Your Business Partner. Call us to set up your consultation: 252.633.1930

  • New Year Estate Planning

    It’s 2019! Every new year brings changes and goals that we want to accomplish. While you’re making a list of 2019 to-do’s be sure to add updating or planning your estate to the list. We’ve added a quick graphic that breaks down the basic differences between Wills and trusts, two common ways to plan your estate.

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    Regardless of which you choose both are great options for planning your estate during your lifetime as well as taking care of your loved ones after you’re gone. To learn more about which tool may be right for you call us at Oliver and Cheek to schedule an appointment.

    For more information or to schedule a consultation, please contact Oliver & Cheek, PLLC by calling (252) 633-1930 or visiting

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  • Congratulations to our new Partners

    The Law Offices of Oliver & Cheek, PLLC have recently named Benjamin R. Eisner and Ciara L. Rogers as Junior Partners with the firm. Oliver & Cheek, PLLC is a full service business firm providing legal services to large-sized business, professional associations, limited liability companies, partnerships, joint ventures, non-profits, and individuals.

    We are honored to have Ben and Ciara as junior partners with the firm. They both have excellent and established reputations in their fields. This will continue to be an asset to not only our firm, but to the people in Eastern North Carolina who benefit from their services,said George Oliver, Managing Partner.


    Benjamin R. Eisner received his B.A. degree in American Studies from the University of North Carolina, his MPA from the University of North Carolina School of Government and his J. D. from Campbell University School of Law. He is a member of the NC Bar Association. His focus is on business law, bankruptcy, civil litigation, workouts and alternatives to bankruptcy, and foreclosure defense. He has been with Oliver & Cheek, PLLC since 2010 (?).


    Ms. Rogers received her B. S. degree in Political Science from Averett University and her J. D. from North Carolina Central University School of Law. She is a member of the North Carolina and Virginia Bar Associations. Her focus is on Debtorsand CreditorsRights, Chapter 11 Bankruptcy and Representing Chapter 11 and 7 Bankruptcy Trustees, General Litigation, and Employment Law.


    Before joining Oliver & Cheek, Ciara was a law clerk to the Honorable J. Rich Leonard and the Honorable Randy D. Doub of the Eastern District of North Carolina Bankruptcy Court. She also served as a magistrate judge under the Supreme Court of Virginia from 2009 to 2010. Ms. Rogers also interned with the Bankruptcy Administrator of the Eastern District of North Carolina, in 2008. She has been with Oliver & Cheek, PLLC since 2012 (?).


    Oliver & Cheek, PLLC is a full service business firm providing a wide range of legal services to clients in North Carolina. Major practice areas include bankruptcy; employment law; alternatives to bankruptcy; business law; estate planning and administration; receiverships; commercial real estate; tax planning and controversies; and state and federal civil litigation. Oliver & Cheek, PLLC has offices in New Bern, Greenville, Raleigh, Wilmington, and Wilson, NC.

  • End of Year tax planning

    As 2018 comes to an end many of us are thinking about filing and planning our taxes for this year and next. Tax planning can seem like a daunting task, our Attorneys at Oliver & Cheek can help you with understanding and navigating your unique tax situation. We are sharing some of the most common aspects of tax planning to help get you started. For more information or to schedule a consultation, please contact Oliver & Cheek, PLLC by calling (252) 633-1930 or visiting

    Tax planning is assessing what your tax liabilities will be and creating a way to help reduce those liabilities. For example one of the most common ways to help reduce taxes is to invest in an IRA (independent retirement account). Investments made in an IRA are tax free until they are removed from the account. By contributing to an IRA you are deducting that contribution from your overall taxable income. Potentially putting yourself in a lower tax bracket, along with saving money for the future. With the right tax planning methods you can increase the future value of your portfolios. To get started schedule a consultation with Oliver & Cheek, PLLC. Our team of attorneys are well versed in all areas of state and federal tax law.

    The attorneys at Oliver & Cheek, PLLC possess outstanding advocacy skills and a wealth of knowledge and experience in all areas of state and federal tax law. If you’re planning for future needs, facing a tax challenge, or buying or selling real estate, we will partner with you to navigate and resolve even the most strenuous tax issues.
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  • Sears Files for Chapter 11 Bankruptcy

    Former retail giant Sears filed for chapter 11 bankruptcy on Monday of this week. They have a plan in place for how to revive the company, that includes closing at least 142 stores, and are seeking creditors to keep them afloat instead of having to liquidate the company. The law offices of Oliver & Cheek are well versed in the ins and outs of business law, and are here to help your large or small business through any situations. Today we are digging into different versions of bankruptcy and how Sears’ bankruptcy filing choice can help you learn which is best for your business when facing a financial struggle.

    Filing for chapter 11 bankruptcy is used by large businesses to reorganize debts and continue operations. Corporations, partnerships, and LLCs are not allowed to file for relief under Chapter 13, thus Chapter 11 would be the only option for these entities if reorganization is needed. If a company files for relief under Chapter 7 it must end operations upon the filing of the case. In North Carolina the bankruptcy administrator supervises the case. A Chapter 11 plan is submitted to the court detailing the proposed treatment of secured and unsecured claims and a judge then approves or confirms the plan. The plan—which details creditors to be paid, how much they are paid, and how long the plan lasts—is then implemented. Usually plans for small businesses last three to five years. Sears chose chapter 11 because it allowed them the flexibility to reorganize, stay open through the holidays, and then continue in their reorganization strategy into the new year. For Sears and many other businesses this is a great choice, and can breathe new life into the company, eventually allowing it to completely revive itself. Where Ch 7 is final Ch 11 provides needed flexibility in keeping a business alive.

    Two other forms of bankruptcy are Ch 12 and Ch 13. Both are inherently different in their strategies as well.

    Ch 12  is used by farmers or commercial fishermen to reorganize their debts and continue operating their farms or fishing operations. The advantage of Chapter 12 is that the reorganization plan will allow payments to be made seasonally, when the farmer or fisherman earns his money. The limitation of only being able to restructure loans in a five-year period in Chapter 13 cases is not a limitation in Chapter 11 or Chapter 12 cases. A corporation, partnership, or LLC, along with individuals, are eligible for relief under Chapter 12 as family farmers or family fishermen.

    Ch 13 is a “reorganization” bankruptcy that allows a person to repay some or all debts. The amount paid to creditors is based on what you want to keep, what you earn, and how much non-exempt property you have. Those who choose this option are usually behind on their house and car payments, but desire to catch up on those payments to keep the property. This option does not necessarily mean all creditors will be paid in full—it is a way to repay taxes to the IRS or North Carolina Department of Revenue as there are no penalties when you pay through a Chapter 13 plan.

    All of us here at the law offices of Oliver & Cheek understand that no one option will be entirely perfect for your business. For many filing for bankruptcy is the last resort, we are here to help guide you through the process, helping you pick the best strategy and ultimately trying to save your business. For more information feel free to contact us today!

    At Oliver & Cheek business law is one of our specialties and we are here to help you through all of your business needs, organization and beyond. For more information or to schedule a consultation, please contact Oliver & Cheek, PLLC by calling (252) 633-1930 or visiting

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  • Business Succession Plans

    For many, owning your own business is one of the most important things in your life. The thought of being ready to pass on the business you have poured many hours into doesn’t seem to be in the near future. Yet wherever you are in the process of owning a business, be it new, well seasoned, or ready to retire having a business succession plan is necessary to ensure that a change of hands for any reason will go smoothly and with as little stress as possible. At Oliver & Cheek we are experts in business planning and are here to answer all of your questions regarding creating or updating a business succession plan.

    Picking a successor or deciding to sell the business as a whole upon the owners retirement or death is the first step in building a business succession plan.

    If selling the business isn’t an option then picking a successor to take over once the owner leaves is the next, but more complex, choice. A successor can be a competent family member, assistant or business parter set to step in once the owner leaves. However, sometimes there are multiple partners within a business that may not want the successor chosen to take over. A Buy-Sell agreement can be worked out between remaining partners, so that those who do not want a successor can sell back their portion of the business to the remaining partners.

    When a business owner decides to sell the business upon retirement or death a valuation of the business or that owners part of the business needs to be conducted. A CPA can help with this process or an agreement between all remaining partners can be reached to settle the value of the total business or the share that has left. If the partners had business life insurance policies that can be used to purchase a deceased partners shares there are a variety of purchase agreement that can be used. For more information schedule an appointment with one of our highly-skilled attorneys to create a plan to best fit your needs.

    Ultimately having a business succession plan creates an ease in the settling of the owners estate, and provides an already established valuation of the business between partners and owners.

    At Oliver & Cheek business law is one of our specialties and we are here to help you through all of your business needs, organization and beyond. For more information or to schedule a consultation, please contact Oliver & Cheek, PLLC by calling (252) 633-1930 or visiting


    (sources: investopedia, forbes)
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