Concord Bankruptcy Resources | Legal Help & Factual Resources
Helpful Information for Bankruptcy Filings in
Concord — Cabarrus 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 Western District Bankruptcy Court
Cabarrus County bankruptcy cases will be filed with this bankruptcy court:
U.S. Courthouse
226 South Liberty Street, Winston Salem, NC 27101
(336) 397-7785
Counties Served: Alamance, Cabburus, Caswell, Chatham, Davidson, Davie, Durham, Forsyth, Guilford, Hoke, Lee, Montgomery, Moore, Orange, Person, Randolph, Richmond, Rockingham, Rowan, Scotland, Stanley, Stokes, Surry, Yadkin
An experienced Concord 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 Cabarrus County Bankruptcy Attorney for a free initial consultation regarding Chapter 7, Chapter 13, Chapter 11, or Chapter 12.
Concord 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 Concord Bankruptcy Lawyer will explain the meeting to you and accompany you to the meeting.
The meeting room location is:
U.S. Courthouse
226 South Liberty Street, Winston Salem, NC 27101
(336) 397-7785
U.S. Trustee
www.usdoj.gov/ust
Chapter 13 Trustees
When your Chapter 13 bankruptcy case is filed with the Court, a Chapter 13 Trustee will be assigned to your case. The Chapter 13 Trustees for the Western District of North Carolina are:
Linda W. Simpson
Bankruptcy Administrator
402 W. Trade Street Suite 200, Charlotte, NC 28202
(704) 350-7587
Credit Counseling Services in the Concord 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 Concord area, these providers have been approved:
Alliance Credit Counseling, Inc.
13777 Ballantyne Corporate Plaza Suite 100, Charlotte, NC 28277
(888) 594-9594
CCCS of WNC dba OnTrack Financial Counseling and Education
50 South French Broad Avenue Suite 227, Asheville, NC 28801
(828) 255-5166
For other approved providers in the Concord area, visit the U.S. Dept. of Justice website.
www.justice.gov/ust/eo/bapcpa/ccde/de_approved.htm
Credit Reporting Agencies:
Your Concord 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
www.equifax.com
TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
www.transunion.com
Experian
National Consumer Assistance Center
P.O. Box 949
Allen, NC 75013-0949
1-800-682-7654
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):
Honda Of Concord
7650 Bruton Smith Boulevard
Concord, NC 28226
(888) 524-7200
Plotts Used Cars
215 S. Main Street
Concord, NC 28027
(704) 782-6225
Turner Auto Sales
723 Concord Parkway N
Concord, NC 28027
(704) 262-2277
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 Concord real estate agent, give you a valuation on your property.
Some local Concord area realtors include:
Allen Tate Company Real Estate
1096 Concord Parkway N
Concord, NC 28027
(704) 786-6350
Anthony Richardson Real Estate
Anthony Richardson Real
Concord, NC 28025
(704) 791-5505
C K Select Real Estate
240 Church Street Ne
Concord, NC 28025
(704) 788-2255
Fletcher John Real Estate
153 Union Street S
Concord, NC 28025
(704) 786-2019
Cabarrus 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 Western Central North Carolina, including Asheboro, Charlotte, Concord, Davidson, Fayetteville, Forest City, Gastonia, Hamlet, Hickory, Huntersville, India Hook, Kannapolis, Kings Mountain, Lake Wylie, Lexington, Lincolnton, McAdenville, Monroe, Mount Pleasant, Norwood, Rock Hill, Rockingham, Salisbury, Sanford, Spartanburg, Statesville, Tega Cay, Thomasville, Van Wyck, Weddington, Winston-Salem, York, areas in the vicinity of Charlotte-Douglas International Airport, and other communities in Cabarrus County.
Contact a Concord Bankruptcy Attorney today for a free initial consultation.
Other Legal Bankruptcy Lawyers
If for some unforeseen reason, the Concord Bankruptcy Lawyers listed on this site are unable to assist you, please visit the Concord Bankruptcy Lawyers listed on HG.org; or the Concord Bankruptcy Lawyers listed on GetLegal.com; or the Concord Bankruptcy Lawyers on Justia.com