Notice: Due to COVID-19, we will be conducting all consultations via video, phone, or email. We are open and here to help people in these trying times.

Please don’t hesitate to call us if you have any questions!

Call for a Free Consultation 704.710.8182 Hablamos Español
Saffa Law Firm We're With You Every Step of the Way

Charlotte Chapter 7 Bankruptcy Attorneys

Personalized Legal Counsel to Fit Your Circumstances

At Saffa Law Firm, we have helped over 1000 clients obtain debt relief through bankruptcy. Each of our clients are treated as a name, not file number. Whenever you come into our office to discuss your case, you will always meet with your Charlotte bankruptcy attorney. We know how important your case is to you and never assign paralegals or legal secretaries to meet with clients.

We at Saffa Law Firm are confident in our abilities to help you with your case, no matter how straightforward or complex. We can ensure your petition is filled out and filed in a timely and appropriate manner. When you entrust your case to us, you can feel at ease in knowing your bankruptcy filing is in good hands.

In order to file for Chapter 7 bankruptcy, an individual must do the following:

  • Prove financial hardship by passing a " means test"
  • File all necessary bankruptcy forms to the appropriate court
  • Disclose information regarding current expenses and debts

Take the first step toward debt relief by requesting a free evaluation of your case.
Call us today at (704) 710-8182!

Is Chapter 7 Bankruptcy Right for You?

Chapter 7 may be a good option if you:

  • have "unsecured debts" (i.e. credit cards, medical bills, personal loans, etc.) that you can no longer afford to pay
  • have "secured debts" (i.e. home loan, vehicle loan, furniture loan, etc.) that cannot afford to keep and wish to surrender
  • have had a lawsuit filed against you over a debt
  • are facing a vehicle repossession

When Filing for Chapter 7 bankruptcy, you can:

  • keep and repay any "secured" debts (i.e. home, vehicle or furniture loans) that you want to keep
  • surrender (i.e. give back) any secured debts you no longer wish to keep
  • discharge (i.e. wipe out) your "unsecured" debt (i.e. credit cards, medical bills, personal loans, etc. - except for things like student loans, alimony, child support)

If you were to lose a home in a foreclosure, or a vehicle in a repossession, the creditor could then sell the property they took back and sue you for any balance left over. This is called a "deficiency claim". However, when you file for Chapter 7 bankruptcy and surrender property back to the creditor, they get the property back. They cannot then later sue you for any deficiency. This is another big protection afforded through bankruptcy.

If you are interested in pursuing this type of bankruptcy, don't make the mistake of thinking you can do this alone. You run the risk of filing for the wrong chapter or failing to submit required documents. Don't let this happen to you. Let us guide you through it.

Not sure if you are eligible? Call Saffa Law Firm today!

For the caring and reliable legal guidance you need, please contact us without delay. Once we determine if you are eligible to file for Chapter 7 bankruptcy, we can walk you through the entire bankruptcy-filing process so you never feel lost or confused about your options.

We are here to help you make smart and informed decisions regarding your financial situation. Contact our Charlotte attorneys today!

Turn to Saffa Law Firm for Advice

Request a Free Consultation to Discuss Your Case With an Attorney
  1. Our office is open 7 days per week
  2. Clients have 24 hours/day access to their attorney
  3. Personalized results-driven strategies tailored to fit your needs
  4. Compassionate advocacy that is aggressive when necessary
  5. Over 25 years of legal experience
  • Please enter your name.
  • This isn't a valid email address.
    Please enter your email address.
  • This isn't a valid phone number.
    Please enter your phone number.
    You entered an invalid number.
  • Please select an option.
  • Please enter a message.

Helping Clients Across Charlotte

See How Saffa Law Firm Has Guided Clients Through Their Legal Matters
  • “They helped me keep my residence, automobile, and work with my creditors as I worked to pay them.”

    Arnold S.

  • “Diana Saffa is an incredibly intelligent, clever, and hard-working attorney. She won't take "no" for an answer and she gets results.”


  • “I can't explain how satisfied I am with the service I was provided! Diana is such an intelligent force!”


  • “They are responsible, professional and most important, they get the job done right.”

    Francine K.

  • “I was never once left second-guessing my decision to have them represent me.”


  • “"Diana Saffa is truly a life saver!"”


  • “Diana is the BEST there is!!!”

    Kelley Sheehan

  • “A+ recommendation.”


  • “I was unemployed suddenly with a huge amount of credit card debt. Within a couple of months I was debt free!”


  • “...they are very knowledgeable and professional.”

    C. Sandifer

  • “I highly recommend this firm for all your legal issues.”

    Olivier M.

  • “She was incredibly well organized and I felt very secure in knowing I was in good hands.”


  • “The kindness and attention I received from Diana is unmatched from any other legal experience I have ever had.”


  • “With Diana's knowledge and friendly attitude, she eased my fears and unrest.”
  • “They are bankruptcy experts”

    Tanner S.