Cary Bankruptcy Resources | Legal Help & Factual Resources
Helpful Information for Bankruptcy Filings in
Cary — Wake County — North Carolina
View the Bankruptcy Rules
View the Bankruptcy Code
View the Federal Rules of Evidence
PACER (Public Access to Court Electronic Records)
If you have previously filed a bankruptcy case in the State of North Carolina or any other state, you can search PACER to obtain information about your case and download copies of the documents. There might also be other court documents pertinent to your bankruptcy filing that you will be able to locate on PACER.
Anyone can set up a PACER account. There are charges for files accessed and downloaded. www.pacer.gov
U.S. Bankruptcy Courts:
www.uscourts.gov/bankruptcycourts.html
North Carolina Southern District Bankruptcy Court
Wake County bankruptcy cases will be filed with this bankruptcy court:
434 Fayetteville Street, Suite 620
Raleigh, NC 27601-2941
(919) 856-4752
Counties Served: Beaufort, Bertie, Bladen, Brunswick, Camden, Carteret, Chowan, Columbus, Craven, Cumberland, Currituck, Dare, Duplin, Edgecombe, Franklin, Gates, Granville, Greene, Halifax, Harnett, Hertford, Hyde, Johnston, Jones, Lenoir, Martin, Nash, New Hanover, Northhampton, Onslow, Pamlico, Pasquotank, Pender, Perquimans, Pitt, Robeson, Sampson, Tyrrell, Vance, Wake, Warren, Washington, Wayne, Wilson
An experienced Cary Bankruptcy Lawyer will know the federal laws governing bankruptcy, but will also be familiar with the Local Bankruptcy Court Rules that are specific to each district, and sometimes specific to individual bankruptcy judges. Contact a Wake County Bankruptcy Attorney for a free initial consultation regarding Chapter 7, Chapter 13, Chapter 11, or Chapter 12.
Cary 341 Meeting Room Location
As soon as a bankruptcy case is filed, a date is set for the Meeting of Creditors, also known as the 341 Meeting. This meeting gives creditors the opportunity to question the debtor (you) about monies owed and property owned. An average 341 Meeting lasts about 3 to 4 minutes. Your Cary Bankruptcy Lawyer will explain the meeting to you and accompany you to the meeting.
The meeting room location is:
434 Fayetteville Street, Suite 620
Raleigh, NC 27601-2941
(919) 856-4752
U.S. Trustee
www.usdoj.gov/ust
Bankruptcy Administrator
When your bankruptcy case is filed with the Court, a Bankruptcy Administrator will be assigned to your case. The Bankruptcy Administrator for the Southern District of North Carolina are:
Ms. Marjorie K. Lynch
Bankruptcy Administrator
Post Office Box 3758
Wilson, NC 27895-3758
(252) 237-6854
Credit Counseling Services in the Cary area:
All individuals (not business entities) are required to complete credit counseling before their bankruptcy case can be filed – for all chapters of bankruptcy, including Chapter 7, Chapter 13, Chapter 12, and Chapter 11. After the case is filed, individuals must complete the second half of the course which is called debt management. View the Federal Trade Commission's brochure with consumer information about credit counseling and debtor education.
Credit counseling services must be approved by the bankruptcy court in order to provide these classes. In the Cary area, these providers have been approved:
Consumer Credit Counseling Services
Cary, NC 27511
(919) 462-1618
Consumer Credit Counseling Services
700 Blue Ridge Road 101
Raleigh, NC 27606
(919) 821-1770
For other approved providers in the Cary area, visit the U.S. Dept. of Justice website.
www.justice.gov/ust/eo/bapcpa/ccde/de_approved.htm
Credit Reporting Agencies:
Your Cary Bankruptcy Attorney may have you sign an authorization form so your credit report can be downloaded directly or you may be asked to obtain your free annual credit report yourself and submit it with your other bankruptcy documentation.
You are entitled to a free annual credit report from the three nationwide credit reporting companies. Don't be tricked by TV ads, email offers, or website banner ads into paying for your credit report. The only authorized source for your free credit report is AnnualCreditReport.com. Visit the Federal Trade Commission's website for more information about your free annual credit report.
Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
http://www.equifax.com
TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
http://www.transunion.com
Experian
National Consumer Assistance Center
P.O. Box 949
Allen, NC 75013-0949
1-800-682-7654
http://www.experian.com
Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358
Tax Returns:
You will be required to file copies of your tax returns for the past 2-3 years; submitting them either to the Trustee or the Bankruptcy Court, depending on local bankruptcy rules.
Federal Tax Returns:
For Information on how to obtain a Tax Return Transcript from the Internal Revenue Service, visit the IRS website or call 1-800-908-9946.
State Tax Returns:
You will need to submit state income tax returns if, during the past 2-3 years, you lived in a state that imposes state and/or local income taxes. (There are 43 states in the United States that have a state income tax.) Contact the state's taxing authority if you need to obtain copies of your tax returns from any of these states.
Vehicle Valuations:
You will need a fair and accurate value for any vehicles you own as of the day of filing your bankruptcy case. You can use online sources, but it is sometimes more accurate to get an estimate from a local used car dealer. Local car dealers have a better idea of what someone would actually pay for a vehicle in their city, which is not always the same as the value in the car buying guides.
Online Vehicle Valuations:
NADA - www.NADA.com
Kelly Blue Book - www.kbb.com
Edmunds - www.Edmunds.com
Local Used Car Dealers (for obtaining vehicle valuations):
Cary Auto Sales
504 East Chatham Street
Cary, NC 27511
(919) 481-3311
Hendrick Dodge
81 Mackenan Drive
Cary, NC 27511
(919) 388-4555
Ryan's Auto World
8360 Chapel Hill Road
Cary, NC 27513
(919) 342-5545
Appraisals and Valuations for Real Estate (Real Property)
A fair and accurate value for your real property must be listed on your bankruptcy forms (Schedule A). Although some Trustees and Bankruptcy Courts will use the value assigned to your property by your local tax assessor, it is beneficial to have a local expert, such as a Cary real estate agent, give you a valuation on your property.
Some local Cary area realtors include:
Boylan Realty Company
410 North Boylan Avenue
Raleigh, NC 27603
(919) 256-3630
Frank Ward, Realtors
518 S. Duke Street
Durham, NC 27701
(919) 688-5811
Griffin Associates Realtors
1816 Front Street 110
Durham, NC 27705
(919) 383-2595
Wake County Bankruptcy Law Firms will review your financial situation, provide you with advice on the bankruptcy process, and show you how you can receive debt relief!
Serving clients throughout Central North Carolina, including Anderson Creek, Burlington, Cary, Clayton, Dunn, Durham, Franklinton, Fuquay-Varina, Goldsboro, Graham, Greensboro, Greenville, Henderson, Hillsborough, Holly Springs, Kinston, Leesville, Louisburg, Mebane, Mountain View, Oxford, Pittsboro, Raleigh, Rocky Mount, Roxboro, Sanford, Selma, Siler City, Smithfield, Spring Hope, Stoney Creek, Wake Forest, Wilson, Zebulon, areas in the vicinity of Raleigh-Durham International Airport, and other communities in Chatham County and Wake County.
Contact a Cary Bankruptcy Attorney today for a free initial consultation.
Other Legal Bankruptcy Lawyers
If for some unforeseen reason, the Cary Bankruptcy Lawyers listed on this site are unable to assist you, please visit the Cary Bankruptcy Lawyers listed on HG.org; or the Cary Bankruptcy Lawyers listed on GetLegal.com; or the Cary Bankruptcy Lawyers on Justia.com