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Christopher C. Carr

Chapter 7 bankruptcy Attorney at Downingtown, PA

5.0   27 reviews

also known as Christopher Constantine Carr

  • State Years
    Pennsylvania - PA 37 years
    Ohio - OH 42 years
  • Licensed for 37 years
    State PA
    Acquired 1986
    Active No misconduct found
  • Licensed for 42 years
    State OH
    Acquired 1981
    Inactive No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Christopher

Learn Christopher’s areas of practice.

Practice areas
  1. Chapter 7 bankruptcy
    Specialist in "difficult" Chapter 7s for higher asset debtors and couples. Also experienced in use of tenancy by the entireties to shield joint property including homes in bankruptcy.Also frequently use mortgage mods (HAMPs) We save homes.

    15 years

  2. Chapter 13 bankruptcy
    Expertise in using mortgage mods (HAMPs) and mediation where available in conjunction with Ch 13 to protect homes where owner is far behind in payment and is facing foreclosure. We save homes.

    15 years

  3. Debt collection

  4. Foreclosure
    My area of expertise is in defending cases where the lender does not possess a properly negotiated promissory note and on other often highly technical grounds. Mortgage modifications have been a significant part of the practice since 2008.

    14 years

  5. Debt settlement
    Have settled single debts up to $300,000 and multiple credit card and IRS debts totaling up to $200,000- for clients who wish to avoid or who have exited bankruptcy.

    13 years

  6. Intellectual property
    Sophisticated software licensing, support and enhancement agreements for banks and other business, Internet and entertainment work, non disclosure, non compete., trademark, copyright and trade secrets.

    38 years

  7. Lemon law
    Also deceptive practices and consumer protection by used and new car dealers/.

    8 years

Mr. Carr is an experienced Chester County (PA) bankruptcy and debt relief attorney, specializing in STUDENT LOAN LAW, Chapter 7 bankruptcy; Chapter 13 bankruptcy; mortgage modification & HAMP; debt settlement; foreclosure defense; and debtor’s rights, all done with compassion for the plight of the individual debtor and family faced with debt problems. {SEE CLIENT REFERENCES AND INFO AT (my web site) or (my blog site)}. He has practiced in Pennsylvania in various aspects of business, IP and consumer law for over 30 years.

Aiding him in his analytically oriented bankruptcy practice, Mr. Carr also holds an MBA (in Finance) and is a member of Beta Gamma Sigma, the national honor society for outstanding business graduates, with several years of business experience as a financial planning analyst and government contracts officer in his early career with the NCR Corporation for which he received the NCR "Outstanding Performer" award; as an insurance adjuster and in bank data processing.

Because bankruptcy calls for a comprehensive understanding of the law in almost every other practice area, Mr. Carr's extremely diverse legal experience set also is essential to his practice:  his legal specialties are consumer bankruptcy: Ch. 7 & 13; debt settlement: specializing in the settlement of large single obligations; foreclosure prevention; real estate; business law, including "business divorces" & sophisticated contract drafting; entertainment law, representing performing artists & screen writers; IT/IP work, including the preparation and negotiation of complex international and US banking software licensing agreements, support and software enhancement agreements; and Internet/E-Commerce law. He has also worked extensively in the field of health care and pharmaceutical contract and relationship formation.  He has been dealing with banks and lenders over the majority of his career.


Mr. Carr is a graduate of Ripon College (B.A. degree, Philosophy, Magna Cum Laude, recipient of Ripon's Philosophy Prize and Honors Philosophy Comprehensive Exam);  and a Buckeye, a graduate of both The Ohio State University -The Max M. Fisher College of Business (M.B.A. (Finance) with honors) and  The Ohio State University Moritz College of Law (J.D. degree); and of the Pennsylvania State University-Great Valley Graduate Center, (CERT/MIS, Post MBA Certificate in the Management of Information Systems). He is a proud recipient of the coveted PHI BETA KAPPA key.


 Mr Carr also regards the answering of legal questions here at the AVVO site as a very fulfilling part of his practice wherein he has a chance to "pay it forward".

Contact Christopher

Law Offices of Christopher C. Carr, MBA, P.C.
CALL For Directions
Downingtown, PA, 19335


5.0 / 5.0
  27 customer reviews
5 Star
4 Star
3 Star
2 Star
1 Star
Posted by Bill | September 23, 2022
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Avvo information provider
Excellent answers lots of empathy and attention as well as attention to detail and genuinely interested and caring, If you need a lawyer he is the kind of lawyer you want. No nonsense no bs doesn't talk down to you or trivialize your problem. Excellent advice,
Response from Christopher Carr October 3, 2022
Thanks Bill. I do try to explain the complex simply. I am somewhat unusual true as I am really a compassionate lawyer. I should have gone into medicine but my dad, an MD who advised other young MD's, advised me not to.
Posted by Peter | December 9, 2021
This review is from a person who hired this attorney.
| Hired Attorney
Christopher C. Carr is an Excellent lawyer with a great personal touch!
I have enlisted the services of Esquire Christopher Carr on multiple occasions. Every time Chris has been very efficient and successfully completed the tasks. Chris takes the extra time to communicate and collaborate with me making sure I am satisfied with his work. One example is that I had an offer from an agency to purchase my timeshare that I no longer wanted. The offer was presented very professionally and appeared to legitimate. Chris and I collaborated together on investigating the agency. Chris spent considerable time and research and was able to determine that the agency was not legitimate and was an elaborate scam. This saved me a lot of time, money, and frustration had I done this alone. Another example of Chris's expertise was getting all my and my fiancee's wills and power of attorney documents completed in a timely fashion. Most recently Chris assisted me in getting my Property Tax re-assessment completed. I highly recommend enlisting Chris for a wide variety of legal matters.
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Posted by Glenn | December 22, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Very Effective
I recently had a law firm representing an organization that was attempting to collect over $6000 for me. Its a long story but I felt I was being taken advantage of and that these charges where unfair. Mr Carr reviewed the contract, the details of the situation and agreed. He crafted a legal defense on my behalf. The opposing legal firm withdrew their case. Well done and thank you for maintaining justice!
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Posted by Patricia | July 31, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Excellent guide and advocate!
I highly recommend Chris to anyone in need of advice or help in resolving their financial issues. He is a calm and knowledgeable voice in what can be a stressfully turbulent sea. His positivity and professionalism along with his deep knowledge and clear delivery of the detailed steps of the process allowed me to proceed with confidence. Chris keeps me informed of what has been done and what is coming. I never feel out of the loop. Excellent guide and advocate!
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Posted by Gary | January 11, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Amazing attorney
He took what was a very tough case and stood his ground and what the courts wanted to make a chapter 13 turned to a successful chapter 7. Can’t say enough about his tenacity and general compassion in this trying time. He can take a very difficult life experience and get you the best possible result!
Posted by Transition Consulting (Clarence Carter) | July 23, 2018
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Brilliant and always focused
Mr. Carr focused on a debt issue that one of my clients had. He answered a response, and he was concise. He’s a very brilliant lawyer and understands all types of debt, collection, and bankruptcy issues, not to mention a plethora of other legal matters. I really respect him and would recommend his services to anyone seeking top-notch legal services. He’s very skilled, meticulous, honest, and fair to his clients and associates.
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Posted by Matt | March 1, 2018
This review is from a person who hired this attorney.
| Hired Attorney
A cure to the stress
I spoke with Mr. Carr on 2 different occasions, he took the time to discuss my financial dilemmas and Mr. Carr put me at ease and started thinking of ways to put an end once and for all to the stress that's evolved around my situation. I look forward to our meeting this month and I highly recommend Mr. Carr.
Posted by Robert thomas | June 3, 2017
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Very helpful
Chris has been amazing and has detailed everything for us. Couldn't be more thankful.
Response from Christopher Carr July 1, 2017
Posted by anonymous | February 26, 2017
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Very informative
I consulted with Christopher about a vehicle I sold and the buyer tried getting pulling a quick one over on me. I felt I knew the law and my rights but just wanted to double check. Christopher reassured me and gave helpful information.
Posted by anonymous | December 10, 2016
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Very Informative!
Very informative and seems caring. He was very helpful in providing us information for a Chap 7 bankruptcy.
Posted by Mike G | November 7, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Fresh Start
Mr. Carr is very knowledgeable and understanding, especially in my case. His knowledge and expertise in his field is second to none. He provided me with the fresh start I needed to move on to bright financial future, thanks again Chris!
Posted by "Deacon" | October 25, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Facing Foreclosure
Attorney Carr took our foreclosure case after we were misrepresented by another attorney and were facing imminent foreclosure on our home. Attorney Carr quickly and efficiently consulted opposing counsel and was able to not only prevent foreclosure, but secure a mortgage modification on our behalf. We HIGHLY RECOMMEND ATTORNEY CARR AND THE SERVICES HIS FIRM CAN PROVIDE.
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Posted by Eric | October 17, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Professional with a Care for the Client
I have found working with Chris to be an excellent experience. I called on him to assist me with a complex matter and he proved to be more than able to provide me with the guidance and legal help I needed. He was very professional and knowledgeable and was able to provide me and my family with the kind of quality service that was far above and beyond my expectations. Chris is not just an excellent attorney but someone who'll "go to bat" for his clients and I would not hesitate to call on him again.
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Posted by Liz | September 20, 2016
This review is from a person who hired this attorney.
| Hired Attorney
A caring, passionate, dedicated, knowledgeable and excellent attorney to have represent me with my case... Excellent service from start to finish. Always keep you updated with progress of the case. Five stars for Mr. Carr.
Posted by Neil | July 8, 2016
This review is from a person who hired this attorney.
| Hired Attorney
The BEST of the BEST
Chris treated me like a family member . I've dealt with other lawyer and let me tell you it was the best experance i every had with a lawyer.. He saved the day and now i can move on with my life and get back on track to make my life a whole lot better The best part was the bill I got twice the service then my past layer for HALF the price I would give him 10 stars if you would let me
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Posted by Laye | April 1, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Welcoming, knowledgeable and professional
I recently hired Mr. Carr after my father passed away. He compassionately welcomed me into his office and his sound counsel was very much what I needed to hear at the moment. Not only did he know the laws and procedures like the back of his hand, he also did on the spot research to properly explain legal terms to me in a way that was easy to understand. He pulled out all of the stops to make sure I knew everything I needed to know about the legal processes that ensued. It felt very empowering to work with him in this way. He also was great about keeping the creditors at bay while I figured out all of the estate logistics. I would highly recommend his services, as he is knowledgeable, professional and runs an excellent practice.
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Posted by Lee | December 8, 2015
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Experienced, thoughtful insightful and creative!
I have consulted with attorney Chris Carr over the years on a number of financial and personal matters that required an expert legal opinion. I have found Chris Carr to be highly professional, attentive, responsive and insightful and he is someone that I trust. His advice has always been on target and selfless. He demonstrarted, time after time, that he was putting my interests first and foremost. I would endorse him unequivocally.
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Posted by anonymous | November 1, 2015
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Kind and helpful
Mr. Carr was very kind and helpful to me, and went out of his way to make himself available when I needed some quick advice from an attorney, He even went as far as being available Sat. morning! Most firms won't offer an ounce of advice until you come in for an appointment, yet Mr. Carr was generous enough to help me determine whether I truly needed his services or not. He didn't waste my time and even though I ended up not needing his services, I am thankful that he was willing to help when I needed it.
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Posted by BMM | February 15, 2015
Renaissance Attorney in Surburban Philadelphia
As a former neighbor, I've known attorney Carr for well over 20 years now and have reached out to him for legal advice and help on matters ranging from unemployment and divorce, to foreclosure prevention and employment contracts. He has always been willing and able to help. I've also never know him to forgo a case on the basis of strict fee or monetary reasons.
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Posted by anonymous | November 9, 2014
Elderly parent's debt advice
My elderly father racked up large amounts of debt (reverse mortgage foreclosure, credit cards, property taxes, utilities). He was secretive and would not let others help him in any substantive way. Things just had to run their course. When my father's health finally worsened, I was able to step in. Attorney Carr explained my options for dealing with the debt and patiently answered all my questions. He was very helpful and knowledgeable. Having advice from an experienced attorney (rather than researching the laws completely on my own) has eased my mind considerably.
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  • Retainer Sometimes
Payment methods
Cash, Check, Credit Card


AVVO RATING 9.2 (Superb)

Work Experience

  • Solo Bankruptcy & Debt Practitioner
  • Law Offices of Christopher C. Carr, MBA, P.C.
  • 1998 - Present
  • Contract Officer
  • Siemens, previously Shared Medical Systems Corporation
  • 1997 - 1998
  • Corporate Counsel & Secretary
  • FIS/Sanchez Computer Associates. Inc.
  • 1989 - 1997
  • Senior Associate-Business Dept.
  • Rubin, Quinn & Moss
  • 1986 - 1989
  • Associate - Business Dept.
  • Pechner, Dorfman, Wolffe, Rounick & Cabot
  • 1985 - 1986
  • Staff Attorney
  • National Property Analysts, Inc. (Real Est. Development)
  • 1985 - 1985
  • Staff Attorney
  • Jacobs, Visconsi & Jacobs (Real Est. Development, Cleveland, OH)
  • 1984 - 1984
  • Financial Analyst III and Govt. Contracts Officer
  • NCR Corporation
  • 1981 - 1984
  • Computer Systems Manager
  • BayBanks-Harvard Trust Co.
  • 1975 - 1976
  • Zamboni (Ice Resurfacer) Driver
  • Needham (MA) YMCA Ice Rink
  • 1974 - 1975
  • Property & Casualty Insurance Adjuster
  • General Adjusment Bureau, Inc. (Boston)
  • 1973 - 1974
View all work experience


  • Pennsylvania State University
  • CERT/MIS (Certificate in Mgmt. of Information Science)
  • 2000
  • Ohio State University, Columbus
  • JD/MBA - Juris Doctorate and MBA
  • 1980
  • Ohio State University Moritz College of Law
  • JD/MBA - Juris Doctorate and MBA
  • 1980
  • Ripon College
  • BA - Bachelor of Arts
  • 1973
View all education

Legal Cases

  • Marc M Elicier and Allison L Elicier Case Number: 19-15441-amc
  • Ch, 13 Payment Plan Confirmed
  • Dr. Charles A. Gartland EDPA # 1212773-BIF
  • Ch 7 Discharge Granted
  • Joseph J Patro and Patricia A Patro EDPA #13-10893-elf
  • Chapter 13 Plan Confirmed
View all legal cases


  • National Consumer Law Center
  • Mortgage Training Conference
  • 2021 - Present
  • Student Loan Worklshop
  • Student Loan Professional
  • 2018 - Present
  • American Bar Association
  • 2016 - Present
  • Federal Bankruptcy Court for the Middle District of PA
  • Admitted to Practice
  • 2015 - Present
  • National Association of Consumer Bankruptcy Attorneys
  • Attorney Member
  • 2012 - Present
  • Federal Bankruptcy Court for the Eastern District of PA
  • Admitted to Practice
  • 1986 - Present
View all associations

Languages Spoken

  • English

Honors and Awards

  • Student Loan Professional
  • Student Loan Law Workshop
  • 2020
  • Nominated for inclusion in Elite Lawyers
  • The Elite Lawyers of America Organization
  • 2020
  • Nominated for inclusion in Lawyers of Distinction
  • Lawyer of Distinction
  • 2020
  • Who's Who in American Law
  • Marquis Who's Who in American Law
  • 2016
  • Who's Who in American Law
  • Marquis Who's Who in American Law
  • 2003
  • Who's Who in American Law
  • Marquis Who's Who in American Law
  • 2001
  • Outstanding Performer Award
  • NCR Corporation
  • 1984
  • Elected to Membership in Beta Gamma Sigma
  • Beta Gamma Sigma Society
  • 1980
  • Elected to Membership in Phi Beta Kapa
  • Phi Beta Kappa Society-Ripon College Chapter
  • 1973
  • Donald Bruening Philosophy Prize
  • Ripon College
  • 1973
  • Magna Cum Laude
  • Ripon College
  • 1973
View all awards


Speaking Engagements

  • Clearing Title to Distressed Real Estate
  • Solving Bankruptcy-Related Title Problems
  • 2012

Attorney endorsements

Received (13)
Given (7)
Endorse Christopher
Chapter 13 bankruptcy Attorney | May 13
Relationship: Fellow lawyer in community
"I endorse this lawyer. Mr. Carr is a brilliant and highly skilled lawyer who fully understands the myriad of issues associated with all types of bankruptcy, debt, collection etc. work.. He is especially adept at understanding complex personal and commercial issues surrounding these areas of the law. He is very skilled, diligent, honest and fair to his fellow attorneys and to clients."
Chapter 13 bankruptcy Attorney | Jun 26
Relationship: Other
"I endorse this lawyer. His answers and responses are concise, well reasoned, on point, and practical directions to the persons asking the questions."
General practice Attorney | May 11
Relationship: Opposing Counsel on matter
"I endorse this lawyer."
Foreclosure Attorney | Mar 03
Relationship: Fellow lawyer in community
"I endorse this lawyer. Mr. Carr is a very knowledgeable and effective advocate for his clients."
Chapter 13 bankruptcy Attorney | Sep 18
Relationship: Fellow lawyer in community
"Chris is an excellent lawyer. I endorse this lawyer."
Chapter 13 bankruptcy Attorney | Aug 23
Relationship: Fellow lawyer in community
"I met Mr. Carr when we were on a panel for a continuing education class. Mr. Carr's presentation was impressive, and his knowledge of bankruptcy law was staggering. I highly endorse Mr. Carr for anyone in need of legal assistance managing debts."
Chapter 7 bankruptcy Attorney | Oct 19
Relationship: Fellow lawyer in community
"I endorse Attorney Carr. He is a personable and straight-forward attorney, advocating effectively on behalf of his clients."
Bankruptcy and debt Attorney | May 10
Relationship: Fellow lawyer in community
"I endorse Christopher Carr as a highly experienced and effective attorney. As reflected in his answers on this forum, he clearly has a deep understanding of bankruptcy and debtor/creditor law."
Chapter 13 bankruptcy Attorney | Feb 03
Relationship: Fellow lawyer in community
"I endorse this lawyer. Chris is a true advocate for his clients and an asset to the legal community."
Unknown Attorney | Jan 19
Relationship: Fellow lawyer in community
"Top-notch attorney. Highly respected in the legal community."
Chapter 7 bankruptcy Attorney | Jan 17
Relationship: Fellow lawyer in community
"I endorse this lawyer. Mr. Carr focuses on debtor/creditor issues and many other areas. He is a frequent contributor here on AVVO and knows his stuff."
Chapter 13 bankruptcy Attorney | Aug 24
Relationship: Fellow lawyer in community
"I endorse this lawyer for any bankruptcy or debt collection work. His background is superb and his social media presence is quite impressive. His knowledge and ability to meander around the areas of the law he knows best will give anyone a great opportunity and aid in performing the joy of helping a client."
Bankruptcy and debt Attorney | Jul 30
Relationship: Worked together on matter
"I endorse this lawyer. He is a great reference for bankruptcy work for consumers in eastern Pennsylvania."
View more endorsements
Real estate
Real estate
Contracts and agreements
Bankruptcy and debt
Bankruptcy and debt