North Carolina Bankruptcy

(800) 870-9465 If you are going to North Carolina Bankruptcy Court or need a North Carolina Bankruptcy Attorney then you need Cameron Law. Better in most cases then the touted "credit management", "debt reduction", "debt consolidation loans", "credit repair" and, "debt settlement"; It allows a fresh start and the ability to clean up your credit. Unlike a North Carolina Bankruptcy, none of the others help your credit, and most will damage it more.

Do you need Financial CPR+?
Cost - We strive to keep our cost down. We charge only $1247 for a Chapter 7 Bankruptcy! Yes we have payment plans!
Personality - We are proud of our claim:
. . . Bankruptcy Law at its Friendliest!
Resourcefulness - We work hard to get you the best deal and most options possible!
+ Plus - We are open most weekends and evenings and work via Internet, Phone & USPS - No need to come to our office!

Pre-Bankruptcy Finances

If you have any ideas about fixing anything financial pre-bankruptcy, CONTACT US FIRST. While going through the bankruptcy process, we are your best friends. Please DO NOT MAKE DECISIONS WITHOUT CONSULTING US. It will make your case go much more smoothly and will eliminate many potential problems.

1. Do NOT sell anything.

2. Do NOT give anything away.

3. Do NOT buy anything other than ordinary household goods (groceries, cleaning supplies, etc.) during the 90 days before filing bankruptcy. Anything purchased 90 days before filing CANNOT BE EXEMPT in a NC bankruptcy, AND YOU COULD LOSE IT.

4. Do NOT borrow any more money or charge anything. Do not take cash advances.

5. Do NOT repay money to family members.

6. If you cannot afford to pay all of your bills, make payments on your unsecured non-priority debts your last priority. Ask us what this means!

7. STOP using your credit cards. Use of credit cards could delay filing.

8. DO NOT try to pay off a debt with more than $600 in the 3 months prior to filing. The Trustee can take the payments and redistribute them to all your creditors. You also SHOULD NOT try to pay off your friends and relatives.

9. Make regular, timely payments on any secured debts for which you would like to keep the collateral (such as your car payments if you wish to keep your vehicle). If you do not want to keep the collateral for a particular debt, you need not make any further payments on that debt.

10. If you expect to inherit anything within six months of filing, it may be taken in the bankruptcy. If someone else is listed in the will instead of you (perhaps your children or other relatives) his/her/their inheritance(s) should be protected from your North Carolina (NC) Chapter 7 Bankruptcy.

11. Whole Life Insurance is the type of life insurance that builds a cash value from which you can borrow or that you can withdraw. This is as opposed to Term Life Insurance which is payable only upon death. If you have Term Life Insurance, it will not cause any problems with YOUR bankruptcy. If you are the beneficiary of ANY life insurance policy, and the person who is insured dies before your Chapter 7 bankruptcy is discharged, or shortly thereafter -YOU COULD LOSE THE BENEFIT (MONEY)! It would be best to have the insured person list someone else as beneficiary until at least 180 days after your bankruptcy discharge.

Whole Life insurance is not a problem IF the beneficiaries are your spouse and/or children. If the beneficiaries listed are anyone else, the life insurance policy could be non-exempt and taken by the Trustee in the bankruptcy.