Heather W. Culp

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
Asset Forfeiture


Heather has practiced law for nearly 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, 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.  In addition, Heather has significant experience litigating and otherwise resolving discharge and dischargeability issues that can arise in bankruptcy cases, and she regularly serves as a substitute trustee in commercial foreclosures in the greater Charlotte area.   She has served as a receiver and as the attorney for receivers and bankruptcy trustees.

Heather is President of the Mecklenburg County Bar, a 5400 member professional organization based in Charlotte.  She is also serving a three-year term on the Board of Governors of the North Carolina Bar Association and North Carolina Bar Foundation. She also volunteers with Charlotte Center for Legal Advocacy (formerly Legal Services of Southern Piedmont), handling cases for people who would otherwise be unable to afford representation.  Heather is happy to carve out time to speak to attorneys, paralegals, finance professionals, students, and community members about debt and credit education.

Heather’s husband, Chris, is also an attorney practicing in Charlotte, and together they have adopted a total of six Labrador Retrievers from local rescue organizations (the three most recent are pictured below).  In her free time, she enjoys reading contemporary fiction (find her profile on Goodreads.com) 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. 


  • University of Kentucky College of Law (Lexington, Kentucky), J.D., 1997
  • Miami University (Oxford, Ohio), B.A. in English Literature, Cum Laude, 1994

Thought Leadership



  • Co-speaker, “Bankruptcy – Tax Considerations,” NC Association of CPAs State & Local Tax Conference, 12/6/17
  • A Lot and a Building Have Become Our Home,” Mecklenburg County Bar Newsletter, 11/30/17
  • Welcoming Our Newest Members,” Mecklenburg County Bar Newsletter, 11/1/17
  • Silver Linings,” Mecklenburg County Bar Newsletter, 10/2/17
  • An Overview of the MCB’s Work Through 2020,” Mecklenburg County Bar Newsletter, 8/31/17
  • 10 Easy Tech Tips for Your Law Practice,” Mecklenburg County Bar Newsletter, 8/1/17
  • Committed to the MCB: What This Means for All of Us,” Mecklenburg County Bar Newsletter, 7/1/17
  • Ten Tips for Starting a Successful Solo Practice or Law Firm,” Lawyers Mutual, 5/17/17
  • Discharging Individual Income Taxes In Bankruptcy: Five Easy Pieces,” Long Leaf Law, 5/4/17
  • Co-Managing Editor, North Carolina Bankruptcy Practice Manual, Seventh Edition (published 2012)
  • Speaker, “Debt & Credit,” Metrolina Paralegal Association’s Fall Fest CLE Seminar, 11/11/16
  • Speaker, “Consumer Bankruptcy Update,” North Carolina Bar Association’s 2016 Annual Review CLE, 10/13/16 – 10/14/16
  • Co-speaker, “An Ethical Guide to Old School and New School Communication Skills,” Mecklenburg County Bar’s WDNC Annual Bankruptcy CLE, 5/13/16
  • Speaker, “Consumer Bankruptcy 101,” Mecklenburg County Bar’s 2016 Annual Review CLE,  2/5/16
  • Co-speaker, “Managing Through Financial Crisis,” Charlotte Works, 2012-2015
  • Co-speaker, “Navigating the Intersection of Bankruptcy Law and Family Law 2.0,”  Mecklenburg County Bar’s WDNC Annual Bankruptcy CLE, 5/15/15
  • Speaker, “Legal Options for Dealing with Debt and Credit Problems,” Legal Support Staff of North Carolina, Inc., 3/17/15
  • Co-speaker, “What Entrepreneurs Need to Know About Debt and Credit,” The BIG (Business Innovation Growth) meeting, 2/13/15
  • Speaker, “What Financial Planners Need to Know About Consumer Bankruptcy,” Financial Planning Association of Charlotte, 1/20/15

Professional Recognition

Recognized by The Best Lawyers in America ©  2017-2018 in the area of Creditor Debtor Rights/Insolvency and Reorganization Law; 2018 in the area of Litigation – Bankruptcy.

Recognized by Thomson Reuters North Carolina Super Lawyers:

  • Top 25 Lawyers in Charlotte list, 2016 and 2017.
  • Top 50 Women Lawyers in North Carolina list, 2016 and 2017.
  • Top 100 Lawyers in North Carolina list, 2016 and 2017.
  • Super Lawyers list in consumer bankruptcy, 2015-2017.
  • Rising Stars list in debtor/creditor relations, 2011-2013.

Recognized by Business North Carolina’s Legal Elite in the practice area of bankruptcy, 2011-2016; highest vote getter, 2017.

Recognized by The North Carolina Equal Access to Justice Commission, N.C. Pro Bono Honor Society Inductee, 2017.

AV peer-review rated by Martindale-Hubbell, for ethical standards and legal ability.

Associations & Admissions

Bar Admissions

  • North Carolina, 2002; Kentucky, 1997 (inactive)
  • U.S. District Courts—North Carolina: W.D.N.C. (2002), M.D.N.C. (2010), E.D.N.C. (2011)
  • U.S. District Courts—Kentucky: E.D.N.C. (1998), W.D.N.C. (2000)
  • U.S. Tax Court, 2006
  • U.S. Court of Appeals, Fourth Circuit, 2007

Professional Associations

  • Mecklenburg County Bar
    • President-Elect (7/1/16- 6/30/17)
    • Vice President (2015-2016)
    • Secretary (2013-2015)
    • Board of Directors (2012-2013)
    • Diversity & Inclusion Committee (2014-2017)
    • Continuing Legal Education Committee (Co-Chair, 2008-2010; Member, 2007-2014)
    • Linking Lawyers mentor (2011-2012)
  • North Carolina Bar Association
    • Board of Governors (2015-2018)
    • Audit & Finance Committee (2015-2018)
    • Planning Committee, NCBA Annual Bankruptcy Institute (2014, 2015)
    • Bankruptcy Section Council (2010-2013)
    • Nominations Committee (2010-2012)
    • Law-Related Education Advisory Committee (Chair, 2001-2009; Co-Chair, Justice Teaching Institute Subcommittee, 2004-2006; Member, 2002-2012)
  • Lawyers Mutual Insurance Company of North Carolina Charlotte Community Board (2016-present)
  • American Bankruptcy Institute
  • Women Lawyers of Charlotte
  • Kentucky Bar Association
  • National Association of Bankruptcy Trustees – Associate member
  • North Carolina State Bar

What Heather's Clients Say...

My journey with Heather Culp began in February 2015. I scheduled a consultation with Heather to learn about Bankruptcy and to see what my options were at the time. Heather highly recommended I file for bankruptcy, but for many reasons of my own, I just wasn't ready.

Click here to read the full testimonial.