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.

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Cost - We strive to keep our cost down. We charge only $999 for a Chapter 7 Bankruptcy! Yes we have payment plans!
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. . . Bankruptcy Law at its Friendliest!
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These are things NOT to say at 341 meetings that have been collected by Attorney Nick Thompson of Kentucky (used by permission). For some reason, perhaps due to pressure of the meeting, these people blurted out these statements to their detriment. Sometimes what they say is not true, but the Trustee would not know it. Sometimes it is true, but they failed to tell their attorney before filing. Sometimes it is just embarrassing. We take great pride in having the most informed clients at the 341 meetings, but a lot of that depends on you. It is IMPERATIVE that you tell your attorney EVERYTHING, and that you're honest at your 341 meeting.. If you surprise us with information (like some of these comments) we may not be able to protect your assets properly. We go to great lengths to ensure everything is covered and accurate, but ultimately it depends upon you. Read these, laugh, and make sure you do not make the same mistakes!

You are not going to check how much my house is worth are you? (The Trustee did just that after that strange statement.)

Why did I file? Well I guess I really didn't need to, I make enough money. (That response caused a lot of questions to be asked about why not file a 13.)

I really earn twice that, but I didn't want my wife to know what I really earn because it would increase my child support.

I thought you'd ask me to turn that stuff over to you, so I gave it to my Mom. (Mom got hauled in and had to give it back.)

Yes, I won the million dollar lottery, but I bought that winning lottery ticket the day before I filed, and I did not know I won until after that. (He owned the ticket before he filed. His bankruptcy was voluntarily dismissed and he had to pay his bills.)

Do we have to consider the rent that I get from my home? I really don't live in my home, I just rent it out to my brother. (In North Carolina , you have to live in your own home to exempt it. This guy almost lost his home.)

Dad only put the 23-meter boat in my name just so he could get insurance on it. He lives in Chicago and someone locally had to have it in his name to get insurance. (This person actually filed the bankruptcy and kept the boat, free-and-clear, because it was his Dad's. He was very lucky in that case!)

My Attorney warned me to list all my assets.

Yes, I'm interested in real estate. (Answered to "Do you have any interest in Real Estate?")

I pawned (sold or gave away) the secured item just before I filed. (He had to pay for it.)

Yeah, I got over $1000 as a cash advance on my credit card just before I filed because I knew it would be my last chance to grab some. (He had to pay it back. If he had waited 10 more days to file, he would have been within the rule and would have kept the money.)

I knew Mom was dying, and I was going to inherit all the big dough, so I charged it up, rushed out, and filed just before she died. (No, that one did not go through.)

That student loan would have been 7 years old the week after I filed. Is that good enough? (This was a sad case, and she had to pay the loan because she filed 10 days too early. Timing is everything. [Student loans were dischargeable before 10/1998 if they were 7 years old.])

Sure, I understand what a discharge is. The wife had one last month, but aren't you getting a little personal? (Yes, it was actually said in Court.)

That loan that I took out just before I filed? Yeah, I knew I was filing bankruptcy when I took it out. (He had to repay it.)

My house is worth at least $80,000! (She bragged about how much her house was worth when she did not know what it was worth. She had to pay for an appraisal to keep it after that.)