February 8, 2023

Volume XIII, Number 39

James S. "Charlie" Livermon III

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.


  • 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 

Articles in the National Law Review database by James S. "Charlie" Livermon III