Jacksonville Bankruptcy Law Firm

Jacksonville's ONLY Board-Certified Specialist in Bankruptcy Law

With more than 25 years of experience, Attorney Roger A. Moore provides exceptional service to clients seeking protection under North Carolina's bankruptcy laws. He recognizes that financial hardships can happen to anyone and sometimes consumers may not have the ability to comply with creditors' repayment demands. As Jacksonville's Board-Certified Bankruptcy Specialist, Attorney Moore provides superior, cost-efficient and value-oriented legal services in a compassionate and respectful manner to thousands of clients, in Jacksonville and throughout North Carolina, within the following areas:

  • Debtor and Creditor Law
  • New Bankruptcy Laws
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy
  • Chapter 12 Family Farm Reorganization
  • Debt Consolidation
  • Credit Counseling
  • Consumer Protection
  • Foreclosure
  • Repossession of Personal Property
  • Wage Garnishment
  • Liens
  • Bankruptcy Fraud

"Even under the new bankruptcy laws, you can do virtually everything that you could do under the old laws. I have an experienced staff to guide you through the new requirements so that filing for bankruptcy is as painless and easy for you as possible. The road to your financial recovery is shorter than you think, and may be just a phone call away."

-Roger A. Moore

Attorney Moore has an experienced and dedicated staff that provides the highest quality bankruptcy representation. He has also been recognized by the U.S. Bankruptcy Court as having an extremely high completion ratio in Chapter 13 cases and is a former Chapter 7 Bankruptcy Trustee. He has been a speaker at continuing legal education seminars on the subject of bankruptcy law.

If you or someone you know in Jacksonville, or throughout the State of North Carolina, needs legal counsel on debt consolidation or the assistance of an experienced consumer protection lawyer, please call Roger A. Moore today at 866-715-6640 or use the contact form provided on this site to schedule a free initial consultation. Convenient payment plans are also available. You can afford a Board-Certified Specialist!

We are a debt relief agency helping North Carolina residents file for relief under the Bankruptcy Code.

Jacksonville, North Carolina Bankruptcy Law Practice Areas and Legal Definitions

Financial problems can be disturbing and extremely stressful. You should not feel alone if you are embarrassed about considering bankruptcy. It is only natural that you would prefer to pay your bills, but bankruptcy may be your best option if you are not able to pay your debt.

North Carolina New Bankruptcy Laws:

Bankruptcy is a federal court process designed to help individuals and businesses eliminate their debts or repay them under protection of the bankruptcy court. Bankruptcies can generally be described as liquidation or reorganization. Under a liquidation bankruptcy (Chapter 7) a claimant files to eliminate debt through the bankruptcy court and under a reorganization bankruptcy (Chapters 13) a claimant files a plan with the bankruptcy court proposing how to repay creditors.

As of October 17, 2005, the requirements under which a debtor could file Chapter 7 bankruptcy changed under the Bankruptcy Abuse Prevention and Consumer Protection Act. Debtors are now required to seek budget and credit counseling six months prior to filing, financial "testing" is required to determine the debtor's capacity for debt repayment, Chapter 7 cannot be filed if household income is greater than the median household income as deemed by the state and state exemptions cannot be applied unless debtor has resided at current residence for over two years.

Due to the imposed requirements for Chapter 7 bankruptcy as set forth by the new laws, debtors who were previously eligible to file under Chapter 7 will now have to file under Chapter 13 bankruptcy instead, in which individuals and creditors agree to a court-imposed plan that requires some or all debts be repaid over five years, with an appointed trustee assigned to monitor the repayment process. Bankruptcy filings will continue to be recorded on an individual's credit report for seven years in the case of Chapter 13, and up to ten years for Chapter 7. For more information on the New Bankruptcy Laws, contact Jacksonville, North Carolina's premier bankruptcy lawyer, Roger A. Moore.

Chapter 7:

Chapter 7 cases are commonly referred to as straight bankruptcy or liquidation cases and may be filed by an individual, corporation or a partnership. Under Chapter 7, debtor is allowed to claim certain property exempt. In exchange for this, debtor gets a discharge, which means debtor does not have to pay certain types of debts.

Chapter 13:

Chapter 13 permits individuals to keep their property by repaying creditors out of future income. It is not available to corporations or partnerships. Each Chapter 13 debtor proposes a repayment plan that must be approved by the court. After completion of payments under the plan, Chapter 13 debtors receive a discharge of most debts.

Chapter 11:

Chapter 11 is the reorganization chapter available to businesses and individuals who have substantial assets and/or income to restructure and repay debts. It allows flexibility in structuring the reorganization, and there is no debt limit under Chapter 11. However, only a Chapter 11 debtor that qualifies as a small business may request expedited treatment. To qualify as a small business, debtor must be engaged in commercial or business activities, other than ownership of real property, and the total of its secured plus unsecured debts must be less than $200,000. Due to the expense and complexity of Chapter 11, the decision to file a petition should be made in consultation with an attorney. In addition to the filing fee paid to the Clerk, a quarterly fee must be paid to the U.S. Trustee in all Chapter 11 cases.

North Carolina Debt Consolidation:

Contrary to popular belief, debt consolidation is not a loan; it is a process in which debt is restructured into one low monthly payment and further enables a consumer to reduce the amount owed, and thereby eliminate interest. Often a consumer can detect warning signs of being in too much debt long before any collection notices are received. If more than two of the following signs apply to you, it is best to contact North Carolina debt consolidation Attorney Roger A. Moore to discuss your options:

  • You've begun to charge essential expenses like food and daily expenditures to credit card
  • You are making the minimum payments on your credit cards each month
  • You are near the limit of your credit cards
  • You have too many credit cards
  • You are unsure how much money you owe creditors

North Carolina Bankruptcy Fraud:

Bankruptcy fraud is a bankruptcy filed with criminal intent; i.e., the intention of evading payment for goods or services although the consumer has funds for repayment, or accepting payment for goods or services but not supplying such services. Common types of bankruptcy fraud include petition mills, false oath, concealment of assets and fraudulent conveyance.

If you or someone you know in Jacksonville, or throughout the State of North Carolina, needs legal counsel on debt consolidation or the assistance of an experienced consumer protection lawyer, please call Roger A. Moore today at 866-715-6640 or use the contact form provided on this site to schedule a free initial consultation. Convenient payment plans are also available. You can afford a Board-Certified Specialist!

Attorney Profile

Roger A. Moore, Attorney

Roger A. Moore received his B.A. from University of North Carolina, Chapel Hill; he graduated from University of North Carolina, Chapel Hill School of Law and is admitted to practice before all state and federal courts in North Carolina, including U.S. District Court, Eastern District of North Carolina.

Education:

  • Woodberry Forest School, the University of North Carolina at Chapel Hill
    • A.B
    • J.D.
    • Phi Delta Phi

Professional Affiliations:

  • Judicial Conference, Fourth Circuit
  • American Bar Association
  • Onslow County, North Carolina Bar Association
    • President, 1994-1995
  • National Association of Consumer Bankruptcy Attorneys

Board Certified Specialist in Consumer Bankruptcy Law:

  • American Board of Certification
  • North Carolina State Bar
    • North Carolina Association of County Attorneys, President, 1986
    • North Carolina's Outstanding County Attorney, 1987
  • U.S. Army, 25th Infantry Division, Republic of Vietnam, 1969-1970
    • Bronze Star, May 1970

Visit: Roger A. Moore's website

Additional Questions or need further information?

Roger A. Moore, Attorney at Law
100 Old Bridge Street
Jacksonville, NC 28540
Phone: 910-455-0448

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