Wilmington Bankruptcy Attorney - Cape Fear Debt Relief

Protect your home.
Protect your business.

Choose the path that fits.
-Catch up on a mortgage
-Reduce unsecured debt
-Stabilize a business
We explain options in plain language.

Same-day callback.

“Patrick Riley made the process easy and understandable.
He is well versed in debt relief and the Chapter 13 procedure.” — Stephen

Talk with a debt relief lawyer today

No cost to learn your options.

“helped me with little notice for what I needed done. I was still able to make the deadline he is awesome” — Cassandra

Is this your situation?

Behind on your mortgage or received a foreclosure notice
Your car lender is calling and I am one payment from repo.
You have credit cards or medical bills you cannot pay.
There is a lawsuit or fear a wage garnishment.
Vendors, rent/lease, equipment lender past due
MCA (Merchant Cash Advance) drafts draining cash flow
Business debt is accumulating

get debt help in 3 easy steps

1. FREE Consult

Talk with us. Free consult to hear your goals.

2. Review Your Finances

We look at your income, debts and property.

3. Choose a Path

We explain options and legal protections so you can decide.

Cape Fear Debt Relief - Attorney Richard P. Cook

4.8

Based on 43 reviews

review us on

E L

21:06 03 Nov 25

Mr Riley has been incredibly helpful with resolving a financial situation. Very professional and pleasant to interact with.

Andrew A. Maher S.

12:56 22 Oct 25

Patrick hands down is the knowledge king ,went in for a consultation and left with all the confidence I needed to make an informed decision,would highly recommend, thank you again /Andrew

Sherry C.

00:30 18 Oct 25

I contacted Cape Fear Debt Relief with the hope of possibly getting a quick answer/opinion..but instead Patrick Riley spent a long time on the phone with me not only answering my question, but explaining my options. Mr. Riley explained things in a way that I could understand, and make the decisions I need to make with no pressure whatsoever just useful information.

Jonathan P.

15:17 17 Oct 25

I Had a phone conversation today with Mr. Patrick D. Riley, regarding my debt situation. He was very thorough explaining to me what actions will be needed moving forward. He was very honest and straightforward. I highly recommend Mr. Patrick D. Riley (Cape Fear Debt Relief) to anyone who need help with their financial situation.

Vanessa T.

19:28 14 Oct 25

I recently received a consultation from Patrick and I just want to say I honestly wasn't expecting someone as welcoming and open to explain the process of filing for bankruptcy in a free consultation, but Mr. Riley was very informative and quick(not quick as in rushing me through information), and I got off the phone with a better understanding of bankruptcy and which chapter maybe be suitable for me. This was the first attorneys office I've contacted and when I'm ready to proceed, I don't need to look any further. And when the process is all done, I'll most definitely be sending that Christmas card in the mail! 🙂 Thank you.

Hillary L.

20:49 07 Oct 25

Patrick answered absolutely every single question I had. It made a very stressful situation a lot easier to understand and how to move forward.

Shannon C.

16:49 29 Sep 25

Patrick was consulted on my possible bankruptcy case. He was quick to respond, very informative and professional.

Perry T.

23:38 15 Sep 25

I consulted Patrick Riley on my Bankruptcy case and couldn't be more grateful to have him on my side. Communication has been excellent and he patiently answered every single question that I had without making me feel rushed. He is very knowledgeable and easy to talk to. Everything was explained clearly to me. I can’t thank him enough for taking me on as a client. If you are looking for a competent, high quality attorney I highly recommend Patrick.

Shelly S.

02:24 15 Sep 25

Mr. Riley is amazing. Called for information about a difficult and very stressful situation. He was not only informative, but so kind and understanding. We will be working together more and my husband and I look forward to his assistance. Thank you for your time, and kindness.

Lindsey

14:40 27 Aug 25

Grateful for the guidance Patrick provided. He is incredibly knowledgeable, personable, and prompt. Wish I had reached out sooner!

How we help families and small businesses

Free consultation

Same-day callbacks for urgent matters.

Keep Your Home

May pause foreclosure and set a catch-up plan.

Keep Your Car

Options to stop repossession and cure missed payments.

Steady Your Business

Restructure debt to keep operating. Stabilize cash flow and operations.

North Carolina Bankruptcy Attornys

Richard P. Cook

Founded in 2011 by experienced Bankruptcy attorney Richard P. Cook, Cape Fear Debt Relief is a boutique bankruptcy firm located in Wilmington, N.C. Cape Fear Debt Relief represents individuals and small businesses in Chapter 7, 11 and 13 cases before the U.S. Bankruptcy Courts in Eastern North Carolina. Cape Fear Debt Relief is known for its personal touch, with all clients given the individual attention they require.

Our Mission: Cape Fear Debt Relief was established with the prime aim of helping individuals facing economic adversities. We believe in providing tailored attention to each client while robustly defending their interests in both Bankruptcy and State Courts.

Our Commitment: Debt can be debilitating, both financially and emotionally. At Cape Fear Debt Relief, we pledge unwavering support to ensure that you attain the debt relief you desperately need and to help reclaim your peace of mind.

Since 2008, Mr. Riley has focused his practice on business and consumer bankruptcy matters. He has helped thousands of individuals and business owners navigate through the bankruptcy process. In 2010, Mr. Riley was appointed as Special Counsel to the Chapter 7 Trustee and served in that role until the trustee retired. Mr. Riley enjoys assisting clients with credit and personal finance matters. He was formerly an Accredited Financial Counselor ® and published “I Hope I Never See You in My Office” in May 2011.

Patrick Riley

Experience

Richard P. Cook has been practicing law for over two decades. He founded Cape Fear Debt Relief after representing banks in Winston-Salem, which has allowed Richard to becoming a notable Bankruptcy Attorney in Wilmington. His knowledge and experience allowed him to acquire a NC State Bar Board Certified Specialist in Business and Consumer Bankruptcy Law, he continues providing unmatched financial guidance to those in distress.

Approachable

Our location in the heart of Wilmington allows us to serve the Eastern North Carolina region with a personalized approach tailored specific to this community. Our close-knit team will ensure proper communication throughout our representation.

Resource

Mr. Cooks experience in Bankruptcy at the state and federal level coupled with extensive work in settlements makes him an excellent resource for you no matter what your situation calls for.

Protect your home. Protect your business.