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What Are the Types of Bankruptcy in Charlotte?

Charlotte Lawyers on Your Side

Each year in the United States, over 1 million individuals file for bankruptcy. Our nation's current economic climate has reached a critical state having been built around a less-than-ideal system of financial institutions such as credit companies and lenders. It seems virtually impossible for anyone to keep up with the cost of living and interest rates skyrocketing, while their income remains the same, or even worse, decreases. It is plain to see how so many individuals are exploring the possibility of bankruptcy these days.

Our lawyers at Saffa Law Firm want you to know there is no shame in this. Financial crisis is more and more common in today's society, where our hard working citizens have little choice other than to depend upon an economic system powered mostly by credit companies and lenders. Fortunately, the United States has laws which allow some options for recovering from a negative financial situation, and eliminating debt. A person in serious financial trouble can seek some respite by filing for bankruptcy to make a fresh start.

To gain a better understanding of your options, schedule a free case evaluation with our firm today at (704) 710-8182!

Chapter 7 & Chapter 13

Two particular types of bankruptcy which can strongly aid in debt relief are:

Chapter 7 is an ideal option for individuals who want their debts discharged in the timeliest manner possible. It is also the better choice for people not earning steady income, or who are unemployed. Chapter 13 offers an alternative to qualifying people maintaining a steady income, but who need an extended amount of time to pay off their debt. The difference being mainly that people who file for Chapter 13 do not discharge their debt completely, but instead, pay if off over a period of 3-5 years.

To see if you are eligible for filing Chapter 7 or Chapter 13, contact our Charlotte bankruptcy lawyers for professional and friendly assistance.

We serve clients throughout the City of Charlotte, Town of Cornelius, Town of Davidson, Town of Huntersville, Town of Matthews, Town of Mint Hill, Town of Pineville, Town of Stallings, Buford, Charlotte, Goose Creek, Hembry Bridge, Indian Trail, JAARS, Jackson, Lake Park, Lanes Creek, Marshville, Marvin, Matthews, Mineral Springs, Mint Hill, Monroe, New Salem, Sandy Ridge, Stallings, Unionville, Vance, Waxhaw, Weddington, Wesley Chapel, Wingate, Concord, Harrisburg, Kannapolis, Midland, and Mt. Pleasant.

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Helping Clients Across Charlotte

See How Saffa Law Firm Has Guided Clients Through Their Legal Matters
  • “Love this lawyer She knows her Stuff!!!”

    Stanley Hunter

  • “With Diana's knowledge and friendly attitude, she eased my fears and unrest.”
  • “I was unemployed suddenly with a huge amount of credit card debt. Within a couple of months I was debt free!”


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


  • “Diana is so down to earth and does an excellent job. My bankruptcy was smooth and easy.”


  • “My husband and I didn't know where to turn”

    Porcha Petteway

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


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


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

    Olivier M.

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

    Francine K.

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


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


  • “A+ recommendation.”


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

    C. Sandifer

  • “Diana is the BEST there is!!!”

    Kelley Sheehan