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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North Carolina Bankruptcy Solution.
North Carolina BANKRUPTCYINFO LINE:
(866) 760-3328

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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!
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!

Ask Sheree a Question!

	Question

Your 341 hearing will be about three to six weeks after you file, and you will receive a notice, by mail, with the date and time of this hearing about 10 days after you file. All persons are required to attend the 341 hearing if they file a bankruptcy. If you miss this hearing and your bankruptcy is dismissed, you will have to repay the filing and Attorney fees to file again.

You will want to get there a little early to listen to the questions that are asked and prepare for your turn. Normally, the Trustee will ask you the following questions:

•  What is your name?

•  What is your address?

•  What is your social security number?

•  Did you list all your assets and all your debts?

•  Do you understand what a reaffirmation is?

•  Do you understand what the effects of a bankruptcy are?

•  Have you given any property to the Trustee?

•  Have you recently won the lottery or inherited property?

•  Have you given away or transferred any property within the last year?

•  Why did you file bankruptcy or what caused your bankruptcy?

•  Do you understand what a Chapter 13 is and did you consider it?

•  Do you understand what a discharge is?

•  When did you know that you were bankrupt?

•  Do you have proof of full coverage insurance on your car? (Please bring proof of insurance with you to the hearing.)

•  How much is your home worth? (Answer this question honestly, but don't brag about how you think it is worth a million if you want to keep it.)
Have you recently inherited anything?

The Trustee is there not only to ensure the paperwork is properly done, but also to collect any asset that is not exempt. Your 341 hearing is not the time to brag about how your property is worth a lot of money. It is the time to be completely truthful, poor and not have any assets. You are under oath. You must be truthful and you must reveal all your assets if you are questioned about them.

Creditors may appear and ask questions at the 341 hearing, but normally no one shows. If a secured creditor shows the only question they normally ask is whether or not you wish to reaffirm. Never reaffirm credit cards, doctor bills, and other unsecured debts. Often Sears will appear. Although technically Sears has a lien on some hard goods such as a TV, refrigerator, etc., they rarely repossess property. Please don't ask us to agree unsecured reaffirmations unless you have a very good reason. Your Attorney has to sign any reaffirmation and certify to the Court that the reaffirmation is in your best interest. Reaffirming debt is rarely in your best interest.

What Do I Wear to the Hearing?

Don't wear cut-offs or jeans with holes in them and don't wear flip-flops. Suits are not required, but dress properly for a hearing in Federal Court. Children are not supposed to be in the hearing room. Do not borrow and wear flashy jewelry. This is not the time to brag about how rich you are or how much you own. The Trustee is looking for assets to take from you. He is NOT your friend no matter how friendly he acts. He represents the persons that you owe. You must report what you own and its real value, but don't brag about your income and how much your car is worth-especially if you don't have any. Save that for when you want to impress the opposite sex in bars.

Do You Show Up With Me at the Hearing?

Of course! We take care of you, and hold your hand through the process. We don't just file the paperwork.