Law Offices of John T. Orcutt

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.

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

Product category

Consumer Bankruptcy Legal Services

NAICS

Offices of Lawyers (541110)

SIC

Services-Legal Services (8111)

akta.pro industry

PRIMARYFSAEAMAH

Credit Repair, Debt Relief & Bankruptcy Referrals

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Introducers, Finders & Referral Networks

SECONDARYFSAKAJAH

Credit Counseling & Debt Management Plans (DMP)

Financial & Insurance/Lending & Consumer Finance/Debt Collection, Recovery & Servicing

Keywords

• Consumer bankruptcy law
• Debt relief services
• Chapter 7 bankruptcy
• Chapter 13 bankruptcy
• Foreclosure prevention

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, Infrastructure, Others

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core 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

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct 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

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

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&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