. We are glad to do it. It’s just one way we can give back to others.

And...if we treat you with the care and respect you deserve ...hopefully...even if we can't help will tell other people about our office.

So, as you see, it’s a win-win situation for both of us. You get all the information and answers you need in a FREE, no-hassle, no-pressure, no-strings-attached setting and we end up with enough new clients to stay in business.

The fact’s worth it if only to make sure you find out the truth. We want you to find out just how powerful bankruptcy is and how bankruptcy really works...not what someone told you...but how it really works. You will be shocked. The truth is...bankruptcy does NOT work the way you think. You know all those bad things you have always heard about bankruptcy. Most of those things are simply NOT TRUE, and we would love a chance to prove it to you. The fact is that filing bankruptcy saves a lot of good, hard-working families. And we would hate to have your family miss out because of bad information.

We know that if you will come in, listen and ask questions, we won’t have to put any pressure on you. When you know the truth, when you finally find out how bankruptcy really works and how great it is...bankruptcy will sell itself.

Maybe filing bankruptcy is right for you, and maybe not. The good news is that you can find out for FREE. All we ask is that you: (1) Be honest with us and (2) Fill out our Initial Intake Paperwork (the same paperwork set forth on our website).

Still skeptical? We understand. How about this? When you come in, don’t even bring any money with you.

Common senses conditions: NONE.



GUARANTEE That If...At The End Of Your FREE ANALYSIS...You Feel Like We Have Wasted Your Time...We Will Pay You $20.00. It’s as simple as that!

Why in the world would we do this? You must be asking yourself: “That John Orcutt...he’s must be crazy to make an offer like this.”

Not really. In my experience, I have found most people to be both honest and honorable in their dealings with my office. I also know that the information we provide is valuable that regardless of whether what we have to offer is right for you...or NOT...getting at this information and finding out the truth will NOT be a waste of your time.

In fact, if you are like most people, finding out the truth about how things really work and the full breadth of the options available for dealing with your debts is so valuable that...when you leave our office...for the first time in a long will be able to relax, go home and get a good night’s sleep.

But, just to show you we are dead serious about helping you and dead serious about proving to you that we are people you can trust, and that we are people whose word you can literally take to the bank, we have left ourselves no-wiggle-room and no escape clauses.

The only thing we ask is that ahead of time...either 'online' (through our website) or in person (in our office) fill out our Initial Intake Paperwork to provide us a complete picture of all your assets, debts, income and expenses. the end of your FREE ANALYSIS...if you can look us in the eye...right then and there, before you leave our office... and tell us: "You have wasted my time."...we'll have you sign a short statement to that effect and then...within will have in your hands a check for $20.00, no-questions-asked, no-strings-attached. It’s as simple as that. GUARANTEED!

Common sense conditions: Limit one(1) $20.00 payment per FREE ANALYSIS (not per person) per year.



100% GUARANTEE that “What You Say Here, Stays Here”.

That’s right. This is our guarantee of privacy and complete confidentiality, that you can come in, sit down with us, tell us about your entire situation and your hopes and fears, and know that everything you tell us will be held in the strictest confidence. Your secrets are safe with us. Guaranteed. This way you can feel free to tell us everything, absolutely everything, about your situation, your hopes and your fears, all without even the slightest worry that anything you tell us will ever be revealed to anyone else outside the walls and confines of our office.

Common sense conditions: All documents filed with the bankruptcy court, and all the information contained in those documents, will be a matter of public record. In addition, confidentiality cannot be protected with respect to prospective or continuing criminal or fraudulent conduct.



A Full 15 Day, Unconditional, No-Risk, MONEY BACK,
Satisfaction Guarantee.

That’s right, if you sign up with us,...and during the next 15 days*...we take ALL the risk on ourselves. If for any reason whatsoever...before the end of the first 15 days after you sign up with change your mind and decide not to file bankruptcy, just tell us and we will give you a FULL REFUND of every red cent you paid us, no-strings-attached and no-questions-asked. It doesn’t get any better than that, especially with an attorney! GUARANTEED!

*or until we actually file your case with the court, whichever occurs first.

If you have been overwhelmed with debts, that problem did not start yesterday. Likely, you have been struggling with your debts and your creditors and losing sleep for months, if not years. You have gone through enough. You deserve to be treated right. You deserve to be treated with kindness, consideration and respect. You deserve that and more. That’s our job. If you are kind enough to come in to see us about filing bankruptcy and we don’t treat you with the kindness, consideration and respect you deserve, you should get rid of us and go to another attorney for help. If we don’t treat you right, we don’t deserve the right to work for you. But, that’s all easy to say. And talk is cheap. To show we really mean it, we are putting our money where our mouth is. We are offering a 15 day unconditional, money-back, satisfaction guarantee.

If at any time during the 15 days after you have hired us to help you*, you are not totally and completely satisfied with us and what we have to offer, you just say the word and we will give you all your money back, no questions asked.

In the meantime...all the risk is on us. You get a totally FREE initial consultation, a complete analysis of your debt situation, find out all your options, and...even if you sign up with us...a full 15 days to kick us to the curb at no risk to you. Kick us to the curb and you get all your money back.

In those 15 days, if you are not completely happy and satisfied with our office, our people, and the help we have to offer, we have failed you. It’s that simple.

It’s a win-win situation for you. And, even if you tell us to give you your money back and tell us to take a well-deserved hike, here’s what you get, absolutely for FREE:

  1. A guaranteed no pressure, no strings-attached, no holds-barred, FREE Financial Analysis.
  2. A complete analysis of your financial situation including a review of your assets, debts, income, expenses and goals.
  3. Answers to all your burning questions about debts and information about all your options, bankruptcy and otherwise.
  4. A full analysis of what filing bankruptcy can do for you and your family, including a copy of our exclusive “Results That Can Be Achieved” form.

It doesn’t get any better than that, especially with an attorney.

Whoever heard of an attorney offering a money-back satisfaction guarantee? Nobody....but we are doing it anyway.

Want to know why?

Because we know that you have enough problems without us making life even more difficult and because we know that how we treat you is even more important to you than what we do for you. Offering you this our way of proving it.

Our goal is to treat you the way you want and deserve to be treated. Anything less is unacceptable to us. And, we are backing it up with this unconditional, 15 day money-back satisfaction guarantee.

How to get your money back: ONE EASY STEP! If you are not completely satisfied with us and want to get your money back, it’s easy. Simply notify Attorney John Orcutt that you want your money back. To do this, simply email Attorney John Orcutt at no later than the end of the 15th day after you sign on with us. The date you sign up with us is the date you make your first payment to our office (the same day you sign our Authorization for Legal Services).

That’s all there is to it. No questions asked. We just give your money back, wish you well, and close your file.

Common sense conditions: *This guarantee will expire if, in the rare case, during the said 15 days, we have already filed your case with the Bankruptcy Court.



If You Qualify For Bankruptcy...We Guarantee That The Bankruptcy Court Will Accept Your Case For Filing...Or Your "Money-Back".

This guarantee insures that...if you do your part...we will do everything necessary on our part to properly prepare all of the documents and paperwork in a manner that will be accepted for filing with the Bankruptcy Court.

If the Bankruptcy Court does not accept your case because of an error on our part, we will fix it, and if we can't fix it, we will refile you for FREE, or we will refund 100% of your money, including the filing fee.

Common sense conditions: You have to do your part (See ** below).



Filing Bankruptcy Prevents Creditors From Calling. After You File Bankruptcy, Your Phone Will "Go Quiet"...GUARANTEED.

That’s just how powerful the bankruptcy laws are. Hard to believe, but true.

After you file, the creditors will stop calling and you phone will "go quiet" quiet that you'll pick up and check your phone just to make sure it's still working. We GUARANTEE it! Your phone will go so’ll think it’s magic.

Now, that’s quiet.

When we say quiet, of course, we don’t mean ‘absolutely’ quiet. You’ll still get calls from friends and relatives. We’re just talking about all the creditors listed in your bankruptcy case. Those calls will stop...all of them...GUARANTEED.

If, in the very rare case one of your creditors does keep on calling, you just let us know. We’ll take care of it. It’s illegal for your creditors to keep calling you and, if need be, we will haul that creditor by the collar in front of the Judge. One way or the other, your phone WILL GO QUIET!

Tell me that wouldn’t be nice! No more nasty creditor calls. No more threats. And no more sleepless nights wondering how you are going to pay on the bills you can’t afford.

And no more being afraid to pick up the phone. Can you imagine NOT being afraid to pick up the phone?

Nothing, absolutely nothing, makes the phone go quiet like filing bankruptcy.

Common sense conditions: This guarantee only applies to creditors you owe and which are listed in your bankruptcy case as of the date your bankruptcy case was filed.



GUARANTEE That If...After You File...Your Case Gets Kicked Out of Court Because We Mess Up...We Will File You Again for FREE.

That’s right. You do your part and if your case gets dismissed (means “kicked out of court”) because of something we messed up, we will file you again for FREE. This is our guarantee that if we mess up, we will fix it. If we mess up, we’ll even pay your filing fee (out of our own pocket).

Common sense conditions: You have to do your part (See ** below).



If You Are Eligible For Bankruptcy...And Do Your Part...You Will...For Sure...Get That All Important Bankruptcy Discharge...Or Your "Money-Back".

You are going to love being out of debt

All you have to do is: (1) Be totally honest and up-front with us, (2) Tell us everything about your situation, and (3) Do your part**. That’s it.

Be totally honest with us, tell us everything, and do your part, and if...for any don’t get your final “discharge”, we will give you your money back. That is, all the money you paid us in attorney fees...that is...the entire attorney fee. The bottom line: If you do your part, but we don’t do our job...and because of don’t get your final ‘discharge’...we work for FREE. GUARANTEED!

Common sense conditions: You do have to do your part. (See** below)

You do your part. We’ll do our part...and you will get your discharge...GUARANTEED!



GUARANTEE That If We Mess It Up, We Will Fix It...Even AFTER You Get Your Bankruptcy Discharge.

We are very good at what we do for a living. We do bankruptcy full time, every day, 24/7. We have helped well over 30,000 families try to get the “monkey off their back” and the “fresh start” they deserved. But, we are not perfect. No one is. However, we stand behind everything we do and if we mess something up, at no cost to you, we will fix it. GUARANTEED!

We’re not just saying it. If we mess something up in your case, we will fix it at our own expense, and not just during your case, but even after you get your bankruptcy discharge.



Your Bankruptcy Discharge Will Get Rid Credit Card Debts and Medical Bills...Or Your "Money-Back"

We call it the 100%-DEBT-FREE, MONEY-BACK, GUARANTEE that you will come out of bankruptcy “debt free”, at least with regard to the credit card debts and medical bills you listed in your bankruptcy case.


We’re talking about all your credit card debt, and all your medical bills.

Common sense conditions: This guarantee only applies to credit card debt and medical bills you owe as of the date your bankruptcy case is filed and that have been listed in your case, but not including debts or bills that would constitute alimony, child support or a domestic support obligation, or where you incurred the debt to pay for taxes. It assumes that you have not engaged in any fraud or fraud-like activity that would render these debts non-dischargable. It assumes the law as interpreted on or before 2/14/2010. This guarantee does not apply with respect to a debt you pay or feel you need to pay due to it being co-signed or where payment is guaranteed by someone else. If you file Chapter 13, it assumes that you “do your part”(see ** above), which includes making your Chapter 13 payments and doing so “on time”. Lastly, it assumes you finish your bankruptcy case to discharge.

What we mean by "do your part":

** Do your part” means that first, you have filed bankruptcy; second, you have done nothing...prior to discharge...that makes it difficult, undesirable, unlawful or unethical for us to continue representing you; and third, you did not, before filing, and do not, after filing bankruptcy, do anything that would impede or delay the filing of your bankruptcy case or which would make you ineligible to remain in bankruptcy or to receive a bankruptcy discharge, including, without limitation, the following; you must: (1) Fully cooperate with our office as necessary to get your case filed, (2) Provide, in a timely manner, all the money, documents and information necessary for us to get your case filed, (3) Be honest and above-board with us, your Trustee, the Court, and all parties involved, (4) Disclose all information required under the law, (5) Fully cooperate with our office, your Trustee, the Court and all other parties involved during the entire time that your bankruptcy case is pending, (6) Attend all required hearings, (7) Not have done or do anything illegal that would make you ineligible for a discharge, and (8) If you are filing under Chapter 13, make all required Chapter 13 plan payments and do so “on time”, (9) Not have lied, cheated, embezzled, or otherwise worked a fraud on our office, any of your creditors, your Trustee, the Court or anyone else involved in the bankruptcy system and (10) Have filed and provided to us all documents required under the Bankruptcy Code. This guarantee only applies to debts and bills you owe as of the date your bankruptcy case is filed and that have been listed in your case.

Guarantee Disclaimer: Nothing in the above guarantees is meant to guarantee or promise any particular result; these guarantees are merely our promise as to what we will do in the event that the referenced result is not achieved. Guarantees will be effective for all potential clients who make their first visit to our office after 1/1/21.

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

Serving North Carolina

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

North Raleigh

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

Tel: (919) 847-9750

North Raleigh


7400 Carmel Executive Park Dr Suite 105 (In affiliation with Jack G. Lezman, PLLC) Charlotte, NC 28226 North Carolina

Tel: (704) 318-2702



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)

Southport (Phone Consults)

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

Tel: (910) 218-8682

Southport (Phone Consults)

Wilmington (Phone Consults)

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

Tel: (910) 447-2987

Wilmington (Phone Consults)