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About me

We assist individuals, families, and small business owners who are struggling to manage debts and finances, as well as individual and business creditors who need assistance collecting what is owed to them.  


There is no one-size-fits-all solution to debt and credit problems.  I have handled well over 250 cases in the bankruptcy courts, so we have seen just about everything and can minimize surprises and find solutions.  We listen to and collaborate with our clients, helping them understand their circumstances, evaluate their options, and determine and carry out the least expensive and most practical resolution to their financial issues. 


A significant percentage of our clients are high-income, professional, or self-employed individuals, because we understand the complexities in these circumstances.  However, we represent and advise people in all walks of life. 


Fellow attorneys, current and former clients, tax and accounting professionals, financial planners, enrolled agents, and other financial professionals regularly refer clients to us.  Likewise, when appropriate, we consult with financial professionals in order to better assist our clients.


We are particularly well known in the bankruptcy courts of the Western District of North Carolina (which includes Charlotte and Mecklenburg County, and several surrounding counties) and also handle debtor/creditor disputes in North Carolina state and federal courts.


Call us at 704/377-4300 to learn more, or to schedule a consultation.  

We are a debt relief agency helping people file for bankruptcy relief under the United States Bankruptcy Code.


Practice areas


  1. Chapter 13 Bankruptcy: 30%
  2. Chapter 7 Bankruptcy: 30%
  3. Litigation: 20%
  4. Bankruptcy & Debt: 20%

Attorney endorsements

4 total 

Are you an attorney? Endorse this lawyer

  • Kathleen Cunningham Clary

    Heather Culp is more than just a lawyer ~ she approaches clients' cases holistically understanding that their legal issues impact other facets of their lives. Heather has a vast network of resources to which she takes the time to connect her clients. Heather Culp is unmatched in her ability to manage her clients' legal issues, but unlike others, she truly contributes to restoring their futures. I would not refer my clients seeking bankruptcy representation to any other lawyer.


    Kathleen Clary Criminal Defense Attorney
    Relationship: Fellow lawyer in community

  • Mariana Toledo-Hermina

    I endorse this lawyer. I have known and worked with Heather for the past two years. Heather is an extraordinary attorney. Her knowledge of bankruptcy law and her ethics are amazing. Nor only that, but Heather makes herself available to teach others and mentor younger attorneys demonstrating her commitment to the bar community, and to ethical and zealous advocacy.


    Mariana Toledo-Hermina Immigration Attorney
    Relationship: Fellow lawyer in community

Contact info

Essex Richards

1701 South Boulevard
Charlotte, NC, 28203


KYAuthorized to practice law199702/27/2014
We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
"Super Lawyer" in Consumer BankruptcySuper Lawyers2016
"Super Lawyer" in Consumer BankruptcyNorth Carolina SuperLawyers2015
"Legal Elite" in BankruptcyBusiness North Carolina2015
"Legal Elite" in BankruptcyBusiness North Carolina2014
AV-rated peer review ratedLexisNexis Martindale-Hubbell2013
"Legal Elite" in BankruptcyBusiness North Carolina2013
"Rising Star" in Bankruptcy & Debtor/Creditor RelationsNorth Carolina Super Lawyers2013
"Rising Star" in Bankruptcy & Debtor/Creditor RelationsNorth Carolina Super Lawyers2012
"Legal Elite" in BankruptcyBusiness North Carolina2012
"Legal Elite" in BankruptcyBusiness North Carolina2011
"Rising Star" in Bankruptcy & Debtor/Creditor RelationsNorth Carolina Super Lawyers2011
Work experience
TitleCompany nameDuration
AttorneyEssex Richards2014 - Present
AttorneyRawls, Scheer, Foster, Mingo & Culp, PLLC2012 - 2014
Attorney and Managing PartnerMitchell & Culp, PLLC2006 - 2012
Associate attorneyMitchell, Rallings & Tissue, PLLC2002 - 2006
Association namePosition nameDuration
Mecklenburg County BarVice President2015 - 2016
North Carolina Bar AssociationBoard of Governors2015 - Present
North Carolina Bar AssociationMember, Planning Committee - Annual Bankruptcy Institute2014 - Present
North Carolina Bar Association FoundationCo-Managing Editor, Bankruptcy Practice Manual2012 - 2012
North Carolina Bar AssociationBankruptcy Section Council2010 - 2013
Publication nameTitleDate
North Carolina Bar Foundation's Bankruptcy Practice Manual (7th ed.)Co-Managing Editor2012
North Carolina Bar Foundation Bankruptcy Practice Manual (8th ed.), 2017Co-Managing EditorN/A
School nameMajorDegreeGraduated
University of Kentucky College of LawLawJD1997
Miami University (OH)English LiteratureBA - Bachelor of Arts1994
Speaking engagements
Conference nameTitleDate
Charlotte Financial Planners' Association January 2015 programWhat Financial Planners Need to Know About Bankruptcy2015
Bankruptcy Law v. Family Law: Who Wins?Co-speaker and co-planner, on the interplay of bankruptcy law and family law2014
W.D.N.C. Bankruptcy Seminar 2013Revised Local Bankruptcy Rules2013
Ongoing workshops (2012-present)Managing Through Financial Crisis2012
Lunch & LearnWhat Family Law Attorneys Need to Know about Short Sales and Foreclosures2012
Continuing Legal EducationBankruptcy 101: What Every Lawyer Needs to Know About Bankruptcy2010