Taking Control of Your Finances, One Bankruptcy at a Time
Terence G. Carroll, Attorney at Law is a debt relief agency dedicated to helping individuals, married couples, and small business owners in Mount Vernon, WA navigate the complexities of bankruptcy under the U.S. Bankruptcy Code. With more than two decades of experience in bankruptcy law, Mr. Carroll offers personalized legal representation tailored to suit the unique needs and circumstances of each client. Our firm takes great pride in ensuring that clients receive the highest standard of legal service and attention.
Bankruptcy Services
Our firm specializes in both Chapter 7 and Chapter 13 bankruptcy proceedings, offering comprehensive legal guidance to help clients make informed decisions about debt relief options.
*Chapter 7 Bankruptcy:* Also known as a fresh start bankruptcy, this type of bankruptcy is typically suitable for individuals with significant credit card debt, medical bills, or other unsecured debts. To qualify for Chapter 7 bankruptcy, clients must have no more than $125,000 in equity in a home and a household income below the median income for households of the same size in Washington State. If clients have more than $125,000 in equity in their home or if their income exceeds the median income for households of similar size, they may need to file under Chapter 13. The attorney fees for a typical non-business Chapter 7 case are $1,500, with an additional charge of $335 for the bankruptcy court filing fee, totaling $1,835.
*Chapter 13 Bankruptcy:* This type of bankruptcy is designed for individuals with steady income who are unable to qualify for Chapter 7 bankruptcy due to excessive equity in their home or higher income levels. Chapter 13 bankruptcy allows clients to restructure their debt into a manageable payment plan, typically lasting three to five years. The attorney fees for a Chapter 13 case are determined on an individual basis and may vary depending on the complexity of the case.
Small Business Bankruptcy: Our firm also represents small business owners facing financial difficulties. We offer experienced legal guidance on Chapter 7 and Chapter 13 bankruptcy options for business owners, helping them make informed decisions on the best course of action for their unique situation.
Additional Legal Services
*Bankruptcy Act of 2005:* Our firm stays up-to-date with the latest bankruptcy laws, including the Bankruptcy Act of 2005. We ensure clients fully understand the implications of the Act and how it may impact their bankruptcy case.
*Creditor Harassment:* We vigorously defend our clients' rights and put an end to creditor harassment. Our firm informs creditors of our representation and ensures all communication regarding our clients' debts is directed to our office.
*Debt Settlement and Consolidation:* We provide legal advice and guidance on debt settlement and consolidation options, helping clients determine the best course of action for their unique financial situations.
At Terence G. Carroll, Attorney at Law, we understand that seeking bankruptcy relief can be a difficult and overwhelming process. Our firm is committed to providing compassionate, personalized legal services to help clients find the debt relief they need and the fresh start they deserve.
Overall Experience
The reviews provide a mixed assessment of the attorney's performance, with some clients expressing satisfaction with his services while others report negative experiences.
Positive Experiences
Clients who had positive experiences with the attorney praised his professional demeanor, kindness, and ability to effectively guide them through the bankruptcy process. Many reported feeling confident and comfortable working with him, and some even credited him with helping them save their homes and businesses.
Negative Experiences
On the other hand, one client reported a negative experience, stating that the attorney abandoned their case without notification and retained a significant portion of their payment.
Common Themes
Several reviewers highlighted the attorney's professionalism, responsiveness, and compassion as strengths. Conversely, the single negative review raised concerns about the attorney's reliability and trustworthiness.
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