How Do You File Bankruptcy in North Carolina?

To file for bankruptcy in North Carolina, you will choose the appropriate bankruptcy chapter, gather all relevant financial documents, obtain, complete, and submit required forms, create a comprehensive list of all creditors, and attend required meetings with creditors and trustees.

When our team prepares your case, we explain the benefits of filing and the steps that govern how you file bankruptcy in North Carolina. We also do the legwork and hard work of gathering your documents and forms, submitting them for you, and representing you in any required court or other appearances.

Review Potential Bankruptcy Chapters

Deciding to file for bankruptcy and understanding its benefits is a complex enough decision. Understanding each option and choosing the right chapter on your own can be even more difficult. When we manage your case, we explain the following choices and help you make the right one for you:

• Chapter 7 bankruptcy – debt relief without loss of property for individual filers
• Chapter 11 bankruptcy – debt reorganization for individual and business filers
• Chapter 12 bankruptcy – debt adjustment for family farmers and fishermen
• Chapter 13 bankruptcy – debt adjustment for filers with regular income

Our team will explain each possible chapter as well as which one best fits your specific needs and offers the greatest amount of debt relief. 

Attend All Required Meetings

Throughout the bankruptcy process, you may need to attend one or more meetings or court sessions. Our team will explain each meeting’s purpose and probable outcome and attend meetings with you. 

The meeting of creditors, as described in 11 US Code § 341, requires you to meet with your creditors and give them the opportunity to ask questions about your debt and financial status. Your trustee will also share how bankruptcy will affect your credit history at this meeting. In most states, the federal court appoints the trustee. In North Carolina, however, bankruptcy administrators, not trustees, handle the pre-approval process and approve credit counseling agencies.

For a legal consultation with a lawyer serving North Carolina and South Carolina, call 828.286.3866

Gather Financial Documents

U.S. Bankruptcy Courts in North Carolina and the federal court will require an incredible array of paperwork and forms as part of the filing process. Because the sheer volume of documents can be overwhelming, our team handles this part of your case for you. We will collect:

• Tax records
• Bank statements
• Outstanding bills 
• Relevant receipts
• Vehicle leases
• Mortgage statements

We may also request copies of any correspondence with your creditors, salary history, and other documents that strengthen your case. When all forms and documents are complete, we prepare and submit them on your behalf. Our goal is to create a complete and accurate case file that includes all the documents we need for an effective filing and resolution.

Create a Creditor List

Your creditor list is a key part of the bankruptcy process, which makes getting it right important. If a creditor is inadvertently left off your list, they will not be informed of your pending bankruptcy, and you may continue to struggle with intrusive and invasive collection actions.

A creditor is any person or entity with whom you have a debt. When we help you establish your creditor list, we include every creditor from utility companies to mortgage holders. The creditor list is only one of many forms North Carolina and federal bankruptcy courts require. Our client support team will help you obtain, decipher, and submit all required forms. 

Client Reviews and Testimonials

Each client we represent is a priority, so our team treats you like a person, not a file. When they leave reviews on our testimonials page, previous clients say:

• “This was my first experience having to deal with bankruptcy. Yes, it was frustrating, but Caleb Farmer and Sandie made things as simple as possible… If you ever need to declare bankruptcy… they are an excellent choice!” – Chad S
• “Hannah Davies… made everything clear and easy to understand. Her staff was very helpful and professional. I highly recommend the Farmer & Morris Law Firm.” – D M
• “I have used this law firm for multiple different services. They are hands down the best… Mrs. Valentine and Alexis handled everything for me with very short notice. I would recommend Farmer & Morris to anyone.” – Jessica Hill

When you hire our bankruptcy team, we represent you with the same commitment and compassion we extended to each of these clients. 

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Get Help Filing for Bankruptcy in North Carolina

Is overwhelming debt making daily life difficult for you and your family? We can help. When our Farmer & Morris Law, PLLC, team represents you, we handle the details of your case so that you can focus on creating a new financial future. Contact one of our team members to get started by calling (828) 286-3866 today.

Call or text 828.286.3866 or complete a Case Evaluation form