James C. Reed

James C. Reed

This is a one attorney office that specializes in bankruptcy representation of consumer and small business debtors seeking relief under the bankruptcy code. We provide personalized service. You will deal directly with me.

Firm Overview

Handling various legal issues pertaining to Bankruptcy Law.

My practice is currently limited to chapter 7 and chapter 13 bankruptcies. Most of my clients qualify to file a chapter 7 bankruptcy and discharge or eliminate all their unsecured debts, while keeping everything that they own.

For personal attention to your case, deal directly with a caring, understanding attorney. I want to help you through this difficult time, and have over 20 years experience with representing people in financial distress.

Don't suffer dealing with debts without talking to someone who can offer a way to fix the situation, so that you can have a FRESH START.
Main Office

6 Century Plaza
19633 Blue Bird Lane, Suite 6
Rehoboth Beach  DE  19971-6130
  • 302-227-2477

Other Offices

Chapter 7 and Chapter 13 bankruptcy for individuals and small businesses.
I personally meet with you and get an understanding of your situation and advise you regarding how the law applies to your situation and what relief you can get under the bankruptcy law, and whether I think it is a good option for you. I also provide information about other services that may be available, such as loan modification of a mortgage, or credit counseling that can reduce interest on credit cards.

I have represented everyone from real estate develoers and restaurant owners, to retirees with very small incomes. Typically my clients have suffered a reduction in income that leaves them in a position where they are no longer able to pay all of their debts.

Almost every client is able to keep everything that they own, and discharge (eliminate) their liability for debts, other than: tax debt, student loans, and other debts that have priority and usually are not dischargeable; and of course they have to pay secured debts for property that they are keeping.

How did your firm decide on the primary area of practice(s)?

I enjoy bankruptcy work and getting relief for my clients. Therefore, I have made it the major part of my practice.

What experience or education distinguishes your lawyers from others?

I have over 20 years of experience in the bankruptcy area. I am an active member of the National Association of Consumer Bankruptcy Attorneys (NACBA). I work to keep up to date on what is happening with bankruptcy law and court decisions, and attend at least 3 - 5 days of continuing education each year to keep up on recent development. I have met with Delaware's Congressman and staff in our U.S. Senators offices to create awareness and support for bankruptcy issues like student loan dischargeability.

What distinguishes your law firm from others?

Experience. Dedication. Knowledge. Caring. Personal attention. Bankruptcy is an area of the law that can be very unforgiving. I get to know each clients situation and strive to make sure that I do something that fits your needs and resolves your financial problems, if possible.

James Reed

A third generation attorney. I was born in Washington, DC, grew up in Rehoboth Beach Delaware. Attended high school in Massachusetts, college at Georgetown University in Washington DC and law school at Widener School of Law in Wilmington, where I graduated magna cum laude (with high honors). I was a judicial clerk for two federal judges in DC, worked for a private law firm in DC, then returned to Delaware in 1983. I first opened my own office in 1990, and have enjoyed many years as a solo practitioner, working directly with clients to help resolve their legal problems. Debt is a very serious problem in this country, and I have settled in with helping people get relief from their debts.
There is no typical bankruptcy client, but in lower Delaware there are a lot of people working at low paying jobs that are only a paycheck away from financial trouble. I also see a lot of retirees, and some clients have substantial incomes. I have represented restaurant and other business owners, and real estate developers, and other business people, when their business failed, or they became ill or had other problems that reduced their income.
Financial problems can cause a lot of stress and I try to make the process as simple and painless as possible. When you are in a situation that you can't work your way out of, you need a FRESH START and a second chance.
  • Bar Number: admitted
    Delaware , 1983
  • Bar Number: admitted
    District of Columbia , 1980
  • Widener School of Law
    J.D. magna cum laude , 1979
    Wilmington, DE

    Research Editor, Delaware Journal of Corporate Law

  • Georgetown University, College of Arts and Sciences
    B.S. mathematics , 1976
    Washington, DC

    minor in Government

  • Deerfield Academy
    graduate , 1972
    Deerfield, MA