My name is Terry Duncan and I am an attorney with Duncan Law. Duncan law is a family run law firm with offices in Salisbury, Charlotte, Greensboro, and Winston Salem. My fellow attorneys are my son Damon Duncan and his wife, my daughter-in-law, Melissa Duncan. We also have a large legal staff to assist us. Our guiding principle is the golden rule, "treat people they way you would want to be treated".
Duncan Law was founded by me in 1996. Since that time I have personally filed over 4,600 bankruptcy cases for people just like you. Unlike some large firms, with many attorneys claiming together they filed thousands of cases, I have personally worked on, appeared in court proceedings, and was the attorney of record on all these 4,600 bankruptcy cases.
I am also certified as a board certified specialist in both consumer bankruptcy law and business bankruptcy law by the North Carolina State Bar. Only a very small percentage of attorneys can claim this designation. I had to pass a rigorous background check, reviews by other bankruptcy attorneys, and pass two national competency test to be awarded this designation by the North Carolina State Bar.
Duncan Law was founded by me in 1996. Since that time I have personally filed over 4,600 bankruptcy cases for people just like you. Unlike some large firms, with many attorneys claiming together they filed thousands of cases, I have personally worked on, appeared in court proceedings, and was the attorney of record on all these 4,600 bankruptcy cases.
I am also certified as a board certified specialist in both consumer bankruptcy law and business bankruptcy law by the North Carolina State Bar. Only a very small percentage of attorneys can claim this designation. I had to pass a rigorous background check, reviews by other bankruptcy attorneys, and pass two national competency test to be awarded this designation by the North Carolina State Bar.
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As you are looking at this website, you are probably wondering about my background.
I was born and raised in northeast Texas.
My family is in the ranching business back in Texas.
My previous jobs were as a police officer and a high school teacher.
I had always wanted to become an attorney, and finally in 1992 I went to law school in Texas.
In 1995 I graduated from law school and due to a new job for my wife, we moved the Charlotte area.
By me having a "real job" before becoming an attorney, I believe I have many "real life experiences" compared to some other attorneys who went straight to college, then law school, and have never had a job outside of the legal profession.
I was born and raised in northeast Texas.
My family is in the ranching business back in Texas.
My previous jobs were as a police officer and a high school teacher.
I had always wanted to become an attorney, and finally in 1992 I went to law school in Texas.
In 1995 I graduated from law school and due to a new job for my wife, we moved the Charlotte area.
By me having a "real job" before becoming an attorney, I believe I have many "real life experiences" compared to some other attorneys who went straight to college, then law school, and have never had a job outside of the legal profession.
A Chapter 7 is one of the chapters of the United States Bankruptcy Code.
It is commonly known as a "complete liquidation" of your debts.
Chapter 7 bankruptcy will normally wipe out most credit card debts, repossessions, medical bills, law suits, unsecured personal loans and most other unsecured debts.
In some circumstance, Chapter 7 could, under certain circumstances, wipe out old state and federal taxes.
Chapter 7 bankruptcy will usually not eliminate recent taxes, student loans, child support and alimony, fraudulent debts, criminal restitution, and drunk driving civil debts.
It is commonly known as a "complete liquidation" of your debts.
Chapter 7 bankruptcy will normally wipe out most credit card debts, repossessions, medical bills, law suits, unsecured personal loans and most other unsecured debts.
In some circumstance, Chapter 7 could, under certain circumstances, wipe out old state and federal taxes.
Chapter 7 bankruptcy will usually not eliminate recent taxes, student loans, child support and alimony, fraudulent debts, criminal restitution, and drunk driving civil debts.
A Chapter 13 bankruptcy is a three to five year repayment plan.
The main purpose of a Chapter 13 is to stop a foreclosure on a home.
Other reasons to file a Chapter 13 is to repay back late or overdue taxes, alimony, and child support.
The other main reason a person would file a Chapter 13 is when that person fails the "means test" and makes above the average income for their area or state.
If you fail the means test you cannot file a Chapter 7, but can still file a Chapter 13 bankruptcy and eliminate most of your debts over a five year monthly partial repayment plan.
The main purpose of a Chapter 13 is to stop a foreclosure on a home.
Other reasons to file a Chapter 13 is to repay back late or overdue taxes, alimony, and child support.
The other main reason a person would file a Chapter 13 is when that person fails the "means test" and makes above the average income for their area or state.
If you fail the means test you cannot file a Chapter 7, but can still file a Chapter 13 bankruptcy and eliminate most of your debts over a five year monthly partial repayment plan.
You are several months behind on your mortgage payments or homeowner's association dues.
The mortgage company has been calling you demanding that you catch up on your payments.
You have been trying to work with them in a possible loan modification, and have offered to pay a portion of the amount due, such as your regular monthly payments, plus a little extra.
The person at the mortgage company wants the total amount due; it is all or nothing.
They will not even take your regular payments; they are sending back your checks and you are getting even further behind.
The mortgage company has been calling you demanding that you catch up on your payments.
You have been trying to work with them in a possible loan modification, and have offered to pay a portion of the amount due, such as your regular monthly payments, plus a little extra.
The person at the mortgage company wants the total amount due; it is all or nothing.
They will not even take your regular payments; they are sending back your checks and you are getting even further behind.
I am afraid if I file bankruptcy all of my neighbors, co-workers, and friends will know that I filed and my picture will be in the newspaper and on TV.
Is this true?.
Usually all of your friends, co-workers, and neighbors will never know you filed bankruptcy unless you tell them.
If you apply for new credit, the new creditor will run a credit check on you and they will know you filed bankruptcy in the past.
Usually, your name will not be in the newspaper ot TV, unless you are a millionaire filing or some celebrity.
Is this true?.
Usually all of your friends, co-workers, and neighbors will never know you filed bankruptcy unless you tell them.
If you apply for new credit, the new creditor will run a credit check on you and they will know you filed bankruptcy in the past.
Usually, your name will not be in the newspaper ot TV, unless you are a millionaire filing or some celebrity.
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