My name is Terry Duncan and I am an attorney with Duncan Law. Duncan law is a family run law firm with offices in Salisbury, Charlotte, Greensboro, and Winston Salem. My fellow attorneys are my son Damon Duncan and his wife, my daughter-in-law, Melissa Duncan. We also have a large legal staff to assist us.
Our guiding principle is the golden rule, "treat people they way you would want to be treated". Duncan Law was founded by me in 1996. Since that time I have personally filed over 4,600 bankruptcy cases for people just like you. Unlike some large firms, with many attorneys claiming together they filed thousands of cases, I have personally worked on, appeared in court proceedings, and was the attorney of record on all these 4,600 bankruptcy cases.
Our guiding principle is the golden rule, "treat people they way you would want to be treated". Duncan Law was founded by me in 1996. Since that time I have personally filed over 4,600 bankruptcy cases for people just like you. Unlike some large firms, with many attorneys claiming together they filed thousands of cases, I have personally worked on, appeared in court proceedings, and was the attorney of record on all these 4,600 bankruptcy cases.
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As you are looking at this website, you are probably wondering about my background. I was born and raised in northeast Texas. My family is in the ranching business back in Texas. My previous jobs were as a police officer and a high school teacher. I had always wanted to become an attorney, and finally in 1992 I went to law school in Texas.
A Chapter 7 is one of the chapters of the United States Bankruptcy Code. It is commonly known as a "complete liquidation" of your debts. Chapter 7 bankruptcy will normally wipe out most credit card debts, repossessions, medical bills, law suits, unsecured personal loans and most other unsecured debts.
A Chapter 13 bankruptcy is a three to five year repayment plan. The main purpose of a Chapter 13 is to stop a foreclosure on a home. Other reasons to file a Chapter 13 is to repay back late or overdue taxes, alimony, and child support. The other main reason a person would file a Chapter 13 is when that person fails the "means test" and makes above the average income for their area or state.
You are several months behind on your mortgage payments or homeowner's association dues. The mortgage company has been calling you demanding that you catch up on your payments. You have been trying to work with them in a possible loan modification, and have offered to pay a portion of the amount due, such as your regular monthly payments, plus a little extra.
I am afraid if I file bankruptcy all of my neighbors, co-workers, and friends will know that I filed and my picture will be in the newspaper and on TV. Is this true?. Usually all of your friends, co-workers, and neighbors will never know you filed bankruptcy unless you tell them. If you apply for new credit, the new creditor will run a credit check on you and they will know you filed bankruptcy in the past.
Reviews (4)
Lisa Murray
Nov 21, 2020
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Rod Busssard
Oct 20, 2020
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Victoria Birdsell
Sep 26, 2020
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I could not have been happier with my experience!
Terry was very professional, knowledgeable and knew exactly what I needed to do to help me from day one!
Tracy, his assistant, was a Godsend! She walked me through the steps of what I needed to do, was very responsive and even gave me some much needed encouragement when I was feeling lost and discouraged!
I would highly recommend this firm to anyone who finds themselves in need of an awesome team in their corner for filing bankruptcy. They both made a very difficult matter much easier to handle!
I cannot thank them enough!
Terry was very professional, knowledgeable and knew exactly what I needed to do to help me from day one!
Tracy, his assistant, was a Godsend! She walked me through the steps of what I needed to do, was very responsive and even gave me some much needed encouragement when I was feeling lost and discouraged!
I would highly recommend this firm to anyone who finds themselves in need of an awesome team in their corner for filing bankruptcy. They both made a very difficult matter much easier to handle!
I cannot thank them enough!
Craig Moore
May 14, 2020
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