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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 nearly 400 cases in the local bankruptcy court, and my paralegal has been involved in thousands, so we have seen just about everything and can minimize surprises and find solutions.  We find that 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 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 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.

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Practice areas

Licensed

  1. Litigation: 30%
    19 years
  2. Chapter 13: 30%
    14 years
  3. Chapter 7: 30%
    14 years
  4. Debt Settlement: 10%
    14 years

Attorney endorsements

7 total 

Are you an attorney? Endorse this lawyer

  • Fred P. Parker IV

    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.

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    Fred Parker Tax Attorney
    Relationship: Fellow lawyer in community

  • Phyllis W. Long

    Heather is well-respected in the legal community. She is very knowledgeable in her chosen field and responsive to her clients.

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    Phyllis Long Business Attorney
    Relationship: Fellow lawyer in community

Contact info

Essex Richards

1701 South Boulevard
Charlotte, NC, 28203

Resume

License
StateStatusAcquiredUpdated
NCActive200206/12/2016
KYAuthorized to practice law199707/09/2016
We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Awards
Award nameGrantorDate granted
Named to Top 25 Charlotte Lawyers listNorth Carolina Super Lawyers2016
Named to Top 50 North Carolina Women Lawyers listNorth Carolina Super Lawyers2016
Named to Top 100 North Carolina Lawyers listNorth Carolina Super Lawyers2016
Named to Legal Elite list in BankruptcyBusiness North Carolina2016
Named to "Super Lawyers" list in Consumer BankruptcyNorth Carolina Super Lawyers2016
Named to "Super Lawyers" list in Consumer BankruptcyNorth Carolina SuperLawyers2015
Named to "Legal Elite" list in BankruptcyBusiness North Carolina2015
Named to "Legal Elite" list in BankruptcyBusiness North Carolina2014
Named to "Legal Elite" list in BankruptcyBusiness North Carolina2013
Named to "Rising Stars" list in BankruptcyNorth Carolina Super Lawyers2013
AV-rated peer review ratedLexisNexis Martindale-Hubbell2013
Named to "Legal Elite" list in BankruptcyBusiness North Carolina2012
Named to "Rising Stars" list in BankruptcyNorth Carolina Super Lawyers2012
Named to "Legal Elite" list in BankruptcyBusiness North Carolina2011
Named to "Rising Stars" list in BankruptcyNorth 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
Associations
Association namePosition nameDuration
Lawyers Mutual Insurance of North Carolina, Inc.Charlotte Community Board2016 - Present
North Carolina Bar AssociationBoard of Governors2015 - Present
North Carolina Bar AssociationAudit & Finance Committee2015 - Present
American Bankruptcy InstituteMember2007 - Present
National Association of Bankruptcy TrusteesAssociate member2007 - Present
Mecklenburg County BarPresident-Elect2016 - 2017
North Carolina Bar AssociationBankruptcy Section Council2010 - 2013
Publications
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
Education
School nameMajorDegreeGraduated
University of Kentucky College of LawLawJD - Juris Doctor1997
Miami University of OhioEnglish LiteratureBA - Bachelor of Arts1994
Speaking engagements
Conference nameTitleDate
North Carolina Bar Association Annual Review continuing legal education program, October 2016Annual Consumer Bankruptcy Update2016
Mecklenburg County Bar Annual Review continuing legal education program, February 2016Consumer Bankruptcy 1012016
Mecklenburg County Bar Annual W.D.N.C. Bankruptcy Update Seminar, May 2015Navigating the Intersection of Family Law & Bankruptcy Law 2.02015
Legal Support Staff of North Carolina, Inc. continuing legal education program, March 2015Legal Options for Dealing with Debt & Credit Problems2015
Charlotte Financial Planners' Association program, January 2015What Financial Planners Need to Know About Bankruptcy2015
Mecklenburg County Bar Family Law Section continuing legal education program, September 2014Bankruptcy Law v. Family Law: Who Wins?2014
Mecklenburg County Bar Annual W.D.N.C. Bankruptcy Seminar 2013Revised Local Bankruptcy Rules2013
Lunch & Learn, September 2012What Family Law Attorneys Need to Know about Short Sales and Foreclosures2012
Charlotte Works workshops (2012-2015)Managing Through Financial Crisis2012
Mecklenburg County Bar continuing Legal EducationBankruptcy 101: What Every Lawyer Needs to Know About Bankruptcy2010