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Retain Our Services: After you meet with one of our experienced debt professionals, you will know all your options for debt relief and you will have answers to all your debt-related questions. If you wish to move forward with our debt relief services, you can then retain the Law Offices of John T. Orcutt. Once this is done, you will feel the instant relief from stress. And, with your help, we will take care of the rest.
Let’s expand on more about our brand new "$O Money-Down" plan. There are 2 types of consumer bankruptcies, one filed under Chapter 7 of the U.S. Bankruptcy Code and one filed under Chapter 13. "$O Money-Down" pulls on the power of Chapter 13.
Normally, in our office, filing under Chapter 13 would require a payment of $528 "up-front" or sometimes more to get your bankruptcy case filed. That is, normally we get "up-front" at least $200 of the attorney fee, plus the $274 Court Filing Fee, plus the $34 Credit Counseling Certification fee, plus $20 for obtaining your credit reports, plus a Pacer Access fee of $10, for a total of $538. Some attorneys charge even more "up-front".
And, for as great as a filing under Chapter 7 can be in the right circumstances, the law requires that attorneys collect ALL their fees and ALL the costs "up-front". The problem is that, with regard to a filing under Chapter 7, this can require "up-front" payments of anywhere from $1,300 to $3,500 or more, depending upon the facts involved.
We have had so many people in to see us, people desperate to get out of debt and back on their feet, people who could easily afford a Chapter 13 plan payment, if only they could come up with the "up-front" money to get started.
The problem is that many of these people can't come up with the normal "up-front" money for a whole host of reasons. So, Mr. Orcutt got to thinking. People who are in financial strains need the kind of help that only filing bankruptcy can provide. However, those same people are leaving our office, not filing for debt relief and not getting the help they need. Why? Because some people are so in debt that they can not come up with the "up-front" costs that have to be paid to in order to file for bankruptcy.
Mr. Orcutt said that this has got to change. He was determined to find a solution to allow good people in bad financial times to be able to file for bankruptcy relief. More over, these same people are good, hard-working people, just like us and we needed to somehow figure out how to help them. Mr. Orcutt sat down, thought hard on it, talked to a lot of people, Judges, Trustees, attorneys, staff and others and even prayed about it. And, this is what I came up with: This is when $0 Money-Down came to light.
In order to do "$O Money-Down", Mr. Orcutt has to "advance" all of the "up-front" costs of associated with filing your bankruptcy case. These costs include the $274 Court filing fee, the $34 Credit Counseling certificate and the costs of getting your credit reports at $10 each. More over, Mr. Orcutt is spending over $300.00 just to make sure you get the help you need.
A lot of people have asked why Mr. Orcutt would create such debt relief plan. The answer is because Mr. Orcutt is in the business of helping people get a "fresh start" that only filing bankruptcy can provide. More over, Mr. Orcutt also hates having to turn people away just because they can't come up with the "up-front" costs that have to be paid.
If filing for bankruptcy is right for you and you qualify for "$O Money-Down", the Law offices of John T. Orcutt will advance (which means "pay on your behalf") all your "up-front" costs. ** (See *** below for the "O Money-Down plan qualifications.)
We know that if we can get rid of your worry about the "up-front" costs and get you in here, hopefully, you will make your FREE Consultation Appointment and come in, and then we will get a chance to show you the "truth hidden in plain sight", the truth about how powerful the bankruptcy laws are. More over, if we can get you in here, we will get the chance to break through all the untrue "junk" you have always heard about bankruptcy, junk that most people believe, junk that is simply NOT TRUE.
Ultimately, all we want is for you and your family to get the help and protection you deserve, help and protection that, if it's right for you, is available RIGHT NOW. The bottom line is if you need to file bankruptcy anyway why not get filed for "$O Money-Down"? What's more, you can find out all about bankruptcy, how it works, what it means and, most important of all, what it can do for you...FOR FREE. Why? Unlike some law offices, our initial consultations are ALWAYS FREE. FREE, no-strings attached and completely confidential.
And, if filing bankruptcy is right for you, and if you qualify, you can get filed for "$O Money-Down". It doesn't get any better than that. So, give us a try. Finally, a solution. Get the bankruptcy help and protection you need and pay "$O Money-Down”. With the lightest of touch really, just some paperwork properly prepared and properly filed, you can automatically and immediately change your world.
*Assumes filing under and qualification for Chapter 13 case.
**Costs advanced will be added to the Chapter 13 plan for reimbursement.
***Qualifications: (1) You own not more than a total of $2,000 in stocks, bonds, cash, banks or investment accounts (not including money in "qualified" retirements plans); (2) You have steady, dependable, income sufficient to pay the required monthly Chapter 13 plan payment (in addition to your normal monthly living expenses); (3) You are less than 6 months behind on the mortgages you owe on any and all real property you want to keep; (4) There are no foreclosure sales scheduled to take place in the next 30 days with respect to any and all real property you own and intend to keep; (5) You owe our law firm no money on a prior "dismissed" Chapter 13 case; and (6) You sign up with us before this "$O Money-Offer" expires.
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Serving All of North Carolina
6616 Six Forks Rd Suite 203 Raleigh, NC 27615 North Carolina
Tel: (919) 847-9750
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
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