How I Can Help

Adversary Proceedings
Settlements and Out-of-Court Workouts
Asset Planning and Protection

Civil Litigation, Including:
Business and Commercial Litigation
Money Owed
Fraud, UDTPA, Business Torts
Contract, Warranty, Guaranty


Heather has practiced law for over 20 years, in various areas of civil (non-criminal) litigation and in strategies to avoid litigation.  The majority of her caseload involves bankruptcy, debtor/creditor relations, commercial litigation, business disputes, and other legal issues involving debt, credit or money owed.  Her clients are individuals, families, and small business owners with tax, debt or credit issues who are unable to pay their debts in full, and creditors who are owed money.  She handles asset planning and protection, collections, exemption planning, debt relief and debt settlement, personal and business reorganization, guaranties, contracts, foreclosures, and many other disputes pertaining to finances.  Heather is a member of the Panel of Chapter 7 Trustees for the U.S. Bankruptcy Court for the Western District of North Carolina, appointed by the Bankruptcy Administrator to oversee and administer chapter 7 bankruptcy cases. She also serves as a substitute trustee in commercial foreclosures in the greater Charlotte area and as a receiver and attorney for receivers and bankruptcy trustees.

Heather is a reliable volunteer with local bar associations.  She is serving a three-year term on the Board of Trustees for the North Carolina State Bar Plan for Interest on Lawyers’ Trust Accounts (IOLTA), a source of funding for the provision of civil legal services to the poor through grants.  She is also serving a three-year term as chair of the North Carolina Bar Foundation’s Programs Committee and the accompanying seat on the Foundation’s Board of Directors.  Heather served as President of the Mecklenburg County Bar in 2017-2018, a 5400 member professional organization based in Charlotte.  She served on the Board of Governors of the North Carolina Bar Association and North Carolina Bar Foundation (2015-2018).  Heather volunteers with Charlotte Center for Legal Advocacy (formerly Legal Services of Southern Piedmont) and Legal Aid of North Carolina, Inc., handling cases for people who would otherwise be unable to afford representation.  Heather chaired the 2018-2019 Access to Justice Campaign, helping to raise $500,000 in unrestricted funds to benefit these two local pro bono agencies.

Heather’s husband, Chris, is also an attorney in Charlotte.  Together they have adopted a total of seven Labrador Retrievers from local rescue organizations (the three most recent are pictured below).  In her free time, Heather enjoys reading contemporary fiction (find her profile on and roots for her University of Kentucky Wildcats.

We are a debt relief agency helping people file for bankruptcy relief under the United States Bankruptcy Code. 

    What Heather's Clients Say...

    Many Chapter 7 bankruptcies are quite simple. Ours was not. Heather and Cindy worked diligently with us to execute the right strategy, captured the many details, and cheerfully answered all of our many questions. A simple cookie cutter solution would not have succeeded and would have resulted in significant judgements against us which did not happen. 

      What Heather's Clients Say......

      One word: PHENOMENAL! Heather and Cindy are two of the most efficient, knowledgeable, productive attorney/paralegal duo I have ever met. Going into bankruptcy I had a lot of reservations and fear, but due to Heather's vast body of legal knowledge I felt relief and security. Filing for bankruptcy is one of the scariest, embarrassing, frustrating experiences an adult can face. You feel as if you're walking around with a scarlet "B" on your chest and a huge amount of self-doubt. Thanks to the professionalism and compassion of such a dynamic duo I have learned that I can breathe easy and walk around with my head held high. As the French say: "C'est la Vie". If you're in the market for an attorney who will listen to your worries, offer valuable advice, not further break your already broken bank, and possess a intellectual acumen rarely seen in today's society then give Heather Culp a call. I am eternally grateful to Heather and her wonderful paralegal Cindy. From start to finish they made my process seamless and kept me informed and relaxed the entire time. These two ladies are a bankruptcy DREAM TEAM. I am now headed on a road to financial recovery and could not have had such a pleasurable experience if it had not been for them. Thanks Heather & more
      Laquetia Hollis
      23:18 31 Aug 17
      We engaged the services of the Law Office of Heather Culp in 2015 on the recommendation of a close friend, and they delivered big time. Heather and her Para Legal Cynthia were very professional, knowledgeable, and sensitive to clients' needs' I have nothing but positive memories of my dealings with them, and I will gladly recommend them to anyone in need of excellent legal more
      Sony Obuseh
      01:41 18 May 17
      Very helpful
      crystal webster
      20:39 13 Jan 17
      Heathe Culp, Attorney at Law and and her Paralegal Cindy Baker are truly outstanding. They handled and helped me through a Chapter 7 Bankruptcies with total professionalism. They both showed complete sensitivity toward my individual case and circumstances and were extremely helpful with advise and guiding me thru what I needed to to whereas my case was completed from filling to Final Degree 10 months. I would highly recommend themread more
      James Martin
      16:31 23 Jul 18
      Heather and Cindy are a phenomenal team. I 100% recommend them.
      Libby Gillette
      15:16 13 Nov 18