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 while focusing on five goals.

Serving clients. Heather represents and advises individuals, married couples, and small businesses in various areas of civil (non-criminal) litigation and in strategies to avoid litigation. Her caseload involves bankruptcy, bankruptcy litigation, debtor/creditor relations, commercial litigation, disputes among businesses and business owners, and other legal issues involving debt, credit, or money owed. She handles asset planning and protection, collections, exemption planning, debt relief and debt settlement, personal and business reorganization, guaranties, contracts, foreclosures, taxpayer relief, and many other disputes pertaining to finances. She also represents and advises consumer bankruptcy attorneys insured by Lawyers Mutual of North Carolina, facing allegations of legal malpractice.

Serving courts. In 2019 Heather was selected and appointed to the Panel of Chapter 7 Trustees for the U.S. Bankruptcy Court for the Western District of North Carolina. Chapter 7 trustees administer chapter 7 bankruptcy cases. She also serves as a court-appointed receiver and court-appointed attorney for bankruptcy trustees. Since approximately 2008 she has regularly served as substitute trustee in commercial foreclosures in the greater Charlotte area. She advises and represents court-appointed receivers.

Serving the profession. The North Carolina State Bar appointed Heather to two 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 grant funding for the provision of civil legal services to the poor (2019-2022, 2023-2025) and she currently serves as the board’s vice chair (2022-2024).  Heather’s prior bar association service includes as President of the Mecklenburg County Bar (2017-2018), the largest county bar in North Carolina with over 6000 members.

Providing free legal services to low-income North Carolinians. Heather volunteers with Charlotte Center for Legal Advocacy and Legal Aid of North Carolina, Inc., handling cases for people who would otherwise be unable to afford an attorney. She chaired the 2018-2019 Access to Justice Campaign, which raised $500,000 in unrestricted funds to benefit these two pro bono agencies. The North Carolina Bar Association’s Bankruptcy Council awarded her its 2020 Pro Bono Service Award.

Educating lawyers and the community. Since 2008, Heather has planned, moderated, and/or spoken at more than 55 seminars, conferences, podcasts, and meetings, on topics that include legal practice areas, legal ethics, amendments to court rules, introducing and getting to know new judges, and leadership techniques.

Heather’s husband, Chris, is also an attorney. Over the years they have adopted a total of eight Labrador Retrievers from local rescue organizations (the three most recent are pictured below).

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