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W. Mack Rice, Attorney at Law, has been representing consumers throughout Eastern North Carolina since 1993. His primary areas of practice include Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Tax Controversy involving the IRS & North Carolina Department of Revenue, and Real Estate Closings.


In today’s society there are too few places where mercy, grace and forgiveness are present. Fortunately, Congress has sought fit to provide a means of obtaining a measure of mercy, grace and forgiveness in the United States Bankruptcy Code and Internal Revenue Code. Consumers throughout the country are experiencing troubling times. Many people are facing job loss, illness, divorce, separation, escalating living costs, and the list goes on. These types of challenges make it nearly impossible to remain current on monthly obligations. Many people have to rely upon credit cards just to buy food and clothing. Eventually, a credit meltdown will occur. Interest rates, increasing minimum payments, late fees and unexpected charges cause a budget to become unbalanced. There is more going out than is coming in.


Financial stress is responsible for physical and mental health decline. Also, financial stress is responsible for destroying relationships among loved ones. Help is available. Do not allow the pride of life to interfere with an informed decision to resolve your financial stress by filing a petition in bankruptcy. Bankruptcy is the only solution for many people. It is an avenue to explore just as any other option. I have filed hundreds of bankruptcy petitions, and I can honestly say that I have never had a client tell me that the decision to file bankruptcy was one in which he or she regretted.

Debt relief is necessary for many people. I believe that people should pay their bills if they are able. However, if the ability to pay is not present and there is no light at the end of the tunnel, then bankruptcy may be the only appropriate remedy. Bankruptcy is just another way of asking for help. We all need help at some point in our lives. There is no shame in asking for help.


Similar relief to that of bankruptcy is found in the Internal Revenue Code. Congress has codified various methods of requesting help with payment of tax liability. This can be accomplished by requesting to make affordable payments on a monthly basis. It can also be accomplished by offering a sum less than the total amount owed to the government based upon certain conditions. Penalties that have been added to the tax by the government can be forgiven if the right set of circumstances exists. Sometimes a spouse or former spouse should be held responsible for the payment of tax as opposed to the individual the government is enforcing collection against.


Knowledge of the key provisions of the law pertaining to debt and tax relief is essential for a successful practice. At the law office of W. Mack Rice, you will be represented by a competent professional who has your best interest at heart. Counsel and staff promise to work hard for you and represent you with compassion and understanding.

 Goldsboro P: 919.778.5545 F: 919.759.0947 Havelock P: 252.447.2300 F: 252.447.2222 Email:Mack@mackricelaw.com

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