Best Bankruptcy Lawyers Fayetteville, NC

Fayetteville, NC Bankruptcy FAQs

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

  You can file your Fayetteville bankruptcy case at the United States Courthouse 3rd Floor 301 Green Street Fayetteville, NC 2830.

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

  You can download forms for your Fayetteville bankruptcy here https://www.uscourts.gov/forms/bankruptcy-forms. After filling it out, you can print the form and file it on the court.

• What types of debts are not covered when filing for Chapter 13 bankruptcy in Fayetteville?

  Certain types of debts cannot be discharged even when you file for a Chapter 13 bankruptcy in Fayetteville, such as:

  • Debts incurred due to DUI charges
  • Domestic support obligations
  • Restitution and criminal fines
  • Student loans, unless the bankruptcy court determines that making payments would put an unfair burden on the debtor
  • Debts incurred due to fraudulent behavior

• What are the advantages and disadvatages of filing a chapter 13 bankruptcy in Fayetteville, NC?

  One of the advantages of filing a Chapter 13 bankruptcy in Fayetteville is that it can stop the foreclosure of your properties, giving you time to catch up on payments. It can also prevent the repossession of your motor vehicles and mobile homes. Non-support marital responsibilities may also be discharged. However, you will devote your disposable income into paying your debts. It will also result in a negative entry on your credit report. Additionally, you would have to surrender your credit cards.

• What should you expect from creditors after filing for bankruptcy in Fayetteville?

  Once you have filed for bankruptcy in Fayetteville, creditors will receive a notice from the court about your bankruptcy. This process can take a few weeks after the date of your filing, but creditors are expected to cease collecting efforts immediately. If your creditor does not comply with this notice, they may be issued court sanctions and be liable for some of your attorney fees.

• Do you have to go to court after filing for bankruptcy in Fayetteville?

  After filing for bankruptcy in Fayetteville, you only need to attend the "meeting of creditors" to speak with the bankruptcy trustee and any interested creditors. This discussion will often be brief and straightforward, consisting of a few questions concerning your bankruptcy paperwork and financial status. If an issue develops with your bankruptcy case or you decide to contest a debt, only then will you be required to attend a hearing before a court summons is issued.

• When should you consider filing for bankruptcy in Fayetteville?

  You should consider filing for bankruptcy in Fayetteville if one or more of the following circumstances apply to you:

  • The amount of your overdue bills is greater than what you can manage in the foreseeable future
  • Your credit report is severely damaged
  • You are experiencing harassment from creditors and collection agencies
  • At least one of your secured creditors is already threatening repossession or foreclosure