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Kristen Scott Nardone

Bankruptcy and debt Attorney at Concord, NC

5.0   37 reviews

also known as Nardone Law, PLLC

  • Licensed for 22 years
    State NC
    Acquired 2001
    Active No misconduct found

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

About Kristen

Learn Kristen’s areas of practice.

Practice areas
  1. Bankruptcy and debt
    Chapter 7, 13, 11, and 12; debt negotiation, stop foreclosure, get rid of credit card debt, save your home Find financial freedom

  2. Estate planning

  3. Litigation


  I've been a bankruptcy attorney for 18 years.  

  I clerked for two United States Bankruptcy Judges and am a Board Certified Specialist in Consumer Bankrupty Law by the North Carolina State Bar.  I am the only Board Certified bankruptcy specialist in Cabarrus or Rowan County.

  During my career, I have published articles on bankruptcy topics in national publications and authored a chapter in the North Carolina Bankruptcy Practice Manual.  I have also spoken at Continuing Legal Education seminars on bankruptcy related issues.

  I am the mother of twin eleven-year-old daughters.

  In my free time, I enjoy yoga, Pilates, and reading.  


Client's Choice 2017,2015,2013
Client's Choice
2017 2015 2013


Nardone Law, PLLC


5.0 / 5.0
  37 customer reviews
5 Star
4 Star
3 Star
2 Star
1 Star
Client's Choice 2017
Client's Choice
Client's Choice is an Avvo award granted to attorneys with a significant number of client reviews over 4 stars in a given year.
Posted by Deborah | March 12, 2015
Excellent in a trying time.
She has helped consistently throughout 4 years of our 5 year case. I have no doubt she will continue to be of assistance throughout the last one as well.
Posted by Alfred | March 11, 2015
Sliver Lining
When someone engages the services of Kristen they are in the worst place imaginable, their life has just taken a devastating turn for the worst. She is not only a knowledgeable attorney but also compassionate and provides a ray of hope that your life will get better. She always addresses any questions or issues in plain English not Legalese so that you know where you are and what is the next step. If you are in such a crisis I would not hesitate to recommend her as your attorney. She is surrounded by a dedicated and kind staff! Thank you all, in a few months the process will be finished for me and I can start afresh.
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Posted by Brittany | July 6, 2023
This review is from a person who hired this attorney.
| Hired Attorney
Highly skilled, Extremely Competent
I hired Kristen after hearing about her excellent reputation for several years in professional circles. I have been nothing short of extremely satisfied with her work. There were a couple of hiccups in the process when creditors failed to meet their discharge obligations, and Kristen was swift and proactive in getting them to comply. She went so far as to file a Motion to Comply on a state agency that would not release the obligation, and she was able to obtain a sizeable settlement from the agency for their behavior. Due to her excellent work on the original bankruptcy, I hired her for the additional matter of seeking a discharge of my student loan debt. I don't know how that will ultimately turn out, but I felt well-advised and confident knowing that she would work to obtain the best possible result. As a side note, her paralegal Jessica is an absolute joy to work with and makes the process feel as simple and streamlined as possible. I would recommend Kristen and Nardone Law without qualification or hesitation.
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Posted by Heather | March 8, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Extremely helpful, highly recommend
My case has been quite complex and full of twists, turns, and changes. However, Kristen was there every step of the way. She always took her time to explain things when I had questions or didn't quite fully understand certain aspects. I would have been lost in this process without her advice and guidance. I highly recommend Kristen as she has far exceeded my expectations.
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Posted by Tamalyn | March 6, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Excellence and detail oriented
I have been thoroughly stressed for over seven years to find the right person to understand what to do with my past bankruptcy that was incorrectly administered. Once I met Mrs. Nardone and saw the research she did in a short amount of time, I felt confident and reassured she would be the one to help me. My case was discharge and I can finally get sleep and begin the rebuilding process! She is an absolute professional and very talented at what she does.
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Posted by John | November 6, 2018
This review is from a person who hired this attorney.
| Hired Attorney
So Knowledgeable and So Committed!
When we first came to Kristen's office for professional advice concerning our financial situation, we were a little nervous and did not know what to expect. We were being sued by a credit card company and didn't know what to do about it. We provided Kristen with all of the information she requested concerning our financial hardships, and without hesitation and with full assurance, she had an answer and a plan of action for us to take. She was so knowledgeable and confident about the plan she recommended for us, therefore our anxieties were eased, and we too became certain that everything was going to work together for our good, and we were right. Initially, there was a plan and effort to file a Chapter 7 bankruptcy, but we learned of some information that negatively effected the Chapter 7 and made a Chapter 13 more appropriate for us. This meant that Kristen had to make adjustments and invest more time in our case, and this is where she proved to be so resilient and committed to our best interest. Her communication was always prompt and thorough throughout the whole process. As the Chapter 13 moved forward, there was a lot of resistance from one of the creditors; they filed numerous objections against our filing of the Chapter 13, including where we filed it. Once again, we became a little nervous, but Kristen always spoke with such confidence and poise about overcoming this adversity, and she assured us that everything was going to work in our favor. Kristen's legal response to the objections was so knowledgeable and complete; it was amazing. We could tell she put a lot of time and effort into fighting for us and upholding the truth, of which we are so grateful. Kristen won for us over and over again. She made my first time ever appearing in court pleasant and something I could appreciate as she demonstrated great professionalism and savvy. I can't say enough about Kristen's hard work and commitment to us! We are and always will be so grateful, and we can truly say we are better now than we were when we first visited her office. Thank you so much, Kristen, for all you have done for us, and God bless you always.
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Posted by anonymous | January 24, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Kristen Nardone is the attorney you want and need
Kristen Nardone is the attorney you want when the need arises. After multiple years of very unfortunate happenings that caused havoc in our life, we sought legal help from Kristen. It was hard for us to take even the first step of making the appointment, but during that first appointment and subsequent ones, she never drew unkind assumptions, nor passed judgment. She demonstrated both professionalism and kindness. On several occasions, I have emailed her with questions or requests. She has always responded to me in a very short amount of time with answers or has quickly gotten to work on a resolution for me. In the past, I had worked for multiple attorneys, so I feel qualified to say that I would very highly recommend Kristen Nardone. Additionally, she has wonderful, helpful staff members, which is important.
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Posted by Christie | September 25, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Great bankruptcy lawyer
Kristen Nardone was great in working with us through our bankruptcy case. What started off as what I assume a normal case, ended up with many twists and turns due to our ever changing situation. Ms. Nardone was there every step of the way through our case to advise us on the best solution for our situation. She was knowledgeable and professional through the bankruptcy proceedings, yet she remained down to earth and personable, which eased some of the stress of having to go through the bankruptcy.
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Posted by anonymous | September 19, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Kristen Nardone, attorney
We hired Kristen to help us through a personal bankruptcy. Kristen is definitely knowledgable on the law of bankruptcy. She was professional and compassionate at the same time. She personally answered all our emails in more than a reasonable amount of time (and there were many). This has been one of the most stressful times in our lifes but Kristen always made us feel better. We definitely do not hesitate to recommend her for bankruptcy needs.
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Posted by Patty Boggs Fantetti | August 4, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Bankruptcy? Us?
We never thought we would ever file bankruptcy. We both worked and we were responsible bill payers. But, then my husband got hurt and filed for Social Security. (the horror stories about that are true) No big deal, I was still working and then I lost my job and got hurt working a part time job and had to have surgery. We had no choice. I didn't want to lose my home. We met with Ms. Nardone and I was amazed. She understood. And even though she has heard the same story with most of her clients, she was still so compassionate. She understood the emotion. She represented us amazingly at the creditors meeting. She answered every question. (and Lord knows I had so many of them) She was always available. We did Chapter 13 and got a 5 year plan. That was 2 years ago. Know what? She is STILL available, STILL answers every question, STILL represents us with our case and a couple other issues that have arisen out of bankruptcy with my mortgage carrier. Thankfully - we are back on track. I know alot of lawyers because I work in the law field, I wish she did other areas of law because she would be my "go to" for sure. She is sharp as a tack! If you are facing bankruptcy, you want Kristen -
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Posted by anonymous | June 15, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Compassionate, Highly skilled attorney
Unfortunately, my husband and I had to file for Chapter 13 bankruptcy due to a job loss and we were referred by another attorney to Kristen Nardone. Kristen not only met our expectations but she exceeded our expectations in handling our case. Kristen represented us well at the Creditor's meeting and from the very beginning she informed us of what to expect. Kristen is compassionate, caring and a highly skilled attorney - she knows her stuff!! She treated my husband and I with respect and dignity and was easily accessible when we reached out to her. I would highly recommend Mrs. Nardone with any debt/bankruptcy needs.
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Posted by JOE | April 27, 2017
This review is from a person who hired this attorney.
| Hired Attorney
We have asked for help and really got it from Kristen Nardone. After meeting just one time we knew that Kristen was the lawyer we wanted to represent us in this challenge. She was most helpful in constructing a game plan and case for us and has extreme knowledge about the law that would protect our assets and pay our debts.
Posted by Michael | March 2, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Kristen helped my wife and I save our home when we had no other options because the bank would not work with us. We struggled for a few years before we decided to see Kristen. I wish we would have seen her earlier. I would highly recommend her for any of your bankruptcy needs.
Posted by anonymous | February 14, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Reliable and Patient
Going through the process of bankruptcy is very stressful and I had many questions throughout. Kristen was extremely patient with my many questions and answered them in a timely manner. I had access to her easily through email. From the beginning with our first consult, I felt very comfortable with her. She is very knowledgeable of the law and always went above and beyond what we expected. Fighting for our cause and not just giving in and taking the easy route. She has definitely helped us and I would recommend her.
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Posted by Vincent | September 16, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Excellent, Highly skilled Attorney
Kristen is a highly skilled attorney who is very easy to work with. She took a last minute chapter13 case I tried to handle without a lawyer. She was able to turn a very unsuccessful case into a success. She was very thorough with her questions. When we appeared before the trustee she was prepared and professional which allowed our hearing to go quickly and smoothly. But most of all she treated my wife and I with respect and understanding.
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Posted by Jean | May 17, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Takes Care of Business
We have used Kristen and her staff for family court and financial issues. Kristen gets the job done and follows through on everything from normal issues to unexpected issues. We highly recommend her.
Posted by anonymous | December 17, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Excellent Representation and Counsel
Kristen represented me in a difficult case with me as a Creditor in a bankruptcy proceeding. She demonstrated not only a sense of compassion, but of an excellent understanding of bankruptcy law. The case was resolved in a manner exceeding my expectations, thanks to her expertise and presentation. She is a true asset to the legal profession, and has my highest recommendation.
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Posted by Jeff | November 6, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Great Job, Fights Tough!
Kristen has done an excellent job managing my bankruptcy case! My case has been a complex and challenging one, but Kristen has pressed onward, determined to get things to work out favorably. For this I am very pleased and thankful! I highly recommend her and her firm, Davis
Posted by Sharon | November 5, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Excellent representation
Kristen helped us file a Chapter 13 and then after the loss of my husband's job, she assisted us in converting to a Chapter 7. She went to bat for us against a difficult trustee and helped us negotiate a settlement that we could live with. She is easily accessible and works hard for her clients. We are looking forward to being able to start with a clean slate.
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Posted by William | October 22, 2015
This review is from a person who hired this attorney.
| Hired Attorney
When the company I worked for closed its doors suddenly, I was forced to make the decision to file for bankruptcy. I reached out to Kristen and she was thorough and quick to respond to all of my questions. The process was very easy and smooth. I would highly recommend Kristen for your bankruptcy services.
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AVVO RATING 9.2 (Superb)

Work Experience

  • Founding attorney
  • Nardone Law, PLLC
  • 2019 - Present
  • Partner
  • Davis Nardone, PC
  • 2011 - 2019
  • Associate Attorney
  • Blanco Tackabery & Matamoros, PA
  • 2008 - 2010
  • Law Clerk
  • United States Bankruptcy Court MDNC
  • 2004 - 2006
  • Associate Attorney
  • Bell, Davis & Pitt, PA
  • 2002 - 2004
  • Law Clerk
  • United States Bankruptcy Court WDNC
  • 2001 - 2002
View all work experience


  • Wake Forest University School of Law
  • JD - Juris Doctor
  • 2001
  • University of North Carolina, Greensboro
  • BA - Bachelor of Arts
  • 1998


  • Mecklenburg County Bar
  • Member
  • 2012 - Present
  • Cabarrus County Bar Association
  • Member
  • 2011 - Present
  • National Association of Consumer Bankruptcy Attorneys
  • Member
  • 2010 - Present
  • North Carolina Bar Association, Bankruptcy Section
  • Member
  • 2001 - Present
View all associations

Languages Spoken

  • English

Honors and Awards

  • Board Certification in Consumer Bankruptcy Law
  • NC State Bar
  • 2015


  • N.C. Bankruptcy Practice Manual
  • Chapter 13
  • 2017
  • American Bankruptcy Institute Journal
  • Modification for Above-Median-Income Debtors
  • 2011
  • National Association of Chapter 13 Trustee's Quarterly
  • The Application of the Automatic Stay to Repeat Filers: Section 362(c)(3) of the Bankruptcy Abuse Prevention Consumer Protection Act
  • 2006

Speaking Engagements

  • Chapter 7 and 13 Bankruptcy: line-by-line Workshop
  • Chapter 7 and 13 Bankruptcy
  • 2013

Attorney endorsements

Received (3)
Given (1)
Endorse Kristen
Bankruptcy and debt Attorney | Mar 12
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Chapter 13 bankruptcy Attorney | Mar 09
Relationship: Worked together on matter
"I endorse this lawyer. Kristen us a highly skilled bankruptcy attorney who is focused on serving her clients to the fullest."
Bankruptcy and debt Attorney | Feb 18
Relationship: Fellow lawyer in community
"I endorse this lawyer. Kristen is an attorney who works hard and puts up a zealous fight for each of her clients"

Avvo Contributions

This attorney hasn't created any legal answers in Q&A or legal guides recently on Avvo.

Concord Bankruptcy and debt Lawyer Kristen Scott Nardone
Kristen Scott Nardone
Bankruptcy and debt Attorney
Concord, NC
Licensed for 22 years