Felden and Felden, P.A. handles Chapter 7 and 13 bankruptcy, including foreclosure, repossession, garnishment, eviction, and unpaid-tax matters in Florida and North Carolina.
Chapter 7 cases involving unsecured credit card or medical debt and limited assets
Chapter 13 cases involving foreclosure or vehicle repossession
North Carolina filers seeking to pay attorney fees through a Chapter 13 plan
How much does filing for bankruptcy in North Carolina cost?
Costs include court filing fees and attorney fees, which vary by case and chapter. Felden and Felden states that North Carolina Chapter 13 attorney fees can be paid through the repayment plan, along with an administrative fee and court filing fee.
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 generally addresses qualifying unsecured debts through liquidation rules, while Chapter 13 uses a repayment plan that can last up to five years and may help catch up on mortgage or vehicle payments.
How quickly can bankruptcy stop a garnishment, foreclosure, or repossession?
The automatic stay generally takes effect when a bankruptcy petition is filed, which can pause many collection actions. Exceptions apply, and cases involving an imminent sale, repossession, or eviction should be discussed with a bankruptcy attorney promptly.
What must I do before filing bankruptcy in North Carolina?
Individuals generally must complete approved credit counseling before filing and a debtor-education course after filing to receive a discharge. The means test and North Carolina exemption rules may also affect eligibility and what property can be protected.