Bankruptcy & Debt Lawyers Charlotte, North Carolina

Highly Ranked Consumer Bankruptcy Lawyers

The bankruptcy team of Essex Richards is one of the most sought-after and highly-rankedin North Carolina. Bankruptcy attorneyHeather Culp represents individuals and businesses in need of personal dept resolution. As a bankruptcy attorney, she assists clients in filing for chapter 7and chapter 11 bankruptcies, and helps them understand the bankruptcy process.

Heather’s bankruptcy work has been recognized by the legal community in numerous publications including Business North Carolina’sLegal Elite, North Carolina Lawyers Weekly Leaders in the Law, and The Best Lawyers in America.  She has received several significant rankings from Thomason Reuters North Carolina Super Lawyers, including: Top 25 Lawyers in Charlotte, Top 50 Women Lawyers in North Carolina, and Top 100 Lawyers in North Carolina.



What We Do

  • Chapter 11 bankruptcy
  • Chapter 7 bankruptcy
  • Adversary Proceedings
  • Settlements and Out-of-Court Workouts
  • Asset Planning and Protection
  • Receiverships
  • Money Owed
  • Debt management
  • Asset Forfeiture
  • debtor/creditor relations
  • business disputes
  • asset planning and protection
  • collections
  • exemption planning
  • debt relief and debt settlement
  • personal and business reorganization
  • personal LLC bankruptcy
  • Income tax in bankruptcy
  • guaranties
  • foreclosures
  • Financial disputes
  • discharge and dischargeability issues
  • credit card debt restructuring
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How We Helped...

 Thanks again to both you and Cindy for the work you two provided to help me end this horrible chapter of my life.  Removing this albatross from around my neck is finally allowing me to breathe again and I truly appreciate all you two have done for me.  You'll both remain in my prayers of thanksgiving for the people I care about.  Be blessed