Considering Bankruptcy?

Understand your options.

If you have too much debt, can't pay your bills, or are facing the loss of your home or car, bankruptcy may provide the help you need.

It also provides some major benefits, one of which is an immediate ending to the constant bombardment from collectors you may be experiencing (see “Benefits of Filing Bankruptcy” for more information.)

David Mills has been helping people get a fresh start through bankruptcy since 1991 and you can trust our experience to guide you through the process. Our Smithfield, NC, bankruptcy attorney serves clients in Johnston, Wake, Harnett, Sampson, Wayne, Nash, and Wilson counties, as well as families and businesses from all over eastern North Carolina.

David Mills is designated by federal law as a debt relief agent because he helps people file for bankruptcy.

Questions about bankruptcy?

Learn more by reading our "10 Myths about Personal Bankruptcy."

Additional Bankruptcy Information

Read the latest on important bankruptcy topics.

Divorce and debt repayment

Divorce and Joint Debt: A Reality Check…

Your divorce has been finalized, marital assets have been divided and any remaining marital debt allocated to the respective spouse.  In a perfect world, you could shut the door on that chapter of your life and move on.  BUT life isn’t perfect and the assignment of debt repayment to your ex-spouse does not mean that […]

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The truth about “Rent to Own” and “0% Financing” Purchases

Hidden Cost of “Rent to Own” and “0% Financing” Purchases The allure of a shiny car or a beautifully furnished home can make the low monthly payment options of “Rent to Own” and “0% Financing” appear to be an affordable, quick and easy purchase decision.   Here is what you need to know about purchase plans: […]

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Am I eligible for Bankruptcy?

Bankruptcy gives many people the opportunity for a financial fresh start.   When you work with us, we review your financial situation, look at the options that are available and determine the course of action that best addresses your financial situation.  For many people that is filing Chapter 7, for others it may be Chapter 13 […]

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What to Bring to Your First Meeting with Your Bankruptcy Attorney

When preparing for you free consultation with Mr. Mills, please bring the following documents to help us better understand your picture. If you can’t find all of these items, don’t let that discourage you from coming in. Often we can provide guidance on where this information can be obtained: The most recent bill or statement […]

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What are the benefits of filing bankruptcy?

Three major benefits come from bankruptcy. The first is the automatic stay, a federal court order that takes effect as soon as your bankruptcy case is filed. It prohibits your creditors (the people you owe money to) from calling or harassing you, suing you, repossessing anything or foreclosing on your home, or any other actions […]

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Dischargeable Debts in Bankruptcy

A bankruptcy discharge gets rid of most typical debts, including: Credit card bills Medical bills Personal loans Some taxes Lawsuits Business debt Deficiency claims (debts left over after repossession or sale of a car, home, or other property) Occasions also exist when bankruptcy will allow you to reduce the amount you owe on your cars […]

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The information contained in this website is for informational purposes only. You should not take any legal action based on this information without first consulting with a knowledgeable and experienced attorney.

David Mills is designated by federal law as a debt relief agent because he helps people file for bankruptcy.

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