For more than 30 years, The Cummings Law Firm, P.A. has assisted North Carolina clients with debt relief. We understand how difficult it can be to make the decision to file for personal bankruptcy. But if your creditors keep calling you, if debt collectors harass you on the phone or at the door, and if bills have stacked up to the point where you don't think you can ever catch up, it may be time to do something about it.