5 Steps to File Bankruptcy in NC

nc bankruptcy processFiling Chapter 7 or 13 bankruptcy in North Carolina may be a foreign process if you have never experienced it before. Our bankruptcy attorneys in Raleigh review the filing process with you during a free case evaluation,which you can schedule by contacting our attorneys.

In addition to reviewing North Carolina exemptions in bankruptcy with you (federal exemptions do not apply here) so that exemptions will be classified appropriately, our attorneys also review necessary steps you need to take before filing.

5 Steps for Filing Bankruptcy in NC:

  1. Within 6 months prior to filing for bankruptcy you must meet with a credit counselor and retain proof of this meeting.
  2. Compile all necessary financial information on correct forms.
  3. File for bankruptcy in: The district where you have resided for at least 180 days prior to filing OR the district where you currently reside and plan to stay.
  4. You will need to complete a debtor education course after filing bankruptcy.
  5. If your case moves along without complications, your debts will be discharged, but only if you complete debtor education. (Learn about undischargable debts in bankruptcy.)


Our bankruptcy attorneys in Raleigh guide you through this process, complete documentation, and ensure that all critical deadlines are met. Depending on whether Chapter 7 or Chapter 13 bankruptcy is best for your situation, you may be able to retain certain properties. All of these variables are unique to your particular bankruptcy situation, which an attorney can explain.