James "Charlie" Livermon is a Chambers-ranked attorney with a robust practice focused on creditors' rights and bankruptcy. A board-certified specialist in business and consumer bankruptcy, he has represented secured and unsecured creditors in Chapter 7, 11, 12 and 13 bankruptcy cases in all bankruptcy districts in North Carolina. He has significant experience in commercial loan workouts, restructurings, receiverships, foreclosures and other pre- and post-judgment remedies, and has defended lenders and creditors in lender liability actions, contract disputes, fraud, misrepresentation and unfair and deceptive trade practices in state and federal courts.

Charlie has been named by Business North Carolina as one of its Legal Elite in both Creditor Rights and Bankruptcy, and, in 2015, was named to its Hall of Fame.

Civic and Professional Activities

  • President, North Carolina Creditors Bar Association 2016
  • Council Member, Bankruptcy Section, North Carolina Bar Association
  • Board-Certified Business and Consumer Bankruptcy Specialist, North Carolina State Bar Legal Specialization
  • Receivership Statute Revisions Committee Chair, North Carolina Bar Association
  • Contributing Author, North Carolina Bar Association Practice Manual
  • Contributing Author, Thomson Reutors Practical Law Guide
  • Pro Se Strategic Planning Committee Member, United States Bankruptcy Court for the Eastern District of North Carolina 
  • Member, Nash-Edgecombe Bar Association

Honors and Awards

  • Chambers USA Ranked Lawyer, Bankruptcy/Restructuring, North Carolina, 2016 – Present
  • Recognized in The Best Lawyers in America (BL Rankings) in the fields of Bankruptcy and Creditor Debtor Rights / Insolvency and Reorganization Law, 2013 – Present
  • Recognized in North Carolina Super Lawyers (Thompson Reuters) (2014-2023)
  • Top 100 North Carolina Super Lawyer for Creditor Debtor Rights
  • Recognized in Business North Carolina magazine's Legal Elite Hall of Fame
  • Business North Carolina magazine's Legal Elite Top Lawyer for Bankruptcy



Any result the lawyer or law firm may have achieved on behalf of clients in other matters does not necessarily indicate similar results can be obtained for other clients.

  • Assists lenders in workouts and restructures of complex business transactions
  • Represents creditors in commercial collections and foreclosures
  • Represents receivers in winddown and liquidation of distressed businesses
  • Represents secured and unsecured creditors, including unsecured creditors committees, in Chapter 11 bankruptcy cases
  • Represents secured creditors, including national and regional banks and other lending institutions in obtaining relief from the automatic stay, objecting to confirmation and challenging valuations of collateral
  • Represents creditors in adversary proceedings in bankruptcy cases involving preferential and fraudulent transfers
  • Represents banks and other lending institutions in receivership, collection, foreclosure and replevin actions across North Carolina
  • Represents unsecured and student loan creditors in consumer and commercial bankruptcy cases including objecting to discharge and dischargeability of particular debts
  • Regularly practices in all Bankruptcy Courts and many state courts in North Carolina