The Best Bankruptcy Lawyers in Charlotte, NC

Filing for bankruptcy comes with a stigma attached. However, there are countless success stories that started with the protagonist declaring bankruptcy, only to build something amazing from that initial learning step.

Declaring bankruptcy is not always your fault. Sure, some people may bring bankruptcy on themselves by being irresponsible, but many others find themselves in this situation simply because of accumulated medical bills, student loans, pandemics, or because they decided to invest in a business that failed through no fault of their own.

In other words, while it may be demoralizing and arduous, there is nothing about filing for bankruptcy that is shameful or final. However, we decided to give you an overview of the best bankruptcy lawyers in Charlotte, NC to help you through this unpleasant and potentially risky process.

Featured Law Firm: Blossom Law

Blossom Bankruptcy Firm Logo

Established by attorney Rashad Blossom in 2013, Blossom Law Firm is here to help people who have been burdened by debt. If you feel like you have no options left but to file for bankruptcy, Blossom Law may help you.

Mr. Blossom, who grew up with blue-collar parents, has seen many examples of people falling prey to banks and large corporations with interest rates and policies devised to drain as much money from the working class.

This exposure convinced him to become a bankruptcy attorney and devote his career to helping people who find themselves filing for bankruptcy. This means that if you decide to contact him, you won’t just be getting a competent bankruptcy lawyer, but also a compassionate one.


Blossom Law may also be able to help you in personal injury or consumer problems litigation, but their main focus is on bankruptcy law, particularly:

  • Filing for Chapter 7 bankruptcy
  • Chapter 13 bankruptcy
  • Preparing foreclosure defense
  • Protecting you from creditor harassment under the Fair Debt Practices Act
  • Mortgage or credit card debt relief


You may find Mr. Blossom in his Charlotte, NC offices at 301 S. McDowell Street on weekdays between 8:30 AM and 5 PM, and claim your free consultation in person, but it might be more convenient both for you and him if you first shared some details of your case either by using the contact form on his website or by dialing (704) 271-9078. Should you need to contact him outside of the typical working hours, you only need to arrange it in advance, and he’ll do what he can to set it up.

If you’d prefer to have this and subsequent consultations in Spanish, Mr. Blossom can accommodate you, and he is also proficient in American sign language if you have problems with hearing.

Average Cost

While there is no information regarding the fee structure on their website, Blossom Law seems to be appreciative of the financial situation their prospective clients are in and seem to have policies in place which allow for different payment options, but to find out more, you’d need to contact them directly and inquire about the details.

Online Reviews

Seeing how all of his former clients who left a review on Google describe him as kind, competent, and practically always available, it is no wonder that he received a perfect 5 stars score on this platform. They also took the time to mention that his fees are very reasonable – without going into more details and that his advice has led them to much more favorable outcomes than they hoped for before commencing the process.

Why Did We Choose Them?

In Charlotte, bankruptcy attorney is synonymous to Mr. Blossom. With more than a decade of experience in bankruptcy and the consistently good impressions that he leaves on his clients, he is the best Charlotte bankruptcy lawyer, bar none.

When looking for the right bankruptcy attorney, in Charlotte or elsewhere, you don’t just need someone who is knowledgeable and competent, but also someone who understands the problems you are going through.

Law Firm #2: Arnold & Smith, PLLC

Arnold and Smith Law Logo

Founded in 2007 by Matt Arnold and J. Bradley Smith, Arnold & Smith, PLLC has since been steadily building its reputation as a reliable legal firm in North Carolina. They offer services in a wide range of practice areas, from business and estate law to criminal defense and bankruptcy law. With three offices in North Carolina and an experienced team of bankruptcy lawyers, they are a great choice for any number of legal matters.


Their other services aside, when it comes to bankruptcy law, the attorneys at Arnold & Smith, PLLC can help you with the following:

  • Chapter 7 bankruptcy means test and filing
  • Business reorganization, i.e. Chapter 11 bankruptcy
  • Consumer reorganization, also known as Chapter 13 bankruptcy
  • Discharging student debt
  • Medical or credit card debt lawsuits
  • Modifications to your home loan


Like we already mentioned, Arnold & Smith, PLLC have three offices in North Carolina: Mooresville, Monroe and one in Charlotte. While the offices are open for appointments Monday through Friday from 8:30 AM until 5:30 PM, it might be best if you contact them before visiting.

You can do so either by using the contact form on the site we’ve linked above or by giving them a call at (704) 370-2828 during office hours. It should be noted that using the contact form doesn’t form an attorney-client relationship, with this or any of the other legal firms listed here, so make sure that you don’t include any information which may be considered sensitive.

Average Cost

It’s uncommon for a legal firm to publicly display their pricing information, and this one is no exception. The only info on the matter comes from online reviews. and while most of them describe their rates as reasonable, one reviewer did claim they were charged $500 for a consultation.

Considering that some legal firms offer a free consultation, if the review is true, we suggest you find yourself a different bankruptcy lawyer. However, since there is no way for us to confirm or debunk this, our only advice is for you to inquire about the pricing right off the bat, and you shouldn’t have any trouble.

Online Reviews

With a perfect rating on Avvo, as well as numerous client’s choice awards, it seems that Arnold & Smith, PLLC have managed to leave quite an impression on a huge majority of clients they have represented throughout the years. Google reviews also paint a similar picture, with a 4.9 rating and most reviewers describing them as competent, expedient, and highly efficient.

Law Firm #3: The Crow Law Firm

Crow Bankruptcy Firm Logo

Established by Harry B. Crow, Jr. The Crow Law Firm has existed, in one form or another, since 1975, and has since managed to build up quite a reputation. Today, Mr. Crow works alongside his two sons, Marcus and Matthew, both competent litigators. This means that by hiring them you’d get all the warmth of a family business combined with the expertise of seasoned bankruptcy lawyers.


Also offering tax and estate planning services, The Craw Law Firm nevertheless specializes in bankruptcy law, specifically:

  • Debt settlement agreements
  • Chapter 7 bankruptcy
  • Chapter 13 bankruptcy
  • Protection from creditor harassment
  • Helping you get the most of federal and state exemptions


Even though their office is located in Monroe, North Carolina they have helped numerous residents of Charlotte file for bankruptcy. Their office is open or workdays from 9 AM to 5 PM, but you can contact them through the form on their website at any time of the day or night. If you’d prefer to discuss your case over the phone, you can do so by dialing (704) 288-3723.

Average Cost

While they have, as a firm and as individuals alike, been known to do a fair bit of pro-bono work in the past, they don’t mention if or how new clients could qualify for free representation. However, if online reviews are anything to go by, their pricing seems to be more than reasonable and quite sympathetic to the situation their clients are likely to be in.

Online Reviews

While the firm doesn’t show up on many review platforms, on those that they do, they have enviably high ratings and practically nothing but praise from their former clients. They are described as warm and approachable, but at the same time very meticulous.

Law Firm #4: Hoard Law

Hoard Bankruptcy Attorneys

Founded by Michael Hoard, who has been licensed to practice in North Carolina since 2010, but has been practicing law in Illinois since 1999, Hoard Law is a small firm, but one that is dedicated to their clients and will do everything in their power to help you get out of your financial problems.


While they also deal with criminal defense, real estate, and personal injury law, they have achieved great results for their clients in the area of bankruptcy law, specifically:

  • Filing for Chapter 7 bankruptcy
  • Helping you with Chapter 13 debt consolidation
  • Organizing the process of removing the second mortgage
  • Advising on involving a debt settlement company into the process
  • Helping with state and federal exemptions


While their Charlotte, North Carolina office is open from 9 AM to 5 PM to visitors, you’d do best to first make an appointment by dialing (704) 954-8094 at any time of the day and leaving a message. Alternatively, you use the convenient contact form on their website, but again, refrain from sharing too much if you decide for this approach and only provide the necessary information.

Average Cost

Since there is no payment information provided on the firm’s website, as is typical in this industry, the only thing we had to go on when assessing their pricing was the online reviews provided by their former clients. Since no one explicitly mentions the prices, neither to complain about them or to marvel at how low they are, there is nothing left for us but to assume that they are well within the industry standard.

Online Reviews

Described as knowledgeable, dependable, and always willing to devote as much time as needed to ensure his clients are fully aware of the situation they are in, Michael Hoard seems to be liked and respected by everyone he has represented in North Carolina. With a 5 star rating on Avvo and 4.8 stars on Google – because of a single negative review, which wasn’t even left by a client, it seems like he would be a good choice if you are looking for a reliable bankruptcy lawyer in Charlotte, NC.

Law Firm #5: Bell Davis Pitt Law

Bell Davis and Pitt Logo

With its first office opening in 1980, when Frank M. Bell, Jr., William K. Davis, and Walter W. Pitt decided to join their forces, Bell Davis Pitt Law has since expanded to one more office (one in Charlotte and one in Winston-Salem) and employs 35 competent banking, business, family and bankruptcy attorneys.


The firm deals with a wide range of practice areas, including but not limited to: construction, employment, intellectual property and corporate law, while their main services related to bankruptcy include:

  • Loan modifications
  • Debt restructuring
  • Helping with wage garnishment
  • Filing for Chapter 7 or Chapter 13 bankruptcy
  • Asset protection and general bankruptcy representation


Their office in Charlotte, North Carolina is open to clients on weekdays from 8:30 AM to 5:30 PM, but just like with other legal firms, it is advised that you contact them before going there in person. You can do so either by filling out the contact form on their website or by dialing (704) 227-0400.

Average Cost

Just like we advised with other legal firms that provided no transparent fee structure, we suggest that you inquire about their prices when you first contact them and decide for yourself whether the prices are reasonable. What we can say is that we’ve found no reason to believe that they are charging anything more than their competitors are.

Online Reviews

While they only have a total of one review on Google, giving them a perfect 5 stars rating, they have been extensively reviewed on Martindale-Hubbell by their peers and clients alike, and it seems like they are a very respected firm. Seeing that they’ve served the residents of North Carolina for four decades, this comes as no surprise, and it’s safe to say that their longevity speaks more about them than any review could.


As frightening as it may seem, bankruptcy isn’t the end of the world. While some people fear otherwise, it doesn’t necessarily mean that you will be losing your house or that you will never be eligible for credit.

Getting yourself a competent bankruptcy attorney is the first step. They will help you protect your main assets so that you can go on with your life. That being said, any of the legal firms above have qualified bankruptcy lawyers–you can’t go wrong with any of them.

Hopefully, this article got you closer to the legal advice that you deserve. Good luck, fellow Charlottean!

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