The stress, anxiety, and financial burden of dealing with debt is something we understand here at Janvier Law Firm, PLLC. For more than 40 years, our lawyers have helped clients throughout North Carolina better understand their debt relief options and take advantage of the benefits of bankruptcy when debt becomes unmanageable.
Our firm was founded to help families and businesses eliminate or restructure personal and business debt, acting as guides throughout the entire process. From explaining the process of filing for bankruptcy, to helping you end creditor harassment and emerge on a solid financial footing, we are here to help you take the necessary steps to get out of debt and move forward with your life or business.
Our firm was founded to help families and businesses eliminate or restructure personal and business debt, acting as guides throughout the entire process. From explaining the process of filing for bankruptcy, to helping you end creditor harassment and emerge on a solid financial footing, we are here to help you take the necessary steps to get out of debt and move forward with your life or business.
Services
Located in Raleigh, North Carolina, Janvier Law Firm, PLLC, focuses on helping people and businesses survive financial difficulty. Our firm began as a two-attorney practice founded by attorney William "Bill" P. Janvier. Since graduating with honors from the University of North Carolina School of Law in 1992, Bill has helped individuals and businesses file successful bankruptcy cases throughout North Carolina.
Sometimes situations beyond your control can profoundly impact your earning potential and lead to overwhelming debt. If you find yourself unable to pay your bills, you may want to consider filing for bankruptcy. Designed to give debtors a fresh start, Chapter 7 bankruptcy gives you and your spouse relief from debts.
If your corporation, partnership, or sole proprietorship is struggling with substantial debt, you may be considering bankruptcy as a way to keep your business viable while you develop fresh strategies for future growth. Often referred to as "reorganization bankruptcy, " Chapter 11 permits your business to continue operating while you pay creditors some or all of what they are owed under a court-ordered payment plan.
One major misconception is that in a Chapter 13 bankruptcy, you are required to pay off all your debts in installments over a period of three to five years under a court-approved repayment plan. The payment plan is approved by the court and does last for three to five years. However, the amount of the payment will vary depending upon your assets and your income.
People generally do not file bankruptcy because they are irresponsible spenders. Usually, a significant event occurs that overwhelms people with debt. These incidents are often serious medical scares that can quickly lead to incurring large amounts of credit card and medical debt that can feel insurmountable.
Reviews (2)
Doug P.
Dec 12, 2013
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I recommend The Brewer Law Firm very highly! Their whole staff was great! Mr. Brewer and Mr. Braziel were a fantastic team together for me in my Chapter 7 Bankruptcy. Billy Brewer is a tough, honest, no-nonsense, competent and knowledgeable attorney who will tell you like it is and fight for you like a bull dog because he really cares about his clients. Billy Braziel is a perfect complement to him in his client communications and answering questions. I was scared and depressed before my first consultation with Mr. Brewer and couldn't sleep. I will never forget the gratitude I felt afterward
Mark L.
Oct 28, 2013
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Working with the Brewer Law team made the process understandable. Being honest with yourself and being organized will make the process easy, working with the Brewer Law firm makes you knowledgeable of your rights and the process to gain your life back. They are terrific at handling the legalities while you take steps for handling the control of your financial needs.
Some advice:
1) Be Organised....Keep copies of everything. Remember, this process is your responsibility.
2) Complete the paperwork and keep originals of everything.
3) Don't play the victim. This is a process to move forward
Some advice:
1) Be Organised....Keep copies of everything. Remember, this process is your responsibility.
2) Complete the paperwork and keep originals of everything.
3) Don't play the victim. This is a process to move forward
