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You likely feel overwhelmed as you deal with Chapter 7 bankruptcy. Remember, during this challenging time, you have access to legal help. Talk with a Columbus Chapter 7 bankruptcy lawyer, and they can describe your legal options.
Farmer & Morris Law, PLLC, has served more than 10,000 clients, including those filing Chapter 7 bankruptcy proceedings. Allow a Columbus bankruptcy lawyer from our team to handle your legal matters. We will address your legal concerns and questions and help you make informed decisions as your bankruptcy case moves forward.
Give us the opportunity to help you with your Chapter 7 bankruptcy case. Our goal is excellence in legal representation, in every case, with every client, and at each stage of their legal proceedings. To learn more, schedule a free case review.
Why Hire Us for Your Columbus Chapter 7 Bankruptcy Case?
Hire our North Carolina bankruptcy lawyers to look for ways to help you regain financial stability. We can walk you through the process of filing for Chapter 7 bankruptcy.
Plus, with us, you’ll have access to a law firm with a sterling reputation, which is reflected in the following areas:
- Avvo 10.0 Superb Rating: At Farmer & Morris Law, PLLC, two of our attorneys, Joshua B. Farmer and Andrea G. Farmer, have earned an Avvo 10.0 Superb Rating, which is the highest possible score an attorney can receive on Avvo.
- Positive client testimonials: Farmer & Morris Law, PLLC, has a 4.8-star rating across more than 300 Google Reviews.
- Voted The Best of Rutherford County: Farmer & Morris Law, PLLC, has been voted the Best of Rutherford County (including Best Attorney and Best Law Firm honors) in local reader polls every year from 2011 through 2023.
- Bar associations: The attorneys at Farmer & Morris Law, PLLC, are members of the North Carolina State Bar and have memberships and affiliations with various professional organizations.
As you search for an attorney who has experience with Chapter 7 bankruptcy, consider Farmer & Morris Law, PLLC. No matter how difficult, complex, big, or small your legal matter is, our Columbus Chapter 7 bankruptcy attorneys are passionate about working toward the best possible outcome for you. For more information, request a free case review.
What to Expect if You File for Chapter 7 Bankruptcy
With Chapter 7 bankruptcy, a trustee can sell your non-exempt assets to pay your creditors. Part of your property can be subject to liens and mortgages that pledge the property to other creditors. In terms of how long it takes to do a Chapter 7 bankruptcy, the process can take four to six months.
You can file for Chapter 7 bankruptcy with the U.S. Bankruptcy Court for the Western District of North Carolina, with locations in Charlotte, Asheville, and Statesville.
By comparison, Chapter 13 bankruptcy can allow eligible individuals with regular income to repay some or all of their debts through a court-approved repayment plan, usually lasting three to five years.
According to the United States Courts, bankruptcy filings rose 12.2% during the 12 months ending June 30, 2026. The team at Farmer & Morris Law, PLLC, can help you weigh the pros and cons of Chapter 7 and Chapter 13 bankruptcy. If you decide to file for either type of bankruptcy, we can help you through each step of the process.
Columbus Chapter 7 Bankruptcy Lawyer FAQs
Work with a Columbus Chapter 7 bankruptcy lawyer from Farmer & Morris Law, PLLC, and we can guide you through the bankruptcy process. As you decide what to do regarding different bankruptcy options, we’ve included answers to common questions our Chapter 7 bankruptcy lawyers receive below.
What Does Chapter 7 Bankruptcy Cover?
Chapter 7 bankruptcy covers unsecured debt, including credit card balances, medical bills, personal loans, and certain unpaid utility bills. It may allow you to seek a discharge of qualifying debts. The process may involve selling nonexempt assets to repay creditors, although applicable exemptions may enable you to retain some or all of your property.
With Chapter 7, you could protect some or all of your property through applicable bankruptcy exemptions. However, Chapter 7 doesn’t eliminate certain debts, including most student loans, child support, alimony, and many tax debts. It can also discharge qualifying personal liability for certain secured debts, but it doesn’t necessarily eliminate a creditor’s lien on collateral.
What Questions are Asked at a Chapter 7 Hearing?
At a Chapter 7 hearing, a bankruptcy trustee will ask questions to verify your identity, review your bankruptcy paperwork, and confirm that your financial information is accurate. Some of the questions you’ll receive can relate to whether you’ve reviewed your bankruptcy petition prior to signing and whether your income, expenses, assets, and debts are complete and accurate.
Your Chapter 7 meeting of creditors, also known as a 341 meeting, will generally be conducted by video conference with the bankruptcy court in the Western District of North Carolina. The meeting instructions and connection details will be provided in your official notice. If a court hearing requires an in-person appearance, the notice will identify the applicable location.
What is the 90-Day Rule for Chapter 7 Bankruptcy?
The 90-day rule in Chapter 7 bankruptcy generally refers to certain payments made to creditors during the 90 days before filing. Under specific circumstances, a bankruptcy trustee may seek to recover payments that qualify as preferential transfers under federal bankruptcy law. Not every payment made during this period can be reversed, and some exceptions can apply.
Get Help from Our Columbus Chapter 7 Bankruptcy Lawyers
Look for a Chapter 7 bankruptcy lawyer serving Columbus who prioritizes your legal rights and best interests. With the team at Farmer & Morris Law, PLLC, on your side, you are well-equipped to get the results you want out of your Chapter 7 bankruptcy proceedings.
Our Columbus Chapter 7 bankruptcy attorneys know how tough it can be to go through the bankruptcy process alone. To our lawyers, every client is important, and we’ll strive to give you the assistance you need to obtain your desired case outcome.
We have five office locations, including an office at 187 North Washington Street in Rutherfordton, which is about a 25- to 30-minute drive from Columbus. To find out more about how we can help you with your Chapter 7 bankruptcy proceedings, schedule a free case review.
