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.

Non-Dischargeable Debt in Bankruptcy

Bankruptcy will not get rid of all types of debt.  These debts are referred to as non-dischargeable debts because you will continue to owe them after your bankruptcy case is over. Some debts that will survive the bankruptcy include: Most taxes Most student loans Child support and alimony Debts arising from fraud or shortly before […]

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David Mills serving as head of the Stubbs Bankruptcy Clinic at Campbell Law School

David F. Mills of Mills Law Firm is now serving as head of the Stubbs Bankruptcy Clinic for Campbell Law School.  Mills’s term began December 1, 2014 and continues to this day. The Stubbs Bankruptcy Clinic is charged with providing students a unique experience in bankruptcy law as it tackles cases referred by the U.S. […]

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Filing Bankruptcy: An Overview of the Process

The first step toward your fresh start is to call Mills Law and schedule your free consultation. You’ll need to bring certain information (see “What to Bring to the First Meeting”). During this appointment you’ll meet with David Mills to talk about your concerns, goals, and the details of your financial situation. Based on your […]

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Bankruptcy FAQ: How does filing bankruptcy affect my credit score?

If you’ve been making a lot of late payments, or not paying some debts at all, then your credit score has probably already taken a hit, and there’s likely nowhere to go from here but “up.”  Bankruptcy will show up on your credit report for up to 10 years, but ask yourself how long it […]

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Fuquay-Varina Man Sentenced To 24 Months For Bankruptcy Fraud And Obstruction Charge

FOR IMMEDIATE RELEASE November 18, 2014 RALEIGH – United States Attorney Thomas G. Walker announced that today in federal court, Chief United States District Judge James C. Dever III sentenced DONALD Wayne MANGUM , 52, of Fuquay-Varina to 24 months imprisonment, followed by 3 years of supervised release, and ordered him to pay $101,675.00 in […]

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Ask questions about “no money down” bankruptcy cases.

If you have been reading about filing bankruptcy lately, you have probably read a lot about “no money down” bankruptcies, promising to get you the help you need at no cost. It sounds great, but before you commit, you need to make sure you understand what you are getting into, and exactly what you are […]

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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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