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Heather W. Culp

Chapter 7 bankruptcy Attorney at Charlotte, NC

5.0   101 reviews

About Heather

Learn Heather’s areas of practice.

5
Practice areas
  1. Chapter 7 bankruptcy
    35%
    Representation of debtors; member of Chapter 7 trustee panel

    20 years

  2. Litigation
    35%
    Business, commercial and financial litigation, including but not limited to receiverships, commercial substitute trustee appointments, asset forfeiture defense, and commercial litigation.

    25 years

  3. Chapter 13 bankruptcy
    15%
    Representation of debtors

    20 years

  4. Bankruptcy and debt
    10%
    Representation of debtors and creditors in Chapter 11 adversary proceedings; creditors in Chapter 7, 11 and 13

    20 years

  5. Debt settlement
    5%

    20 years

There is no one-size-fits-all solution when you owe money or money is owed to you. We have seen just about everything and can help you minimize surprises and find solutions. Our significant bankruptcy experience gives us an advantage in every other type of business or commercial litigation matter that we handle. 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 legal issues. We assist individuals, families, and small business owners who are struggling to manage debts and finances, as well as individuals and businesses who need assistance collecting what is owed to them.  
 
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 best 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 litigation 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.
Licensed for 25 years
State NC
Status Active
Acquired 2002
Updated 10/03/2022
State KY
Status Authorized to Practice Law
Acquired 1997
Updated 09/20/2022

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

Contact Heather

Essex Richards
1701 South Boulevard
Charlotte, NC, 28203

Reviews

5.0 / 5.0
  101 customer reviews
5 Star
 
100%
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Posted by Nichelle | November 30, 2022
This review is from a person who hired this attorney.
| Hired Attorney
I cannot say enough great things about Heather Culp at Essex Richards.
I cannot say enough great things about Heather Culp at Essex Richards. They are truly wonderful people. They made us feel at peace when we were in one of the most stressful periods of our lives. Their professionalism is top tier. Heather and Cindy both explained everything in terms I could understand. Heather gave us options, where we thought we had none, and just made the whole experience as non-terrifying as possible. Her staff is amazing and knowledgeable. If you are in need of an attorney, you CANNOT find better people than right here!
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Posted by Bob | June 7, 2022
This review is from a person who hired this attorney.
| Hired Attorney
A dark time made so much better
Several years ago, I entered a dark time in my life and did not know where to turn for help. A friend suggested Heather Culp. From day one after meeting with her, there was hope. Of course she was knowledgeable, but also showed concern to guide me thru the process. Today, I am in much better financial shape, as I am nearing retirement. Thank you Heather Culp and Cindy Baker !
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Posted by Malindi | April 14, 2022
This review is from a person who hired this attorney.
| Hired Attorney
Kindness matters
Heather and her paralegal, Cindy, not only helped me through bankruptcy, they also helped me through my young daughter's illness. When they heard she was sick and I wouldn't be able to work, they reached out to the bankruptcy court to give me a reprieve while she was in hospital. It's been a rough hill to climb since then, but because of the kindness and knowledge of people like Heather, I've successfully completed bankruptcy and my daughter is a healthy tween! Thank you so much, Heather & Cindy.
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Posted by Zac | January 26, 2022
This review is from a person who hired this attorney.
| Hired Attorney
Excellent experience in an end of the world situation
My wife and I recently had to reluctantly file chapter 7 bankruptcy. It was a situation that we both thought was an impossible time. However, Cindy and Heather went to work for us and I'm not going to say it was easy but they crossed every T and dotted every I and in the end saved our butt. I couldn't have asked for a better outcome. They truly are helping make this world a better place to overcome some of the horrible things going on.
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Posted by Andrew | October 27, 2021
This review is from a person who hired this attorney.
| Hired Attorney
Chapter 13 Bankruptcy help
Just completed a Chapter 13 bankruptcy and wanted to say Heather and Cindy were an amazing help in getting me through this Chapter (no pun intended) of life. Heather provided great representation for case and helped provide some peace of mind to get myself back on track financially. Heather and Cindy were amazing through the whole process and kept me informed on a regular basis as to the progress of my case. If you’re looking for an attorney to help guide you through the bankruptcy process, then I would highly recommend Heather Culp.
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Posted by anonymous | June 8, 2021
This review is from a person who hired this attorney.
| Hired Attorney
Complex Chapter 7 Bankruptcy
Many Chapter 7 bankruptcies are quite simple. Ours was not. Heather and Cindy worked diligently with us to execute the right strategy, captured the many details, and cheerfully answered all of our many questions. A simple cookie cutter solution would not have succeeded and would have resulted in significant judgements against us which did not happen.
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Posted by anonymous | February 1, 2021
This review is from a person who hired this attorney.
| Hired Attorney
Excellent lawyer and person
We hired Heather for chapter 7 bankruptcy because of a recommendation and we are more then happy that we have found her! She is nice and knowledgeable and easy to understand and work with. She did a great job for us and we would always recommend her to everyone!
Posted by Farrah | December 29, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Excellent bankruptcy lawyer
We hired Heather to do our Chapter 13. From the beginning, every step was explained clearly and in easy to understand terms. When we had any issues, Heather always handled everything with grace and understanding. We would (and have) recommend her to anyone thinking about going through a bankruptcy. Heather is knowledgeable, professional, and kind. Her right hand, Cynthia, is amazing also and always there ready to help in any way, and also explains things clearly and is very knowledgeable. A great team!
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Posted by Erin | December 28, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Easy & Painless
Heather worked with me on my Chapter 13 bankruptcy. She and Cynthia were great at explaining every step and made the process easy and painless. I would recommend her to anyone needing a bankruptcy attorney.
Posted by Vikki | November 6, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Wonderful lawyer and person
She has been so helpful with our case. Everything was explained in great detail and she was always there to help. I would recommend her to anyone.
Posted by Tiffany | July 10, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Knowledgeable, Thorough, Informative, Professional
I have recently completed my 5 years of Chapter 13 Bankruptcy. Never once did I question if I was in the right hands with Heather Culp. She was knowledgeable, helpful, communicative, thorough, informative, professional, and just wonderful through the entire process. I highly recommend her to anyone looking for an attorney.
Posted by Jon | June 8, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Honest, Direct, Open, Great Communication
I filed a personal bankruptcy through Heather and her paralegal Cindy. They were fantastic partners through the entire five year process.
Posted by Ernest | June 8, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Heather Culp is a wonderful lawyer, she was there for me through my Chapter 13 case
Heather Culp was my Attorney for my Chapter 13 Bankruptcy. She was excellent at explaining all of my options, and preparing me for my court case, She was quick to help me and guide me when my car was repossessed, and when my house was put into foreclosure. Great communications through out the Chapter 13 period, I was able to sell my house with Heather Culp's help, she laid out all of the steps needed to close on my house and to resolve my Chapter 13 case.. Heather Culp also worked closely with my realtor to gather all of the required documents needed for the Chapter 13 court. Which allowed for a smooth sale and closing. I was able to pay off all my bills owed to the Trustee, and close out my Chapter 13 case, in less then 3 years. Heather was a real pleasure to work with and I would recommend her to all my friends and family, and anybody else that needs a top lawyer.
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Posted by Carol | May 26, 2020
This review is from a person who hired this attorney.
| Hired Attorney
On top of everything
I hired Heather on the recommendation of a friend and I was highly pleased. The consultation was professional but she put me completely at ease. She explained her role and that of her paralegal, Cindy, and laid out the process in an easy to follow manner. Cindy crossed every T and dotted every I. Both Heather and Cindy were quick to respond to phone calls or emails and there was never any delay in moving my case forward. They kept me informed of the progress and made sure I was promptly doing my part. I always felt totally confident in Heather‘s and Cindy’s ability to bring my case to a successful end, which it did. Their professionalism, perseverance, integrity, and calm and steady approach made my entire experience a positive one. I highly recommend their services.
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Posted by anonymous | April 5, 2020
This review is from a person who hired this attorney.
| Hired Attorney
The Best
From the initial consultation all the way to discharge, Heather was a calming force in the midst of one of the most difficult situations one can face. She was very responsive to all emails and phone calls, made sure we knew what to expect, and went above and beyond when other life circumstances overlapped with our bankruptcy. Simply the best!
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Posted by Sherri | March 7, 2020
This review is from a person who hired this attorney.
| Hired Attorney
My Shero!
Heather Culp and Cindy Baker saved me. After moving to Charlotte, due to circumstances beyond my control, I was forced to file bankruptcy. Heather did all of the hard work and all I had to do was sign a contract and pay my trustee on time. If you too are in a position and have to file bankruptcy, if you follow Heather's instructions, open a pre-paid credit card, and pay your trustee and credit card on time, I guarantee by the time you finish your bankruptcy claim in 5 years, your credit score will be 650+ or more! Thank you, Heather! Thank you, Cindy! You're the best!
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Posted by Brian | March 1, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Strongly recommended
I never thought I'd have to file bankruptcy. A job move and a bad mortgage in another state changed my plans. Heather and her paralegal Cindy took their time explaining what I needed to do and were available via phone or email every step of the way. My case is now discharged, and I'm ready to start rebuilding my credit.
Posted by anonymous | February 19, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Highly Recommend ! Amazing Experience
Heather and her paralegal Cyndi were amazing from the moment I reached out to them. What was a stressful and difficult decision became very easy and much less stressful after talking with Heather. Heather was there throughout the entire process and always available to answer the many questions I had. When changes in our life bubbled up during the bankruptcy Heather and Cyndi walked us through the process. Bankruptcy is never something anyone wants to go through but having Heather on board was a game changer. Couldn't have navigated through this lengthy process without Cyndi and Heather.
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Posted by Karen | October 20, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Superb Guidance for Chapter 13
Heather, and her assistant Cindy, were both kind, thorough and extremely supportive during our Chapter 13 bankruptcy proceeding. They were both always available for questions, small or large. If you find yourself needing a wonderful lawyer to walk you through all the steps -- choose Heather!!
Posted by Debra | August 27, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Chapter 7 Bankruptcy
Heather was very easy to talk with, always explaining every detail of what I could expect as I moved forward. I feel she went above and beyond what she needed to in many ways. This was a hard decision for me to make and after meeting with her I knew it was the right one. I would refer anyone to Heather if they are ever in need of a good lawyer.
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Cost

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Contact for Details

Resume

AVVO RATING 10.0 (Superb)

Work Experience

  • Attorney
  • Essex Richards
  • 2014 - Present
  • Attorney
  • Rawls, Scheer, Foster, Mingo & Culp, PLLC
  • 2012 - 2014
  • Attorney and Managing Partner
  • Mitchell & Culp, PLLC
  • 2006 - 2012
  • Associate attorney
  • Mitchell, Rallings & Tissue, PLLC
  • 2002 - 2006
View all work experience

Education

  • University of Kentucky College of Law
  • JD
  • 1997
  • Miami University (OH)
  • BA - Bachelor of Arts
  • 1994

Associations

  • North Carolina Bar Foundation
  • Board of Directors
  • 2019 - Present
  • North Carolina State Bar, IOLTA
  • Trustee
  • 2019 - Present
  • North Carolina Bar Foundation
  • Chair, Programs Committee
  • 2019 - Present
  • Lawyers Mutual Insurance of North Carolina, Inc.
  • Charlotte Community Board
  • 2016 - Present
  • American Bankruptcy Institute
  • Member
  • 2007 - Present
  • National Association of Bankruptcy Trustees
  • Associate member 2007-2019; Member 2019-present)
  • 2007 - Present
  • Mecklenburg County Access to Justice
  • Campaign Chair
  • 2018 - 2019
  • Mecklenburg County Bar
  • President
  • 2017 - 2018
  • North Carolina Bar Association
  • Board of Governors
  • 2015 - 2018
  • North Carolina Bar Foundation
  • Director
  • 2015 - 2018
  • North Carolina Bar Association
  • Bankruptcy Section Council
  • 2010 - 2013
View all associations

Languages Spoken

  • English

Awards

  • Pro Bono Award
  • North Carolina Bar Association, Bankruptcy Section
  • 2021
  • Commercial Litigation list
  • Best Lawyers in America
  • 2021
  • Litigation - Bankruptcy list
  • Best Lawyers in America
  • 2021
  • Creditor Debtor Rights/Insolvency and Reorganization Law list
  • Best Lawyers in America
  • 2021
  • Top 25 in "Super Lawyers" in Charlotte list
  • Thomson Reuters
  • 2021
  • Top 50 Women "Super Lawyers" in North Carolina list
  • Thomson Reuters
  • 2021
  • Top 100 in "Super Lawyers" in North Carolina list
  • Thomson Reuters
  • 2021
  • North Carolina "Super Lawyers" list - Consumer Bankruptcy
  • Thomson Reuters
  • 2021
  • Top 50 Women "Super Lawyers" in North Carolina list
  • Thomson Reuters
  • 2020
  • Creditor Debtor Rights/Insolvency and Reorganization Law list
  • Best Lawyers in America
  • 2020
  • Litigation - Bankruptcy list
  • Best Lawyers in America
  • 2020
  • Commercial Litigation list
  • Best Lawyers in America
  • 2020
  • Top 25 "Super Lawyers" in Charlotte list
  • Thomson Reuters
  • 2020
  • Top 100 "Super Lawyers" in North Carolina list
  • Thomson Reuters
  • 2020
  • North Carolina "Super Lawyers" list - Consumer Bankruptcy
  • Thomson Reuters
  • 2020
  • North Carolina "Super Lawyers" list - Consumer Bankruptcy
  • Thomson Reuters
  • 2019
  • Commercial Litigation list
  • Best Lawyers in America
  • 2019
  • Litigation - Bankruptcy list
  • Best Lawyers in America
  • 2019
  • Creditor Debtor Rights/Insolvency & Reorganization Law list
  • Best Lawyers in America
  • 2019
  • North Carolina "Super Lawyers" list - Consumer Bankruptcy
  • Thomson Reuters
  • 2018
  • Bankruptcy Litigation list
  • Best Lawyers in America
  • 2018
  • Creditor Debtor Rights/Insolvency & Reorganization list
  • Best Lawyers in America
  • 2018
  • North Carolina "Super Lawyers" list in Consumer Bankruptcy
  • Thomson Reuters
  • 2017
  • Top 100 North Carolina "Super Lawyers" list
  • Thomson Reuters
  • 2017
  • Top 50 North Carolina Women "Super Lawyers" list
  • Thomson Reuters
  • 2017
  • Creditor Debtor Rights/Insolvency & Reorganization Law
  • Best Lawyers in America
  • 2017
  • Legal Elite 2017 Top Vote Winner: Bankruptcy
  • Business NC Magazine
  • 2017
  • Top 25 Charlotte "Super Lawyers" list
  • Thomson Reuters
  • 2017
  • North Carolina "Super Lawyers" list: Consumer Bankruptcy
  • Thomson Reuters
  • 2016
  • Named to North Carolina "Legal Elite" list in Bankruptcy
  • Business North Carolina
  • 2016
  • Top 25 Charlotte "Super Lawyers" list
  • Thomson Reuters
  • 2016
  • Top 50 North Carolina Women "Super Lawyers" list
  • Thomson Reuters
  • 2016
  • Top 100 North Carolina "Super Lawyers" list
  • Thomson Reuters Super Lawyers
  • 2016
  • North Carolina "Super Lawyers" list: Consumer Bankruptcy
  • Thomson Reuters
  • 2015
  • Named to "Legal Elite" list in Bankruptcy
  • Business North Carolina
  • 2015
  • Named to "Legal Elite" list in Bankruptcy
  • Business North Carolina
  • 2014
  • AV-rated peer review rated
  • LexisNexis Martindale-Hubbell
  • 2013
  • Named to North Carolina "Legal Elite" list in Bankruptcy
  • Business North Carolina
  • 2013
  • Named to North Carolina "Rising Stars" list in Bankruptcy
  • Thomson Reuters
  • 2013
  • Named to North Carolina "Legal Elite" list in Bankruptcy
  • Business North Carolina
  • 2012
  • Named to North Carolina "Rising Stars" list in Bankruptcy
  • Thomson Reuters
  • 2012
  • Named to North Carolina "Legal Elite" list in Bankruptcy
  • Business North Carolina
  • 2011
  • Named to North Carolina "Rising Stars" list in Bankruptcy
  • Thomson Reuters
  • 2011
View all awards

Publications

  • North Carolina Bar Foundation's Bankruptcy Practice Manual (7th ed.)
  • Co-Managing Editor
  • 2012

Speaking Engagements

  • Western N.C. Bankruptcy Seminar
  • Co-Speaker: Case Studies: Bankruptcy & Family Law
  • 2021
  • Helping North Carolina Nonprofits and their Clients Navigate COVID-19
  • Consumer Bankruptcy Basics
  • 2021
  • Fraud Fighter Podcast
  • Guest
  • 2021
  • The Human Lawyer podcast
  • Guest
  • 2020
  • Power of 10 group (Charlotte)
  • "Women in Leadership"
  • 2020
  • Expert Series
  • Co-speaker, "Masters of Financial Disaster"
  • 2020
  • Continuing legal education
  • Co-speaker, "Masters of Financial Disaster"
  • 2020
  • Bar Leadership Institute
  • Panelist
  • 2020
  • North Carolina Bar Association Annual Review continuing legal education program, October 2016
  • Annual Consumer Bankruptcy Update
  • 2016
  • Metrolinna Paralegal Association Fall Fest CLE
  • Debt & Credit
  • 2016
  • Mecklenburg County Bar Annual Review continuing legal education program, February 2016
  • Consumer Bankruptcy 101
  • 2016
  • Charlotte Financial Planners' Association program, January 2015
  • What Financial Planners Need to Know About Bankruptcy
  • 2015
  • Charlotte Works workshops (2012-2015)
  • Managing Through Financial Crisis
  • 2012
View all speaking engagements

Attorney endorsements

Received (8)
Given (10)
Endorse Heather
Unknown Attorney | Mar 22
Relationship: Fellow lawyer in community
"I am impressed with Ms. Culp's thoughtful legal guides on Avvo. She has an in-depth understanding of the law and an ability to communicate legal concepts clearly and effectively. I endorse this lawyer!"
Bankruptcy and debt Attorney | Jul 14
Relationship: Fellow lawyer in community
"Heather is an incredibly well-respected lawyer and person in this community. Her knowledge of the law and its application to her clients are first rate, and she is a wonderful advocate. Heather navigates the legal process for her clients in a tactful, experienced manner that provides as good of options for those she represents as the circumstances allows. She is highly regarded by lawyers and judges alike."
Bankruptcy and debt Attorney | Jul 13
Relationship: Fellow lawyer in community
"Heather is well-respected in the legal community. She is very knowledgeable in her chosen field and responsive to her clients."
Bankruptcy and debt Attorney | Jul 11
Relationship: Fellow lawyer in community
"TOP NOTCH attorney. Smart, kind, compassionate and hard-working. Heather is a leader in the legal profession. She is the President Elect for the Mecklenburg County Bar. Fabulous personality. We've taught a couple CLE's together. We've referred matters to Heather Culp and her firm and have always received very positive feedback. Heather is not only a professional colleague, I consider her a friend! Bill Powers Powers McCartan, PLLC charlotte, nc [email protected] powersmccartan.com"
Bankruptcy and debt Attorney | Sep 30
Relationship: Fellow lawyer in community
"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."
Bankruptcy and debt Attorney | Dec 15
Relationship: Fellow lawyer in community
"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."
Bankruptcy and debt Attorney | May 13
Relationship: Worked together on matter
"Heather provides her clients an equal amount of compassion and sensitivity, coupled with assertive and well-reasoned advocacy required for the often tumultuous area of bankruptcy and debt management. She is a real gem for the Mecklenburg County Bar and a skilled lawyer for the citizens of North Carolina."
Unknown Attorney | Sep 13
Relationship: Fellow lawyer in community
"I endorse this lawyer."
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Avvo Contributions

0 Legal Answers 2 Legal Guides
Charlotte Chapter 7 bankruptcy Lawyer Heather W. Culp
Heather W. Culp
Chapter 7 bankruptcy Attorney
Charlotte, NC
Licensed for 25 years