Best Bankruptcy Lawyers Durham, NC

Durham, NC Bankruptcy FAQs

• Where do I file for bankruptcy in Durham, North Carolina?

  You can file for bankruptcy in Durham at the United States Bankruptcy Court, Eastern District of North Carolina. You can call 919-856-4752 or email NCEBml_EmergencyFiling@nceb.uscourts.gov if you need assistance.

• Where can I get bankruptcy forms in Durham, North Carolina?

  You can obtain Durham bankruptcy forms from the United States Court website. You can access and download forms using this link: https://www.uscourts.gov/forms/bankruptcy-forms

• Why do some debtors in Durham choose to file Chapter 13 over Chapter 7?

  Debtors in Durham choose to file Chapter 13 over Chapter 7 because sometimes they need bankruptcy relief for conversion or refining and for future medical bills. In some cases, they owe debts that can be discharged in Chapter 13 but not in Chapter 7, and they are not eligible to obtain a Chapter 7 discharge.

• Do you need to go to court if you are dealing with a Durham bankruptcy case?

  No. You are not required to go to court if you are dealing with a bankruptcy case in Durham. For Chapter 7, you just need to attend a meeting with the bankruptcy trustee and creditors. They will ask you questions about your financial situation. For Chapter 13, it involves a creditor's meeting with a trustee. You can hire a lawyer to represent you during meetings or court hearings.

• If you are a new resident in Durham, do you need to wait before filing for bankruptcy?

  According to the bankruptcy venue statute (28 USC 1408), Durham individuals should establish their proper location before filing for bankruptcy. You should first prove that you have lived in the place for 180 days. If you have lived in two places, you should at least stay in one place for more than 90 days.

• Can a father stop his alimony and child support during his Durham bankruptcy?

  No. A father cannot stop his alimony and child support during his Durham bankruptcy. In North Carolina, a debtor is required to stay current with all his or her domestic obligations, including child support and alimony even if he or she has filed for bankruptcy. If a father fails to give his financial support, the bankruptcy can be dismissed.

• How long does it take to improve your credit score after bankruptcy in Durham?

  Debtors in Durham can only improve their credit scores once bankruptcy marks are removed. It means that the duration of their improvement depends on what kind of bankruptcy they filed for. For Chapter 13, bankruptcy stays on credit reports for seven years, while for Chapter 7, bankruptcy stays on credit reports for 10 years.