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Home/Attorneys/Ward and Smith, P.A.
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- Attorneys in Wilmington, | CGMIMM

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127 Racine Drive, Wilmington, NC, 28403

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127 Racine Drive
Wilmington, NC 28403
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Past results do not guarantee future outcomes. Communications do not establish an attorney-client relationship.

📚 Related legal guides

Background reading on the practice areas this attorney handles.

bankruptcy
Wage Garnishment Defense in North Carolina
North Carolina wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
bankruptcy
Debt-Collection Defense in North Carolina
North Carolina consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
bankruptcy
Student-Loan Discharge in Bankruptcy in North Carolina
North Carolina student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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