The Law Offices of John T. Orcutt

What The Law Offices of John T. Orcutt does

The Law Offices of John T. Orcutt is a privately held consumer bankruptcy law firm headquartered in Raleigh, North Carolina, founded in 1985 and operating across all 100 counties of the state through seven physical office locations (Raleigh, Fayetteville, Durham, Wilson, Greensboro, Southport, and Wilmington). The firm specializes in Chapter 7 and Chapter 13 bankruptcy representation for individuals and families, and reports having assisted 72,343 families with debt relief over its history. Its core service model is direct-to-consumer, anchored by a phone-based intake and delivery system that minimizes the need for in-person visits, supplemented by online intake questionnaires and physical office consultations. No proprietary technology platform or AI/ML systems are disclosed.

The firm's product portfolio centers on bankruptcy legal representation, with two distinctive commercial offerings: a "$0 Money-Down" program, used by 13,470 families, for qualifying clients who cannot afford upfront fees, and a "$99/mo Debt Buster Plan" structured monthly payment option. Free initial phone consultations and payment plans are standard. The firm employs 101–250 staff and relies on digital marketing channels including local SEO, Google Reviews (2,500+ five-star ratings), content marketing via blog and video, and social media presence to drive top-of-funnel lead generation.

Revenue is generated through professional services fees tied to bankruptcy case preparation and court representation. The firm operates as a debt relief agency under the U.S. Bankruptcy Code and remains founder-owned under the direction of John T. Orcutt, with no disclosed private equity, venture capital, parent company, or subsidiary structure. Distribution is omnichannel across phone, online self-serve intake, and in-person modalities, with stated coverage spanning the entire state of North Carolina.

Name

The Law Offices of John T. Orcutt

Legal name

Law Offices of John T. Orcutt

Website

https://johnorcutt.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

101–250 employees

Short description

The Law Offices of John T. Orcutt is a privately held North Carolina bankruptcy law firm founded in 1985, serving consumer debtors across all 100 NC counties through seven offices and a phone-based delivery model, with over 72,000 families assisted to date.

Ownership category

akta.pro rank

Product category

Consumer Bankruptcy Legal Services

NAICS

Offices of Lawyers (541110), Offices of Lawyers (54111)

SIC

Services-Legal Services (8111)

akta.pro primary industry

Legal Aid & Client Advocacy Services (BPAGAEAM)

Keywords

• Consumer bankruptcy services
• Chapter 7 bankruptcy
• Chapter 13 bankruptcy
• Debt relief services
• Legal consultation services

Headquarters

HQ city

Raleigh

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Bankruptcy Legal Services: One-time legal service fees for filing bankruptcy petitions on behalf of clients. Services include initial consultation, case preparation, court filing, and representation throughout the bankruptcy process. The firm also offers payment plans and a $0 Money-Down program for qualifying clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

The Law Offices of John T. Orcutt is a North Carolina bankruptcy law firm that represents individual consumers and families in filing Chapter 7 and Chapter 13 bankruptcy petitions. The firm delivers services primarily over the phone, supported by seven physical office locations, and offers an exclusive "$0 Money-Down" program for qualifying clients plus a $99/month Debt Buster Plan for ongoing debt management.

Product overview

The Law Offices of John T. Orcutt operates as a debt relief agency providing bankruptcy legal services to individuals across North Carolina. The firm offers a portfolio of bankruptcy filing services anchored by an exclusive "$0 Money-Down" program for qualifying clients who cannot afford upfront costs, complemented by a "$99/mo Debt Buster" monthly payment plan. Additional service modules include free over-the-phone consultations and an online intake questionnaire for client onboarding. The firm serves all 100 North Carolina counties through seven office locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Bankruptcy Legal Services
• $99/mo Debt Buster Plan

Quantifiable outcome

• 72,343 families helped with bankruptcy and debt relief
• +1 more outcomes

Segments1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Cordell & Cordell: Multi-state consumer bankruptcy and family law firm with a similar high-volume, multi-office, consumer-direct go-to-market model. Directly comparable in serving financially distressed individuals across multiple U.S. states with offices, local SEO focus, and one-time legal fee billing.
• Bond & Botes: Multi-state consumer bankruptcy law firm operating across the Southeast and Midwest with a similar office-network and consumer-direct acquisition model. Highly comparable in being a debt-relief-agency-style bankruptcy practice serving individuals across multiple cities.
• DebtStoppers: Multi-state consumer bankruptcy law firm offering Chapter 7 and Chapter 13 representation with a similar consumer-direct marketing and online intake approach. Directly comparable in service mix (bankruptcy, foreclosure defense, debt relief) and customer profile.
• Hummingbird Debt Freedom: Consumer bankruptcy and debt-relief law firm targeting individuals in financial distress. Comparable as a direct peer in service line (bankruptcy representation) and customer profile (financially distressed consumers seeking debt relief).

Emerging players

• Upsolve: Nonprofit, technology-enabled platform that helps consumers prepare and file Chapter 7 bankruptcy for free. Comparable as it targets the same end-customer (financially distressed consumers considering bankruptcy) with a different cost structure and digital-only delivery model.

Broad incumbents

• Clearpoint Credit Counseling Solutions: National nonprofit credit counseling and debt management organization offering alternatives to bankruptcy. Comparable as an incumbent in the consumer debt-relief category, competing for financially distressed consumers, though it is a broader, multi-product player rather than a bankruptcy specialist.
• LegalZoom: Online legal services platform offering bankruptcy filing preparation among many other legal products. Comparable as a broad incumbent in the same end-market (consumer legal services for financially distressed individuals) with self-service delivery that competes with full-service firms.
• Nolo: Long-standing legal information and services publisher offering articles, attorney directories, and DIY legal products including bankruptcy filings. Comparable as a broad legal-services incumbent that competes for the same top-of-funnel search traffic and bankruptcy-related consumer intent.

Regional players

• Williams McCarthy: Multi-state consumer bankruptcy law firm with multi-city office coverage and a similar marketing approach (free consultations, online intake, consumer-direct lead generation). Comparable as a regional-scale direct competitor with overlapping practice area and customer profile.

Others

• National Association of Consumer Bankruptcy Attorneys (NACBA): Professional membership and advocacy association for consumer bankruptcy attorneys. Comparable not as a competitor but as an ecosystem participant that shapes the regulatory and reputational environment the firm operates in, and whose members represent the firm's broader competitive set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/the-law-offices-of-john-t.-orcutt

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Law Offices of John T. Orcutt