Heather W. Culp

Essex Richards

Heather W. Culp has practiced law for over 20 years, in various areas of civil (non-criminal) litigation and in strategies to avoid litigation. The majority of her caseload involves bankruptcy, debtor/creditor relations, business disputes, and other legal issues involving debt, credit or money owed.

Her clients are individuals, families, and small business owners with tax, debt or credit issues who are unable to pay their debts in full, and creditors who are owed money. She handles asset planning and protection, collections, exemption planning, debt relief and debt settlement, personal and business reorganization, guaranties, contracts, foreclosures, and many other disputes pertaining to finances.

In addition, Heather has significant experience litigating and otherwise resolving discharge and dischargeability issues that can arise in bankruptcy cases, and she regularly serves as a substitute trustee in commercial foreclosures in the greater Charlotte area. She has served as a receiver and as the attorney for receivers and bankruptcy trustees.

Heather is a reliable volunteer with local bar associations, having served as 2017-2018 president of the Mecklenburg County Bar, a 5400 member professional organization based in Charlotte. She served on the Board of Governors of the North Carolina Bar Association and North Carolina Bar Foundation (2015-2018).

She also volunteers with Charlotte Center for Legal Advocacy (formerly Legal Services of Southern Piedmont) and Legal Aid of North Carolina, Inc., handling cases for people who would otherwise be unable to afford representation. Heather is proud to chair the 2018-2019 Access to Justice Campaign to raise funds to benefit these two local pro bono agencies.


  • University of Kentucky College of Law (Lexington, Kentucky), J.D., 1997
  • Miami University (Oxford, Ohio), B.A. in English Literature, Cum Laude, 1994

Professional Associations:

  • Chair, Access to Justice Campaign (2018-2019)
  • Mecklenburg County Bar
  • North Carolina Bar Association
  • Lawyers Mutual Insurance Company of North Carolina Charlotte Community Board (2016-present)
  • American Bankruptcy Institute


Rate : $$$

What types of cases Attorney Heather W. Culp & Essex Richards can handle?
Essex Richards can handle cases related to laws concerning Litigation, Debt Settlement, Bankruptcy. We manually verify each attorney’s practice areas before approving their profiles and reviews on our website.
Where is Essex Richards located?
Essex Richards is located at 1701 South Blvd, Charlotte, NC 28203, USA. You can reach out to Essex Richards using their phone line 704.377.4300. You can also check their website essexrichards.com.
How much would it cost to hire Essex Richards?
Heather W. Culp lawyer charges are specific to each case. However, they work with contingency fees and its ranges from $$ to $$$. They also provide free consultation [and no obligation quotes] if you are interested to hire.
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Essex Richards
South Boulevard 1701
Charlotte 28203 NC US
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