At Hands Law, we know that financial strain can overwhelm even the most responsible people. When mounting debt, relentless creditor calls, and sleepless nights become your reality, you need more than legal paperwork — you need a trusted advocate who understands both the law and your life.
Serving clients throughout North Carolina since 2009, our attorneys combine deep knowledge of federal bankruptcy law with practical understanding of local court procedures. We don't just process cases; we guide families toward genuine financial recovery.
Call (704) 459-7410 or contact us online now to schedule a consultation and start exploring your legal debt relief options today.
The Bankruptcy Process: What to Expect & How We Support You
Understanding the process reduces anxiety and empowers better decision-making. Here's how we guide you through each phase:
Initial Consultation. We conduct a comprehensive financial analysis, explain all available options, and provide honest assessments of outcomes and timelines.
Document Preparation. Our team handles all petition preparation, schedules, and required documentation while keeping you informed of progress and next steps.
Court Representation. We represent you at all hearings, meetings, and proceedings, ensuring your rights are protected and your interests advocated.
Trustee Relations. We manage all communications with bankruptcy trustees, handling objections, requests for information, and plan modifications on your behalf.
Discharge Protection. We monitor your case through completion, addressing any issues that could delay or jeopardize your discharge.
“Making Trusts Easy with Expert Support”
“Thanks to Charlie Hands III and Hands Law Firm, setting up my Trust is a breeze! I’ll be referring friends and family for their effortless legal guidance!”
Bri W.
“Guidance Beyond Legal Needs”
“Charlie’s expertise and helpfulness exceeded my expectations! He provided valuable resources and guidance without pushing unnecessary services. Highly recommend!”
Cassandra B.
“Guidance and Expertise You Can Trust”
“Hands Law provided us with the knowledge and patience we needed for guardianship and estate planning. We now feel confident and prepared for the future.”
Chrystalle C.
“Compassionate Guidance During Life’s Toughest Moments”
“Grateful for Attorney Hands' expertise and support after my parents' passing. His guidance gave us clarity and peace of mind when we needed it most.”
Denise W.
“Clear, Simple, and Excellent Legal Service”
“Charlie Hands delivers excellence with a clear, straightforward approach. For any legal needs, Hands Law is the firm to trust for top-notch representation.”
Derek G.
“Seamless Bankruptcy Process”
“Hands Law made bankruptcy stress-free, guiding me through challenges with timely responses and expert solutions. Thanks to them, I’m starting fresh financially!”
Kap B.
“Exceptional Legacy Planning for a Secure Future”
“Charles and his team were patient and diligent, guiding our family through years of planning. Thanks to him, we now have a comprehensive legacy plan in place.”
Patrick S.
“Exceptional Estate Planning with a Personal Touch”
“Charlie Hands is the best in family estate planning! His kindness and clear explanations made everything easy to understand. Highly recommend his services!”
Legal representation should adapt to your needs, not force you into rigid systems. Our client-centered approach includes:
Flexible Consultation Options. Meet with us in-office, by phone, or through secure video conference — whatever works best for your schedule and circumstances.
Accessible Payment Structures. We offer payment plans that align with your financial reality, including options that work within tight budgets.
Clear, Jargon-Free Communication. You'll receive regular updates in plain English, with explanations that help you understand both your options and our recommendations.
Bilingual Support. Our team includes Spanish-speaking staff to ensure clear communication for all clients.
Take control of your finances today. Call (704) 459-7410 or contact us online to arrange a consultation with our seasoned Cornelius bankruptcy team.
We provide legal support in both English and Spanish, ensuring clear communication and personalized representation for every client.
Dedicated Advocacy for Every Client
No matter the complexity of your case, we fight for your rights with tenacity, dedication, and professionalism.
Proven Expertise, Compassionate Approach
With years of experience and a deep commitment to client well-being, we combine legal proficiency with a compassionate touch.
Comprehensive Bankruptcy Solutions Tailored to Your Situation
Chapter 7 Bankruptcy
Chapter 7 offers the quickest path to a fresh start by discharging qualifying unsecured debts like medical bills, credit cards, and personal loans. Our role extends far beyond filing paperwork:
Strategic Qualification Analysis. We navigate the complex means test by comparing your household income against current median standards in both North Carolina, maximizing your chances of qualification.
Asset Protection Planning. Using our knowledge of NC exemption laws, we develop strategies to protect your home equity, vehicles, retirement accounts, and personal property.
Creditor Meeting Preparation. We thoroughly prepare you for the 341 meeting, ensuring you're confident and ready for trustee questions.
Reaffirmation Strategy. When you want to keep secured assets like your car or home, we negotiate favorable reaffirmation terms that fit your post-bankruptcy budget.
Chapter 13 Bankruptcy
For clients with steady income who need time to catch up on secured debts or whose income exceeds Chapter 7 limits, Chapter 13 provides a court-supervised repayment structure.
Customized Payment Plans: We craft realistic 3-to-5-year plans based on your actual income, necessary expenses, and debt priorities, not generic formulas.
Foreclosure & Repossession Defense: Chapter 13's automatic stay immediately stops foreclosure proceedings and vehicle repossession, giving you breathing room to restructure payments.
Ongoing Plan Management: Because Chapter 13 cases span years, we provide continuous support, handling creditor objections, payment modifications, and life changes that affect your plan.
Priority Debt Strategy: We ensure tax debts, child support, and other priority obligations are properly addressed within your payment structure.
Student Loan Debt
Student loan debt requires experienced knowledge of both bankruptcy and federal education law. We provide comprehensive guidance across multiple relief avenues:
Federal Program Navigation. We help you access income-driven repayment plans and other federal hardship programs that can reduce your monthly obligations.
Collection Defense. When lenders pursue aggressive collection through wage garnishment or tax refund seizure, we respond with immediate legal action to protect your income.
Undue Hardship Litigation. For clients facing severe circumstances, we file adversary proceedings seeking complete discharge under the Brunner test or other applicable standards in NC federal courts.
Coordinated Debt Strategy. We integrate student loan solutions with your broader debt relief plan so that your obligations work together toward financial stability.
Beyond Bankruptcy: Your Financial Recovery Roadmap
Your discharge isn't the end of our relationship; it's the beginning of your financial future. Emerging from bankruptcy can feel overwhelming, which is why we provide comprehensive support to help you navigate your new financial landscape with confidence. Our ongoing guidance ensures you're truly positioned for long-term financial success.
We start by helping you clean up your credit reports, identifying and correcting errors to ensure discharged debts are properly reflected and your credit score can begin its upward trajectory. From there, we provide specific, actionable strategies for rebuilding credit through secured credit cards, small installment loans, and other proven methods that establish positive payment history without creating new financial stress.
We help you create realistic budgets and achievable financial milestones that match your post-bankruptcy capacity. Our goal is to ensure you never face the same financial crisis again while building the foundation for the financial future you deserve.
Why Cornelius Clients Choose Hands Law
Our commitment to the community goes beyond individual cases. We understand the unique challenges facing North Carolina families and businesses, and we've built our practice around providing genuine solutions, not just legal processing.
Local Court Experience: Our attorneys practice regularly in NC bankruptcy courts, understanding local procedures, trustee preferences, and judicial tendencies that can affect your case outcome.
Transparent Communication: No surprises, no hidden fees, no legal jargon designed to confuse. We believe informed clients make better decisions.
Compassionate Advocacy: Financial crisis affects entire families. We treat every client with dignity and respect, understanding that behind every case is a person working toward a better future.
Proven Track Record: Our successful case outcomes and client testimonials reflect our commitment to achieving the best possible results for every client we serve.
Take the First Step Toward Financial Freedom
If debt is controlling your life, waiting won't improve your situation. The sooner you understand your options, the more choices you'll have available to you. Our comprehensive consultation process is designed to give you clarity about your financial situation and the paths forward.
During your consultation, we'll review your specific circumstances, explain how current bankruptcy laws apply to your situation, and provide honest guidance about the best path forward for your unique needs.
Contact us today through (704) 459-7410 or through our online form to schedule your consultation and take the first step toward the financial freedom you deserve.
