Law Offices of John T. Orcutt
Law Offices of John T. Orcutt is a North Carolina consumer bankruptcy law firm founded in 1985, offering Chapter 7 and Chapter 13 representation, a $0 Money-Down filing program, and a $99/month Debt Buster plan, serving individuals and families across all 100 NC counties through seven offices and a phone-first intake system.
- Company typePrivate
- Founded1985
- HeadquartersRaleigh, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Law Offices of John T. Orcutt does
Law Offices of John T. Orcutt is a North Carolina-based consumer bankruptcy law firm founded in 1985 (firmographics state 1987) and operating as a founder-owned professional corporation (P.C.). The firm is structured around Chapter 7 and Chapter 13 bankruptcy representation for individual consumers and families across North Carolina, with a stated goal of stopping foreclosures, repossessions, lawsuits, garnishments, and creditor harassment while helping clients retain eligible property. Its service menu includes the flagship $0 Money-Down bankruptcy filing program (used by 13,470 families cumulatively), a newer $99/month 'Debt Buster' subscription-style debt management plan, foreclosure prevention, and debt collection defense.
Distribution is delivered through seven physical offices in Raleigh, Fayetteville, Durham, Wilson, Greensboro, Southport, and Wilmington, a centralized toll-free intake line (+1-833-627-0115) plus per-office local numbers, online intake forms, and free immediate over-the-phone consultations — a phone-first motion that allows the firm to claim coverage of all 100 NC counties without requiring in-person visits. Marketing is multi-channel: long-running TV advertising featuring attorney John T. Orcutt, a large content/blog hub (200+ bankruptcy-focused topics), and reputational flywheel via 2,500+ five-star Google Reviews.
Commercially, the firm operates on a professional services revenue model with quote-based attorney fees plus the two productized financing wrappers ($0 Money-Down and $99/month Debt Buster). The business is founder-led, with John T. Orcutt as owner/founder and a management team including Managing Partner Edward C. Boltz (recently named NACBA President) plus attorneys Koury Hicks, Joshua Hillin, Jason Watson, and Shawn Orcutt; the firm is privately held with no disclosed funding, M&A activity, or external investors, and has cumulatively served 72,343 families since inception.
Law Offices of John T. Orcutt firmographics
Firmographics- Name
- Law Offices of John T. Orcutt
- Legal name
- The Law Offices of John T. Orcutt, P.C.
- Website
- https://billsbills.com
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Law Offices of John T. Orcutt is a North Carolina consumer bankruptcy law firm founded in 1985, offering Chapter 7 and Chapter 13 representation, a $0 Money-Down filing program, and a $99/month Debt Buster plan, serving individuals and families across all 100 NC counties through seven offices and a phone-first intake system.
- Ownership category
- akta.pro rank
Law Offices of John T. Orcutt industry classification
Industry- Product category
- Consumer Bankruptcy Legal Services
- NAICS
- Offices of Lawyers (541110)
- SIC
- Services-Legal Services (8111)
- akta.pro primary industry
- Credit Repair, Debt Relief & Bankruptcy Referrals (FSAEAMAH)
- akta.pro secondary industry
- Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)
Keywords
Where Law Offices of John T. Orcutt is headquartered
LocationHeadquarters
- HQ city
- Raleigh
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
Law Offices of John T. Orcutt business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Bankruptcy Legal Services: Professional legal services for consumer bankruptcy filings including Chapter 7 and Chapter 13; revenue generated through legal fees for representation; $99/month Debt Buster Plan for ongoing debt management; $0 Money-Down bankruptcy filing program
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | $0 Money-Down Bankruptcy Program |
| Subscription | Monthly | $99/month Debt Buster Plan |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Law Offices of John T. Orcutt product offering
Product offeringCore offering
Law Offices of John T. Orcutt is a debt relief agency providing consumer bankruptcy legal representation across North Carolina. The firm files Chapter 7 and Chapter 13 cases, stops foreclosures, repossessions, lawsuits, and creditor harassment, and offers two signature programs: a $0 Money-Down filing program and a $99/month Debt Buster Plan for ongoing debt management.
Product overview
Law Offices of John T. Orcutt is a debt relief law firm offering comprehensive bankruptcy services to consumers across North Carolina. The firm operates a unified service model centered on bankruptcy filing representation (Chapter 7 and Chapter 13), supplemented by two key financial programs: the $0 Money-Down Bankruptcy Program enabling zero-upfront-cost filings, and the $99/month Debt Buster Plan for structured debt repayment. Additional services include foreclosure prevention and debt collection defense. The firm claims to be the largest consumer bankruptcy practice in North Carolina, serving all 100 counties through multiple office locations.
Differentiator
Problem solved
Functional benefit
Products and services
- Bankruptcy Filing Services (Chapter 7 and Chapter 13) Legal representation and case handling for filing Chapter 7 (liquidation) and Chapter 13 (reorganization) bankruptcy cases under the U.S. Bankruptcy Code for individual consumers and families in North Carolina.
- $0 Money-Down Bankruptcy Program Exclusive payment program enabling qualified clients to file for bankruptcy with zero upfront legal fees, with costs paid over time; 13,470 families have used this program.
- $99/month Debt Buster Plan Monthly subscription payment plan for structured debt management and ongoing debt relief outside of a bankruptcy filing.
- Foreclosure Prevention Services Legal services to stop or prevent home foreclosure, primarily through the automatic stay triggered by a bankruptcy filing.
- Debt Collection Defense Legal representation to stop creditor lawsuits, repossessions, creditor harassment, and to eliminate judgments, typically via bankruptcy protection.
Quantifiable outcome
- 72,343 families helped
- +1 more outcomes
Companies that use Law Offices of John T. Orcutt
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Law Offices of John T. Orcutt technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Law Offices of John T. Orcutt partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights5 records
Law Offices of John T. Orcutt competitors and assessment
Company assessmentDirect peers
- Cordell & Cordell: National consumer bankruptcy and family law firm with a multi-state footprint and heavy TV/radio advertising model; directly comparable to Law Offices of John T. Orcutt as a consumer-bankruptcy-focused practice competing on brand and accessibility.
- Macey Bankruptcy Law: Regional consumer bankruptcy firm with a similar client profile and Chapter 7/13 focus; relevant comparable for service positioning, flat-fee programs, and online lead generation.
- UpRight Law: Tech-enabled consumer bankruptcy law firm with national reach and an online intake funnel; comparable to Orcutt's phone-driven delivery but adds a self-service digital layer that pressures traditional firms.
- Hummingbird Law: Consumer bankruptcy firm operating across multiple states with a flat-fee, phone-based intake model; competes head-to-head with Orcutt on accessibility, $0-down-style programs, and online lead conversion.
- Bankruptcy Law Center (Freedom Law): Multi-state consumer bankruptcy practice offering Chapter 7 and Chapter 13 representation with flat-fee pricing; directly comparable in service mix, target customer (distressed consumers), and price-led acquisition motion.
Regional players
- Burr & Reid: Consumer bankruptcy firm based in the Southeast with a comparable Chapter 7/13 service offering; relevant comparable for regional, in-person-plus-phone delivery against a single-state specialist.
Others
- NACBA (National Association of Consumer Bankruptcy Attorneys): Industry association for consumer bankruptcy attorneys; not a competitor but a relevant ecosystem node where Orcutt's managing partner serves as President, signaling the firm's standing in the bankruptcy bar.
- Debt.org (InCharge Debt Solutions): Consumer-facing debt education and credit counseling service adjacent to bankruptcy practice; comparable as an upstream funnel competitor and as a non-bankruptcy alternative for the same distressed-consumer segment.
Broad incumbents
- Freedom Debt Relief: Largest US debt settlement company; overlaps with Orcutt at the front of the consumer debt-distress funnel and competes for the same prospective client, but pursues settlement rather than bankruptcy as the core solution.
- National Debt Relief: Major national debt settlement firm with heavy TV advertising and phone-driven intake; competes for the same inbound distressed-consumer audience as Orcutt via a non-bankruptcy alternative.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Law Offices of John T. Orcutt social profiles
Digital presenceLaw Offices of John T. Orcutt financial estimates
Financial estimateRevenue estimate
Valuation estimate
Law Offices of John T. Orcutt leadership team
Management profileNumber of profiles
Profiles6 records
Law Offices of John T. Orcutt funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Law Offices of John T. Orcutt M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Law Offices of John T. Orcutt
What does Law Offices of John T. Orcutt do?
Law Offices of John T. Orcutt is a debt relief agency providing consumer bankruptcy legal representation across North Carolina. The firm files Chapter 7 and Chapter 13 cases, stops foreclosures, repossessions, lawsuits, and creditor harassment, and offers two signature programs: a $0 Money-Down filing program and a $99/month Debt Buster Plan for ongoing debt management.
Is Law Offices of John T. Orcutt a public or private company?
Law Offices of John T. Orcutt is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Law Offices of John T. Orcutt founded?
Law Offices of John T. Orcutt was founded in 1985. It employs 51 to 100 people.
Where is Law Offices of John T. Orcutt based?
Law Offices of John T. Orcutt is headquartered in Raleigh, United States, in the North America region.
How does Law Offices of John T. Orcutt make money?
One revenue line is on record: bankruptcy Legal Services.
Who are Law Offices of John T. Orcutt's main competitors?
Direct peers on record are Cordell & Cordell, Macey Bankruptcy Law, UpRight Law, Hummingbird Law and Bankruptcy Law Center (Freedom Law). Burr & Reid is listed as a regional player. Others are NACBA (National Association of Consumer Bankruptcy Attorneys) and Debt.org (InCharge Debt Solutions). Broad incumbents are Freedom Debt Relief and National Debt Relief.
Does Law Offices of John T. Orcutt have an API?
No public API is recorded for Law Offices of John T. Orcutt.
What industry is Law Offices of John T. Orcutt in?
Law Offices of John T. Orcutt's product category is Consumer Bankruptcy Legal Services. Its primary akta.pro industry code is FSAEAMAH, Credit Repair, Debt Relief & Bankruptcy Referrals, with a secondary code of FSAKAJAH, Credit Counseling & Debt Management Plans (DMP). Its NAICS code is 541110 and its SIC code is 8111.