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This Is a
Judgement-Free Zone
Deal with Debt with Dignity!
Specialist - Raleigh, NC Bankruptcy Attorney
Debt-Free in Ninety Days the Easy Way - for Only $250/Month!
Bankruptcy In Raleigh, NC - We are a small, family-run, boutique, "Judgement-Free" bankruptcy law firm based in Raleigh, NC.
Our attorney is a NC Board-Certified Specialist in Consumer Bankruptcy Law, an author of a consumer bankruptcy book, taught Continuing Legal Education (CLE) to other bankruptcy attorneys, and is considered one of the best bankruptcy lawyers in the country. Consumer Bankruptcy is ALL we do, and we do it well and at an affordable price.
We don’t take everybody, but those we do take we treat like family.
Bankruptcy in Raleigh, NC
FREE Downloads!
This Is a
Judgement-Free Zone
Deal with Debt with Dignity!
Specialist – Raleigh, NC Bankruptcy Attorney
Debt-Free in Ninety Days the Easy Way – for Only $250/Month!
Read More...
“They say money can’t buy happiness, but debt sure can bring plenty of stress. Overwhelming debt can take a toll on your health, finances, and even your relationships.”
– Kerry Cameron
Did you know it takes just 90 days on average for one of our clients to become completely debt-free after a Chapter 7 bankruptcy – with very little sacrifice?
Fast, Easy, Inexpensive, and Risk-Free Guaranteed!
In the last 20+ years of Sheree & Kerry filing bankruptcies, ALL of their clients who filed Chapter 7 and told the whole truth were successful. All of them. The vast majority were successful in about 90 days. Sheree’s and Kerry’s UNCONDITIONAL GUARANTEE you will be successful as long as you tell the whole truth and follow our instructions or your attorney fee back. This has never been necessary.
The vast majority of our clients lost NOTHING but debt, and those that did, knew so before they filed and filed anyway. They kept their homes, cars, TVs, guns, etc. All in about 90 days!
We want you to feel great about your decision, which is why we offer a 2nd UNCONDITIONAL GUARANTEE! If Sheree and Kerry aren’t the right fit for you, no worries—no hard feelings at all. Whether it’s 3 seconds or 3 days after becoming a client, if you’re not happy, we’re not happy. During that time, if we haven’t filed your case yet, we’ll refund your attorney fee—no questions asked. We just ask for one thing: let us know in writing what we could have done better so we can improve for future clients. That’s it! But honestly, we’re confident you’ll love our service.
This is why Cameron Bankruptcy Law has the best reviews in the State! See for yourself: http://CameronBankruptcyLawReviews.com
We don’t take everyone as clients, but those we do take, we treat like family. (We only have time for a limited amount of clients.)
Debt-Free in 90 Days!
That’s right—only 90 days after filing! But the real challenge is coming up with the money to start a Chapter 7 in the first place—because, let’s face it, if you’re broke, it’s tough. That’s why we created our Bankruptcy for only $250/month program. Easy peasy!
Our attorney charges $1,595 for a Chapter 7 bankruptcy, and that’s a big chunk of change for someone already struggling. Not everyone has a relative to loan them that kind of money! – So how??
Here’s the good news: In a Chapter 7 bankruptcy, most types of unsecured debt are completely wiped out—like credit card debt, personal loans, medical bills, repo debt, and more. So, if you’re planning to file for bankruptcy, why keep paying those debts? It’s like throwing your money down the toilet! You can use the money saved for your bankruptcy.
Instead, think about this: This way you can probably save—or find—only $250 a month. That’s all it takes to work toward becoming debt-free! For just $250/month over six months, you can stop paying on most of those unsecured debts and save yourself some stress and bring hope back. And if you can pay more each month, you’ll reach your goal even faster!
While you’re paying the $250/month, you’ll also be getting ready to file. You’ll work on all the paperwork so that when it’s time to file everything is smooth and easy. To make it even easier, Cameron Bankruptcy Law is going AI. This will make it the easiest way to file, period.
Now, here’s something to watch out for: By the second month, your creditors will start calling—sometimes multiple times a day. Don’t worry! If you’re in our $250/month program, we can handle those annoying calls for you after the second month or $500. No more stress!
“But what about my credit?” you might ask. Well, let’s be real—your credit is probably not great right now, or it won’t be soon. That’s why you’re considering bankruptcy, right? The good news is that most of our clients actually see their credit scores go up after filing bankruptcy! That’s because all that debt dragging down their scores gets wiped out. Did you know you can even buy a house just two years after a Chapter 7 bankruptcy—or even during a Chapter 13?
And yes, bankruptcy does stay on your credit report for 7-10 years, but guess what? Bad credit can haunt you for even longer! How long have you already suffered with it?
Here’s a secret: You can actually get a bankruptcy removed from your credit report shortly after it’s discharged. That means future creditors won’t even see it. After you file, reach out to Kerry, and he’ll explain how to do it—or help you find a trusted company to handle it for you.
We don’t want to see you as a client again! That is why all our clients take Credit Counseling and Finacial Management classes as part of their case!
Did you know: We have been where you are at now. Really. We were stuck in a debt-trap through no wrong doing of our own. We were stressed out, and that is where Cameron Bankruptcy Law was born. We were our own first clients. We have learned a lot since that problem 20+ years ago. Let us share that with you. We really do understand you.
We want our offer to be so great you would feel stupid to say no!
Don’t worry, If we don’t think bankruptcy is a good answer to your problems, Kerry will tell you what we think is a better opportunity for you. We want you to be very happy, regardless if you use us. Kerry turns people down daily.
Call Kerry Now! (919) 627-7748
So, what are you waiting for? If you’ve got more questions, Kerry is here to help—available 10 am to 10 pm, 7 days a week. Let’s get you on the road to becoming debt-free! 🚀
Call Kerry Now! (919) 627-7748
Bankruptcy In Raleigh, NC – We are a small, family-run, boutique, “Judgement-Free” bankruptcy law firm based in Raleigh, NC.
Our attorney is a NC Board-Certified Specialist in Consumer Bankruptcy Law, an author of a consumer bankruptcy book, taught Continuing Legal Education (CLE) to other bankruptcy attorneys, and is considered one of the best bankruptcy lawyers in the country. Consumer Bankruptcy is ALL we do, and we do it well and at an affordable price.
We don’t take everybody, but those we do take we treat like family.
One-of-a-Kind Bankruptcy Lawyer in Raleigh, NC!
Not filing for bankruptcy can mean you’re missing out on a fresh start that leads to future success.
Get your groove back!
Let Tamara tell you her bankruptcy story…
“OMG, is a Rock Star…” “Between Kerry and Sheree, they both have made this a remarkable experience for me – one that has been reassuring along the way.”
Let Les tell you his bankruptcy story…
“Thank you to Cameron Law for giving me a fresh start I needed to not just getting me back on my feet, but actually move forward.”
Let Rory tell you his bankruptcy story…
“Cameron Law has been terrific for us. We feel a lot more stress-free & it is easier to operate our everyday life.”
(click here to go to our Bankruptcy Raleigh NC Google Reviews)
(nearly 20 years with NO complaints – click here to go to our BBB® page)
Sheree Literally Wrote the Book on Bankruptcy. (click here to download)
Sheree is in the Top 3.9% of ALL Bankruptcy Attorneys. Nationwide (click here to go to NC Bar)
We Will BEAT or Match Any Price, Guaranteed.
Kerry Will Help You Get a 740+ Credit Score.
Sheree & Kerry - a Family Run, "Judgement-Free", Law Firm
Open 7 Days a Week (10 am-10 pm) Bankruptcy Raleigh NC
Easy Bankruptcy Payment Plans for Bankruptcy Raleigh NC
Two Bankruptcy Money-Back-Guarantees
How Our Consultation Is Different -
If you are struggling with debt, we’re here to help! Our free consultation for bankruptcy in Raleigh, NC is designed to give you clarity and confidence.
Here is how we’ll guide you…
Read More / Read Less
12 Things You Are Losing by Delaying Filing Bankruptcy in Raleigh, NC?
Bad credit can make everything more expensive and lead to missed opportunities, affecting everything from housing to jobs, and even health. For those struggling with debt, Bankruptcy in Raleigh, NC could be a smart way…
Read More / Read Less
…to get back on track and break the cycle of financial stress. Here’s a closer look at the true cost of bad credit, plus how filing for bankruptcy can provide financial relief and a fresh start.
How Bad Credit Costs You Money (And How Bankruptcy in Raleigh, NC Can Help!)
- High-Interest Rates on Loans and Credit Cards
- Why It Hurts: Bad credit means lenders see you as a risk, so they charge higher interest. This adds up, especially with credit cards and loans for big purchases like a car or house.
- Average Cost: A $10,000 loan at a higher rate could cost $5,000 to $7,500 more in interest over five years! If you make only the minimum payments on a $10,000 credit card balance at 29% interest over 20 years, you would pay approximately $82,207 in total, and after 20 years, you would still have a remaining balance of about $27,126.
- How Bankruptcy in Raleigh, NC Can Help: Filing bankruptcy with Cameron Bankruptcy Law can wipe out high-interest debt, freeing up income and helping you qualify for lower interest rates.
- Difficulty Getting Approved for Loans or Credit Cards
- Why It Hurts: Low credit scores make it harder to get approved for loans or credit cards. People with bad credit often have to rely on costly payday loans in emergencies.
- Average Cost: Each payday loan can rack up to $1,000 in fees per loan cycle!
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy with Cameron Bankruptcy Law clears old debt, improving your credit-to-debt ratio so you’re more likely to qualify for affordable credit in the future.
- Higher Costs to Rent Apartments
- Why It Hurts: Landlords generally check credit scores. With bad credit, you might needa larger deposit, or worse, might be turned down for housing. They can also raise your rent due to bad credit.
- Average Cost: Higher deposits can cost an extra $3,000 to $4,500 upfront on a $1,500 per month rental.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy with Cameron Bankruptcy Law improves your credit over time, helping you avoid extra fees and get better rental options.
- Expensive Mortgage Rates
- Why It Hurts: Low credit scores lead to higher mortgage rates, making home ownership much more expensive over the long term. If your credit is too bad you will get turned down!
- Average Cost: For a $200,000 mortgage, paying a higher interest rate could mean $80,000 to $100,000 more than someone with good credit over the life of the loan.
- How Bankruptcy in Raleigh, NC Can Help: Filing bankruptcy with Cameron Bankruptcy Law can improve your credit, so you’re more likely to qualify for a lower mortgage rate.
- Higher Car Loan Costs
- Why It Hurts: Bad credit impacts car loans too, leading to higher monthly payments and even fewer financing options.
- Average Cost: Paying a higher interest rate on a car loan could cost an extra $10,000 to $15,000 over 20 years for multiple cars.
- Bad credit can also force you to buy cars for even twice what they are worth form car lots!
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy with Cameron Bankruptcy Law can reduce debt and improve credit, helping you qualify for lower car loan rates.
- Increased Insurance Premiums
- Why It Hurts: Insurance companies sometimes charge higher premiums for people with poor credit scores.
- Average Cost: Higher premiums could cost $240 to $600 more per year, adding up to $4,800 to $12,000 over 20 years.
- How Bankruptcy in Raleigh, NC Can Help: With Cameron Bankruptcy Law you can have improved credit post-bankruptcy can lower your insurance premiums, saving you money every month.
- Limited Job Opportunities Due to Poor Credit
- Why It Hurts: Many employers check credit scores as part of the hiring process, especially in finance or security sectors. Low scores may hurt or eliminate your chances of getting the job.
- Average Cost: Missing out on higher-paying jobs could cost $10,000 to $60,000 per year, or $200,000 to $1,200,00,000 over 20 years.
- How Bankruptcy in Raleigh, NC Can Help: By filing bankruptcy with Cameron Bankruptcy Law and improving your credit, you can access better job opportunities and grow your income.
- Extra Deposits for Utilities and Services
- Why It Hurts: Utility companies often require larger deposits from those with low credit scores.
- Average Cost: Extra deposits for essential services could add up to $900 to $1,500 each time you move.
- How Bankruptcy in Raleigh, NC Can Help: Filing bankruptcy with Cameron Bankruptcy Law can improve credit scores, making it easier and cheaper to set up utilities.
- Harder to Start a Business
- Why It Hurts: Bad credit can prevent you from getting business loans, which limits your ability to start or grow a business.
- Average Cost: Missing the chance to start a business could mean $50,000 to $100,000 in lost income over several years.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy clears debt, improving your credit and opening doors for future business funding.
- Limited Financial Safety Net
- Why It Hurts: Bad credit means fewer options for borrowing in emergencies, which can lead to costly payday loans or debt.
- Average Cost: High-fee loans could cost $20,000 to $60,000 over 20 years.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy, with Cameron Bankruptcy Law, can give you a fresh start, allowing you to save for emergencies rather than relying on costly credit.
- Debt Consolidation Costs
- Why It Hurts: Higher rates on consolidation loans mean more money spent on interest, even if you’re trying to manage debt.
- Average Cost: High consolidation rates could cost $5,000 extra over five years.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy helps clear or reduce debts, eliminating the need for high-interest debt consolidation.
- Health Issues from Financial Stress
- Why It Hurts: Financial stress can lead to health issues, like anxiety and heart disease, increasing medical costs.
- Average Cost: This stress can easily add $20,000 to $60,000 in healthcare costs over 20 years.
- How Bankruptcy in Raleigh, NC Can Help: Reducing debt through bankruptcy can relieve stress, improving health and productivity. Cameron Bankruptcy Law can help.
- Limited Travel and Moving Options
- Why It Hurts: Bad credit can make it hard to rent a car, book hotels, or relocate, adding extra costs and restrictions.
- Average Cost: These limitations can add $10,000 to $30,000 in fees and lost opportunities over 20 years.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy can improve credit, giving you more travel and relocation freedom.
- Difficulty Improving Credit Without Help
- Why It Hurts: Bad credit can be tough to break without affordable credit tools or guidance.
- Average Cost: Difficulty improving credit can cost $10,000 or more in lost opportunities.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy resets your finances, making it easier to start fresh and build positive credit.
Total Potential Average Loss from Bad Credit: 1-2 MILLION Over 20 Years
Choosing Bankruptcy in Raleigh, NC Could be the Right Move
Bad credit costs more than you might think. Bankruptcy in Raleigh, NC could be the first step toward a brighter financial future. It allows you to reset your finances, eliminate high-interest debt, and improve your credit score, helping you save money on everything from interest rates to job opportunities. At Cameron Bankruptcy Law, we’re here to help you understand your options and guide you toward financial freedom. Don’t wait to make the change—reach out to explore how bankruptcy in Raleigh, NC can put you on a path to financial security!
10 am – 10 pm, 7 days a week – (919) 627-7748
Click here for a free, no-pressure consultation
How Our Consultation Is Different -
If you are struggling with debt, we’re here to help! Our free consultation for bankruptcy in Raleigh, NC is designed to give you clarity and confidence.
Here is how we’ll guide you…
Read More / Read Less
12 Things You Are You Losing by Delaying Filing Bankruptcy in Raleigh, NC?
Bad credit can make everything more expensive and lead to missed opportunities, affecting everything from housing to jobs, and even health. For those struggling with debt, Bankruptcy in Raleigh, NC could be a smart way…
Read More / Read Less
…to get back on track and break the cycle of financial stress. Here’s a closer look at the true cost of bad credit, plus how filing for bankruptcy can provide financial relief and a fresh start.
How Bad Credit Costs You Money (And How Bankruptcy in Raleigh, NC Can Help!)
- High-Interest Rates on Loans and Credit Cards
- Why It Hurts: Bad credit means lenders see you as a risk, so they charge higher interest. This adds up, especially with credit cards and loans for big purchases like a car or house.
- Average Cost: A $10,000 loan at a higher rate could cost $5,000 to $7,500 more in interest over five years! If you make only the minimum payments on a $10,000 credit card balance at 29% interest over 20 years, you would pay approximately $82,207 in total, and after 20 years, you would still have a remaining balance of about $27,126.
- How Bankruptcy in Raleigh, NC Can Help: Filing bankruptcy with Cameron Bankruptcy Law can wipe out high-interest debt, freeing up income and helping you qualify for lower interest rates.
- Difficulty Getting Approved for Loans or Credit Cards
- Why It Hurts: Low credit scores make it harder to get approved for loans or credit cards. People with bad credit often have to rely on costly payday loans in emergencies.
- Average Cost: Each payday loan can rack up to $1,000 in fees per loan cycle!
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy with Cameron Bankruptcy Law clears old debt, improving your credit-to-debt ratio so you’re more likely to qualify for affordable credit in the future.
- Higher Costs to Rent Apartments
- Why It Hurts: Landlords generally check credit scores. With bad credit, you might needa larger deposit, or worse, might be turned down for housing. They can also raise your rent due to bad credit.
- Average Cost: Higher deposits can cost an extra $3,000 to $4,500 upfront on a $1,500 per month rental.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy with Cameron Bankruptcy Law improves your credit over time, helping you avoid extra fees and get better rental options.
- Expensive Mortgage Rates
- Why It Hurts: Low credit scores lead to higher mortgage rates, making home ownership much more expensive over the long term. If your credit is too bad you will get turned down!
- Average Cost: For a $200,000 mortgage, paying a higher interest rate could mean $80,000 to $100,000 more than someone with good credit over the life of the loan.
- How Bankruptcy in Raleigh, NC Can Help: Filing bankruptcy with Cameron Bankruptcy Law can improve your credit, so you’re more likely to qualify for a lower mortgage rate.
- Higher Car Loan Costs
- Why It Hurts: Bad credit impacts car loans too, leading to higher monthly payments and even fewer financing options.
- Average Cost: Paying a higher interest rate on a car loan could cost an extra $10,000 to $15,000 over 20 years for multiple cars.
- Bad credit can also force you to buy cars for even twice what they are worth form car lots!
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy with Cameron Bankruptcy Law can reduce debt and improve credit, helping you qualify for lower car loan rates.
- Increased Insurance Premiums
- Why It Hurts: Insurance companies sometimes charge higher premiums for people with poor credit scores.
- Average Cost: Higher premiums could cost $240 to $600 more per year, adding up to $4,800 to $12,000 over 20 years.
- How Bankruptcy in Raleigh, NC Can Help: With Cameron Bankruptcy Law you can have improved credit post-bankruptcy can lower your insurance premiums, saving you money every month.
- Limited Job Opportunities Due to Poor Credit
- Why It Hurts: Many employers check credit scores as part of the hiring process, especially in finance or security sectors. Low scores may hurt or eliminate your chances of getting the job.
- Average Cost: Missing out on higher-paying jobs could cost $10,000 to $60,000 per year, or $200,000 to $1,200,00,000 over 20 years.
- How Bankruptcy in Raleigh, NC Can Help: By filing bankruptcy with Cameron Bankruptcy Law and improving your credit, you can access better job opportunities and grow your income.
- Extra Deposits for Utilities and Services
- Why It Hurts: Utility companies often require larger deposits from those with low credit scores.
- Average Cost: Extra deposits for essential services could add up to $900 to $1,500 each time you move.
- How Bankruptcy in Raleigh, NC Can Help: Filing bankruptcy with Cameron Bankruptcy Law can improve credit scores, making it easier and cheaper to set up utilities.
- Harder to Start a Business
- Why It Hurts: Bad credit can prevent you from getting business loans, which limits your ability to start or grow a business.
- Average Cost: Missing the chance to start a business could mean $50,000 to $100,000 in lost income over several years.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy clears debt, improving your credit and opening doors for future business funding.
- Limited Financial Safety Net
- Why It Hurts: Bad credit means fewer options for borrowing in emergencies, which can lead to costly payday loans or debt.
- Average Cost: High-fee loans could cost $20,000 to $60,000 over 20 years.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy, with Cameron Bankruptcy Law, can give you a fresh start, allowing you to save for emergencies rather than relying on costly credit.
- Debt Consolidation Costs
- Why It Hurts: Higher rates on consolidation loans mean more money spent on interest, even if you’re trying to manage debt.
- Average Cost: High consolidation rates could cost $5,000 extra over five years.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy helps clear or reduce debts, eliminating the need for high-interest debt consolidation.
- Health Issues from Financial Stress
- Why It Hurts: Financial stress can lead to health issues, like anxiety and heart disease, increasing medical costs.
- Average Cost: This stress can easily add $20,000 to $60,000 in healthcare costs over 20 years.
- How Bankruptcy in Raleigh, NC Can Help: Reducing debt through bankruptcy can relieve stress, improving health and productivity. Cameron Bankruptcy Law can help.
- Limited Travel and Moving Options
- Why It Hurts: Bad credit can make it hard to rent a car, book hotels, or relocate, adding extra costs and restrictions.
- Average Cost: These limitations can add $10,000 to $30,000 in fees and lost opportunities over 20 years.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy can improve credit, giving you more travel and relocation freedom.
- Difficulty Improving Credit Without Help
- Why It Hurts: Bad credit can be tough to break without affordable credit tools or guidance.
- Average Cost: Difficulty improving credit can cost $10,000 or more in lost opportunities.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy resets your finances, making it easier to start fresh and build positive credit.
Total Potential Average Loss from Bad Credit: 1-2 MILLION Over 20 Years
Choosing Bankruptcy in Raleigh, NC Could be the Right Move
Bad credit costs more than you might think. Bankruptcy in Raleigh, NC could be the first step toward a brighter financial future. It allows you to reset your finances, eliminate high-interest debt, and improve your credit score, helping you save money on everything from interest rates to job opportunities. At Cameron Bankruptcy Law, we’re here to help you understand your options and guide you toward financial freedom. Don’t wait to make the change—reach out to explore how bankruptcy in Raleigh, NC can put you on a path to financial security!
10 am – 10 pm, 7 days a week – (919) 627-7748
Click here for a free, no-pressure consultation
Stress, Anxiety & Depression
Cameron Bankruptcy Law can help. Here at Cameron Bankruptcy Law, we see a lot of mental distress over debt. Having low credit can lead to ongoing “cost anxiety”, impacting mental health, quality of life, divorce and even contributing to feelings of depression….
Read More / Read Less
For some, exploring options like bankruptcy in Raleigh, NC becomes a way to manage overwhelming debt and reset financially. Here’s a closer look at how low credit can affect different areas of life:
1. Strain on Relationships
- Why It Hurts: Financial stress can lead to relationship conflicts, especially when partners have shared financial goals or debt.
- Average Cost: The cost of counseling or even separation due to financial stress could total $5,000 to $10,000. Finances are the #1 reason for divorce.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy can ease financial pressure, making it easier to focus on positive family goals. Bankruptcy saves more marriages than counseling!
2. Mental Health Effects
- Increased Stress and Anxiety: Constant worry about finances due to limited options and high costs creates ongoing stress. This “credit-related stress” can make everyday financial decisions feel overwhelming, leading some to consider options like bankruptcy in Raleigh, NC for relief.
- Lower Self-Esteem and Confidence: Dealing with credit struggles can lead to feelings of shame or embarrassment, impacting self-esteem. Facing financial difficulties day after day can make people feel isolated or inadequate, making it even harder to take positive steps.
- Depression Risk: Persistent financial stress and a lack of control over one’s financial future can contribute to depression. This may lead to a lack of motivation to tackle debt, reinforcing the feeling of being “stuck” in a difficult financial situation.
2. Quality of Life
- Limited Lifestyle Choices: Low credit means paying higher interest rates, making financing options like cars or housing more expensive or even impossible. For some, bankruptcy in Raleigh, NC becomes a necessary step to remove barriers and create a fresh financial start.
- Restricted Access to Housing or Job Opportunities: Low credit can impact access to housing rentals, financing for education, or even job applications. These barriers restrict one’s ability to improve life circumstances, creating feelings of helplessness or frustration.
- Tension in Relationships: Financial struggles can cause stress in personal relationships, leading to misunderstandings, frustration, or arguments. By considering debt relief options, including bankruptcy, individuals may find relief from this pressure, leading to healthier relationships.
3. Cost of Anxiety
- High Cost of Borrowing and Hidden Fees: Low credit means higher interest rates and extra fees, like security deposits or insurance premiums. This can make daily budgeting a challenge, causing anxiety about future expenses and the feeling of never catching up.
- Fear of Financial Mistakes: Making decisions with limited financial options adds pressure, creating fear of spending mistakes. This constant worry can lead to “decision paralysis,” where even simple spending choices feel risky or stressful.
- Emergency Vulnerability: Limited credit reduces options for emergency funding, creating a sense of vulnerability and insecurity about handling unexpected expenses. Some people consider bankruptcy in Raleigh, NC to relieve debt stress and regain financial stability.
4. Depression and Its Effects
- The combination of financial stress, limited choices, and cost anxiety can lead to depression. This depression often creates a cycle, where the energy to tackle debt or rebuild credit is low, and motivation to improve the situation wanes. Depression can also reduce the quality of life, affect personal relationships, and make planning for the future feel overwhelming.
Considering Bankruptcy as a Way Forward
For individuals facing financial hardship, Cameron Bankruptcy Law may provide relief by eliminating debt or restructuring payments, offering a path toward rebuilding credit and mental peace. Filing Bankruptcy in Raleigh, NC with a professional can help determine if this is a suitable option, creating a fresh start and reducing cost anxiety, depression, and stress in the long term.
The Bible, the Constitution & Bankruptcy
My name is Kerry Cameron here in Raleigh. As a missionary’s and preacher’s kid, I remember the countless hours my dad spent counseling couples facing marital struggles…
Read More / Read Less
Stress, Anxiety & Depression
Cameron Bankruptcy Law can help. Here at Cameron Bankruptcy Law, we see a lot of mental distress over debt. Having low credit can lead to ongoing “cost anxiety”, impacting mental health, quality of life, divorce and even contributing to feelings of depression….
Read More / Read Less
For some, exploring options like bankruptcy in Raleigh, NC becomes a way to manage overwhelming debt and reset financially. Here’s a closer look at how low credit can affect different areas of life:
1. Strain on Relationships
- Why It Hurts: Financial stress can lead to relationship conflicts, especially when partners have shared financial goals or debt.
- Average Cost: The cost of counseling or even separation due to financial stress could total $5,000 to $10,000. Finances are the #1 reason for divorce.
- How Bankruptcy in Raleigh, NC Can Help: Bankruptcy can ease financial pressure, making it easier to focus on positive family goals. Bankruptcy saves more marriages than counseling!
2. Mental Health Effects
- Increased Stress and Anxiety: Constant worry about finances due to limited options and high costs creates ongoing stress. This “credit-related stress” can make everyday financial decisions feel overwhelming, leading some to consider options like bankruptcy in Raleigh, NC for relief.
- Lower Self-Esteem and Confidence: Dealing with credit struggles can lead to feelings of shame or embarrassment, impacting self-esteem. Facing financial difficulties day after day can make people feel isolated or inadequate, making it even harder to take positive steps.
- Depression Risk: Persistent financial stress and a lack of control over one’s financial future can contribute to depression. This may lead to a lack of motivation to tackle debt, reinforcing the feeling of being “stuck” in a difficult financial situation.
2. Quality of Life
- Limited Lifestyle Choices: Low credit means paying higher interest rates, making financing options like cars or housing more expensive or even impossible. For some, bankruptcy in Raleigh, NC becomes a necessary step to remove barriers and create a fresh financial start.
- Restricted Access to Housing or Job Opportunities: Low credit can impact access to housing rentals, financing for education, or even job applications. These barriers restrict one’s ability to improve life circumstances, creating feelings of helplessness or frustration.
- Tension in Relationships: Financial struggles can cause stress in personal relationships, leading to misunderstandings, frustration, or arguments. By considering debt relief options, including bankruptcy, individuals may find relief from this pressure, leading to healthier relationships.
3. Cost of Anxiety
- High Cost of Borrowing and Hidden Fees: Low credit means higher interest rates and extra fees, like security deposits or insurance premiums. This can make daily budgeting a challenge, causing anxiety about future expenses and the feeling of never catching up.
- Fear of Financial Mistakes: Making decisions with limited financial options adds pressure, creating fear of spending mistakes. This constant worry can lead to “decision paralysis,” where even simple spending choices feel risky or stressful.
- Emergency Vulnerability: Limited credit reduces options for emergency funding, creating a sense of vulnerability and insecurity about handling unexpected expenses. Some people consider bankruptcy in Raleigh, NC to relieve debt stress and regain financial stability.
4. Depression and Its Effects
- The combination of financial stress, limited choices, and cost anxiety can lead to depression. This depression often creates a cycle, where the energy to tackle debt or rebuild credit is low, and motivation to improve the situation wanes. Depression can also reduce the quality of life, affect personal relationships, and make planning for the future feel overwhelming.
Considering Bankruptcy as a Way Forward
For individuals facing financial hardship, Cameron Bankruptcy Law may provide relief by eliminating debt or restructuring payments, offering a path toward rebuilding credit and mental peace. Filing Bankruptcy in Raleigh, NC with a professional can help determine if this is a suitable option, creating a fresh start and reducing cost anxiety, depression, and stress in the long term.
The Bible, the Constitution & Bankruptcy
My name is Kerry Cameron here in Raleigh. As a missionary’s and preacher’s kid, I remember the countless hours my dad spent counseling couples facing marital struggles…
Read More / Read Less
Bankruptcy Does Not Need To Be Scary!
For many people, the word “bankruptcy” brings to mind images of financial ruin, endless stress, and an uncertain future. But what if I told you that bankruptcy isn’t something to fear?
Read More / Read Less
In fact, it can be one of the most empowering tools to regain control over your financial life. Let’s explore why bankruptcy isn’t as frightening as it seems and how it can offer a fresh start for those in need.
Understanding Bankruptcy
At its core, bankruptcy is a legal process designed to help individuals or businesses who cannot pay their debts. It provides a structured way to either eliminate or reorganize debts, giving people a chance to rebuild their financial lives. Far from being a punishment, bankruptcy is a resource to protect you from spiraling further into financial trouble.
There are two main types of personal bankruptcy in the United States:
- Chapter 7: Often called “liquidation bankruptcy,” this process involves selling certain non-exempt assets to pay off creditors. Most unsecured debts, like credit card balances and medical bills, are discharged, meaning you no longer owe them. You can be “Debt-Free” in 90 Days! You can buy a house after two years.
- Chapter 13: Known as “debt reorganization,” this type allows you to keep your property while setting up a court-approved repayment plan over three to five years. This can make debts more manageable and prevent foreclosure on your home. You can even sell or buy a house in Chapter 13.
Debunking Common Myths
- Myth: Bankruptcy Means Failure Bankruptcy doesn’t mean you’ve failed; it means you’re taking responsibility for your financial situation and seeking a solution. Many successful individuals, including entrepreneurs and celebrities, have filed for bankruptcy and gone on to thrive.
- Myth: You’ll Lose Everything In reality, bankruptcy laws include exemptions that allow you to keep essential items like your home, car, and personal belongings. The goal is to help you get back on your feet, not strip you of everything. Most people lose nothing.
- Myth: Bankruptcy Destroys Your Credit Forever While bankruptcy does impact your credit score, it’s not permanent. Most people see their credit jump up immediately since it changes the person’s Debt-to-Income Ratio. In fact, clearing your debts through bankruptcy can make you a better credit risk than struggling to make payments you can’t afford.
The Benefits of Bankruptcy
- Immediate Relief: Filing for bankruptcy triggers an automatic stay, which halts collection efforts, wage garnishments, and foreclosure proceedings. This gives you breathing room to sort out your finances.
- Debt Discharge: Bankruptcy can eliminate overwhelming debts, allowing you to focus on rebuilding rather than drowning in payments.
- Financial Reset: It’s a chance to reassess your financial habits, create a budget, and establish a solid foundation for the future.
- Emotional Freedom: Living under the weight of unmanageable debt is exhausting. Bankruptcy can alleviate that stress and provide peace of mind.
Taking the First Step
If you’re considering bankruptcy, the first step is to consult with a qualified bankruptcy attorney. They can explain your options, guide you through the process, and help you make an informed decision. Remember, you don’t have to navigate this alone.
Moving Forward
Bankruptcy isn’t the end of the road; it’s a new beginning. By letting go of unmanageable debt, you’re creating space for growth and stability. While the decision to file for bankruptcy is never easy, it’s often the first step toward a brighter financial future.
So, let go of the fear. Bankruptcy isn’t scary—it’s a tool for reclaiming your life and taking back control. With the right mindset and support, you can move forward stronger and wiser than before.
Chapter 7 and Chapter 13 Bankruptcy: What You Need to Know
When people face overwhelming debt, bankruptcy can offer a fresh financial start. Two common types of bankruptcy available to individuals in the United States are Chapter 7 and Chapter 13. Both serve to help those struggling with debt, but…
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Bankruptcy Does Not Need To Be Scary!
For many people, the word “bankruptcy” brings to mind images of financial ruin, endless stress, and an uncertain future. But what if I told you that bankruptcy isn’t something to fear?
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In fact, it can be one of the most empowering tools to regain control over your financial life. Let’s explore why bankruptcy isn’t as frightening as it seems and how it can offer a fresh start for those in need.
Understanding Bankruptcy
At its core, bankruptcy is a legal process designed to help individuals or businesses who cannot pay their debts. It provides a structured way to either eliminate or reorganize debts, giving people a chance to rebuild their financial lives. Far from being a punishment, bankruptcy is a resource to protect you from spiraling further into financial trouble.
There are two main types of personal bankruptcy in the United States:
- Chapter 7: Often called “liquidation bankruptcy,” this process involves selling certain non-exempt assets to pay off creditors. Most unsecured debts, like credit card balances and medical bills, are discharged, meaning you no longer owe them. You can be “Debt-Free” in 90 Days! You can buy a house after two years.
- Chapter 13: Known as “debt reorganization,” this type allows you to keep your property while setting up a court-approved repayment plan over three to five years. This can make debts more manageable and prevent foreclosure on your home. You can even sell or buy a house in Chapter 13.
Debunking Common Myths
- Myth: Bankruptcy Means Failure Bankruptcy doesn’t mean you’ve failed; it means you’re taking responsibility for your financial situation and seeking a solution. Many successful individuals, including entrepreneurs and celebrities, have filed for bankruptcy and gone on to thrive.
- Myth: You’ll Lose Everything In reality, bankruptcy laws include exemptions that allow you to keep essential items like your home, car, and personal belongings. The goal is to help you get back on your feet, not strip you of everything. Most people lose nothing.
- Myth: Bankruptcy Destroys Your Credit Forever While bankruptcy does impact your credit score, it’s not permanent. Most people see their credit jump up immediately since it changes the person’s Debt-to-Income Ratio. In fact, clearing your debts through bankruptcy can make you a better credit risk than struggling to make payments you can’t afford.
The Benefits of Bankruptcy
- Immediate Relief: Filing for bankruptcy triggers an automatic stay, which halts collection efforts, wage garnishments, and foreclosure proceedings. This gives you breathing room to sort out your finances.
- Debt Discharge: Bankruptcy can eliminate overwhelming debts, allowing you to focus on rebuilding rather than drowning in payments.
- Financial Reset: It’s a chance to reassess your financial habits, create a budget, and establish a solid foundation for the future.
- Emotional Freedom: Living under the weight of unmanageable debt is exhausting. Bankruptcy can alleviate that stress and provide peace of mind.
Taking the First Step
If you’re considering bankruptcy, the first step is to consult with a qualified bankruptcy attorney. They can explain your options, guide you through the process, and help you make an informed decision. Remember, you don’t have to navigate this alone.
Moving Forward
Bankruptcy isn’t the end of the road; it’s a new beginning. By letting go of unmanageable debt, you’re creating space for growth and stability. While the decision to file for bankruptcy is never easy, it’s often the first step toward a brighter financial future.
So, let go of the fear. Bankruptcy isn’t scary—it’s a tool for reclaiming your life and taking back control. With the right mindset and support, you can move forward stronger and wiser than before.
Chapter 7 and Chapter 13 Bankruptcy: What You Need to Know
When people face overwhelming debt, bankruptcy can offer a fresh financial start. Two common types of bankruptcy available to individuals in the United States are Chapter 7 and Chapter 13. Both serve to help those struggling with debt, but…
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Raleigh, NC Bankruptcy Attorney
Get Your Fresh Financial Start with Bankruptcy In Raleigh, NC
Bankruptcy in Raleigh, NC – Are you struggling with insurmountable debt? Most people’s reactions to their own overwhelming debt are to go to bed, pull the covers over their heads, and not answer their phones. Our Raleigh Bankruptcy Attorney is the answer. At Cameron Bankruptcy Law, we offer personalized bankruptcy services so you can get relief from debt and bring peace of mind back into your life. Through Chapter 7 or Chapter 13 filing, we can help you take back your financial freedom and get back on track to financial success!
Fear of Losing Assets in a Bankruptcy in Raleigh, NC
Bankruptcy Raleigh NC – Filing for Chapter 7 bankruptcy in Raleigh, NC is one of the quickest and most affordable ways to hit the reset button on your finances. It usually takes just about 90 days…
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Legal and Financial Complexity of a Bankruptcy in Raleigh, NC
Bankruptcy Raleigh NC – Filing for bankruptcy can seem complicated, but that’s exactly why you’re choosing to work with one of the top bankruptcy attorneys in the United States!
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Shark-Infested Waters' Guarantees for Bankruptcy in Raleigh, NC
Bankruptcy Raleigh NC – We’re so confident in our service that we offer two money-back guarantees to give you total peace of mind:
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Fear of Lowering Credit Score In a Bankruptcy in Raleigh, NC
Bankruptcy Raleigh NC – The idea that bankruptcy ruins your credit score is mostly a myth, often spread by…
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Social Stigma & Guilt of Bankruptcy in Raleigh, NC
Bankruptcy Raleigh NC – Did you know that Donald Trump has filed for bankruptcy six times? He even calls himself “The King of Debt.” If he can bounce back and become president, just imagine what you can accomplish! Maybe President 2028?
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Impact on Family of a Bankruptcy in Raleigh, NC
Bankruptcy Raleigh NC – None. It will not effect ANYONE’S credit report except the person who filed a bankruptcy in Raleigh, NC.
Top 3% of All Bankruptcy Attorneys Nationwide
Bankruptcy in Raleigh, NC – “This is Kerry. I am excited to announce that bankruptcy attorney Sheree has been awarded by North Carolina Bankruptcy Bar the title of “Board Certified Consumer Bankruptcy Specialist“. It is determined by the respect of her peers and the depth of her bankruptcy knowledge. This high honor is only given to only 3.9% of ALL bankruptcy attorneys!”
How Can We Make Your Life Better with a Bankruptcy in Raleigh, NC?
Judgement-Free
We are family and will treat you like family.
Sheree and I want to provide you with exceptional service in your bankruptcy.
We try to always provide the best service possible, and we guarantee the best service in the industry.
FIND OUT HOW YOU CAN SAVE YOUR HOME IN BANKRUPTCY IN RALEIGH, NC
Bankruptcy Lawyer in Raleigh, NC - Has your house been foreclosed on or are you facing foreclosure proceedings? Let us discuss your options — whether you are thinking of filing bankruptcy or not!
Sheree and Kerry of Raleigh, NC’s Cameron Bankruptcy Law
About the Bankruptcy in Raleigh, NC Sheree & Kerry Cameron
Bankruptcy Lawyer in Raleigh NC: We believe in excellence as both a virtue and a compulsion. We are workaholics, both passionate and personable. We believe success is measured by action, not wealth. We believe in doing the right thing for the right price. We are family and will treat you like family, too. We are Cameron Bankruptcy Law.
We work hard to get you the best outcome for your case.
Bankruptcy Lawyer In Raleigh, NC – We strive to provide you with quality legal representation in your bankruptcy case. Legally, we cannot offer any guaranteed outcome in any bankruptcy case. We do offer a return of attorney’s fees if a case can’t be filed. JFYI, we have never had to do this! If we do not think you can receive a discharge in Chapter 7 or 13 bankruptcy, we will not take your case! Can we be fairer than that?
10 am – 10 pm, 7 days a week – (919) 627-7748
Click here for a free, no-pressure consultation
We are committed to low cost high-quality service
Bankruptcy In Raleigh, NC – Cameron Bankruptcy Law was founded in 2003 by Sheree Cameron and her husband Kerry. When their two-year-old son got diagnosed with autism, they decided to work out of the home office to give more personalized care to their little one. This gives clients the flexibility of being able to meet even after working hours or on weekends!
10 am – 10 pm, 7 days a week – (919) 627-7748
Click here for a free, no-pressure consultation
Bankruptcy in Raleigh, NC
What Makes Us Different
Bankruptcy Lawyer in Raleigh NC – We are family and will treat you like family. Sheree and I want to provide you with exceptional service in your bankruptcy. We try to always provide the best service possible, and we guarantee the best service in the industry.
2 X Guarantees!
You can rest assured that we’ll work hard to get you the best outcome, thanks to our TWO written money-back guarantees.
We STOP Harassing Creditor Calls ASAP!
We inform your creditors that you filed bankruptcy, and we’re not afraid to take it to court if they continue to violate the automatic stay!
Kerry Will Help You Get a 720+ Credit Score.
After the bankruptcy, Kerry can help you raise your credit score to 720+! Call us today to find out how.
Get The Bankruptcy Off Your Credit Report. (click here)
At Cameron Bankruptcy Law, you’re not just a case to us. We can help you fix bad credit and get bankruptcy off credit reports.
Choose From Our Easy Bankruptcy Payment Plans. (click here)
We offer affordable payment plans, so you can focus on your bankruptcy case instead of worrying about bankruptcy costs.
Flexible Appointments / Easy Payment Plans
We offer flexible appointment schedules – 10 am to 10 pm 7 days-a-week!, We also offer easy bankruptcy payment plans! Why would you not want to use us?
Raleigh, NC Bankruptcy Lawyers
Meet the Camerons
Bankruptcy Lawyer In Raleigh, NC – Husband-and-wife, Sheree grew up in rural Tennessee and Kerry grew up in rural Alaska. They now serve families and individuals from Raleigh and all of Eastern and Middle NC. They have an “A+” BBB® rating and the best Google Testimonials in North Carolina! Here is their “About Us” page.
North Carolina Bankruptcy Lawyer
Bankruptcy In Raleigh, NC – Sheree is a Board Certified Consumer Bankruptcy Specialist In Bankruptcy Raleigh, NC. Sheree has over 20+ years of experience as a debtor bankruptcy lawyer in Raleigh, NC.
Paralegal
Kerry is the paralegal with 20+ years of experience at Cameron Bankruptcy Law. He takes care of everything from handling phone calls, answering general questions, organizing the office, marketing, and managing our website.
Free Bankruptcy Book
Surviving Debt:
A Guide to Bankruptcy
Bankruptcy in Raleigh, NC – Struggling with your finances and don’t know where to begin? Read this book to understand the options available to you!
Raleigh bankruptcy attorney Sheree Cameron wrote this guide to bankruptcy to help you survive your debts in Eastern Carolina.
If you just stumbled upon our website, you probably don’t know us from Adam.
Bankruptcy in Raleigh, NC – We want you to feel secure with Sheree as your attorney in your Chapter 7 bankruptcy or Chapter 13 bankruptcy in Raleigh, NC and throughout NC. Sheree is a Board Certified Consumer Bankruptcy Specialist. We have an “A+” BBB® rating. Sheree has 20+ years of experience as a debtor bankruptcy lawyer in NC. We have the best Google Testimonials (click here) in North Carolina! And not least, our two money-back GUARANTEES!
Bankruptcy Lawyer in Raleigh, NC – Legally we cannot offer any guaranteed outcome in any bankruptcy case. We do offer a return of attorney’s fees if a case cannot be filed. JFYI, we have never had to do this!
If we do not think you can receive a discharge in Chapter 7 or 13 bankruptcy, we will not take your case! Can we be fairer than that?