Best Bankruptcy Lawyers High Point, NC

High Point, NC Bankruptcy FAQs

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

  You can file your bankruptcy petition with the United States Bankruptcy Court for the Middle District of North Carolina, located at the United States Bankruptcy Court Middle District of North Carolina, 101 South Edgeworth Street, Greensboro.

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

  You can obtain bankruptcy forms from The United States Bankruptcy Court for the Middle District of North Carolina’s website at https://www.ncmb.uscourts.gov/forms/all-forms.

• What types of debt cannot be eliminated through chapter 7 bankruptcy in High Point?

  Certain types of debts are not dischargeable through chapter 7 bankruptcy in High Point. These debts include alimony, child support, student loans, tax obligations, and damages resulting from criminal restitution, including drunk driving-related incidents. If you have these types of debts and file for chapter 7 bankruptcy to eliminate your unsecured debts like credit card bills and medical expenses, you will still be responsible for repaying these non-dischargeable debts even after receiving a discharge from bankruptcy.

• Can you remove a bankruptcy from your credit report in High Point?

  Filing for bankruptcy in High Point will be noted on your credit history, with chapter 7 bankruptcy remaining for 10 years and chapter 13 for seven years. Once this time passes, the bankruptcy should be removed automatically. However, it's important to note that accurate bankruptcies cannot be removed early. If you find any inaccuracies or incorrect information regarding the bankruptcy entry on your credit report, you have the right to dispute it under the Fair Credit Reporting Act (FCRA).

• Can you exclude a credit card from a chapter 7 bankruptcy filing in High Point?

  No, you cannot exclude a credit card from a chapter 7 bankruptcy in High Point. Bankruptcy laws require that all debts, including credit card debts, must be listed in the bankruptcy petition without exceptions. This means that even if you have no outstanding balance on a credit card, it is still necessary to include it in your bankruptcy documents.

• Can an individual file for bankruptcy without a lawyer in High Point?

  Yes, individuals in High Point have the choice to file for bankruptcy without the assistance of a lawyer. This process is known as filing pro se, where individuals take on the responsibility of completing the required bankruptcy forms on their own. However, it is essential to recognize that the bankruptcy filing process may be complex and hard to navigate. Hiring a lawyer is highly recommended to make sure that all legal requirements will be followed for their case.

• Will bankruptcy stop creditor harassment and collection activities in High Point?

  Yes. Filing for bankruptcy in High Point stops creditor harassment and collection activities by triggering an automatic stay, which immediately puts a halt to creditor harassment. This means that once the bankruptcy process begins, creditors and their representatives are legally prohibited from engaging in any collection activities or harassing you for payment.