Since 1996, we have been providing highly attentive personal service and vigorous, effective legal representation to our clients, helping people eliminate debt and stop creditor harassment by filing Chapter 7 and Chapter 13 Bankruptcy. Financial rehabilitation also includes rebuilding one’s credit by achieving a 720+ credit score 12+ months post-bankruptcy, and learning sound money management principles. Non-bankruptcy debt relief options are also offered, such as foreclosure defense, debt settlement and mortgage loan modifications. We also conduct residential real estate settlements, assisting our clients with purchasing or refinancing of real estate.

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Ms. Carroll considers it her personal mission to help Delawareans save their homes from foreclosure, standing up to mortgage companies in Delaware Superior Court and the U.S. Bankruptcy Court. As a result of one of our cases, Shrewsbury v. Bank of N.Y. Mellon, 160 A.3d 471, 2017 Del. LEXIS 155 (Del. 2017), the Delaware Supreme Court held that a foreclosing mortgagee must also have the right to enforce the underlying promissory note.

Ms. Carroll has been practicing law for over 23 years. She obtained her Bachelor’s Degree in Economics from San Francisco State University in San Francisco, California. She studied at Widener University School of Law, in Wilmington, Delaware, obtaining her Juris Doctor’s Degree. Ms. Carroll next served as a Judicial Law Clerk for the late Honorable Haile L. Alford, in the Delaware Superior Court, as well as for the Honorable Peter J. Walsh in the Federal U.S. Bankruptcy Court, District of Delaware. Ms. Carroll also served as a Prosecutor, and then Bankruptcy Attorney for the City of Wilmington Law Department. Afterward, Ms. Carroll entered private practice, working as a Bankruptcy, Real Estate and Immigration attorney for the Law Firm of Ann Massey Badmus, Esquire, prior to opening Cynthia L. Carroll, P.A. in 1999.

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Before your first consultation with us, please fill out our Delaware bankruptcy forms.