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 $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!

What Happens if my Bankruptcy Gets Dismissed? The majority of dismissals are due to people who file pro se, i.e. without an attorney and don't know what they are doing, and people who are intentionally committing fraud.

"As a general rule, however, excluding cases which are dismissed or converted, individual debtors receive a discharge in more than 99 percent of chapter 7 cases." That quote came from the US Government Pamphlet "Bankruptcy Basics"  page 20, para 1. You can download it here: http://www.nc-bankruptcy.com/images/bankbasics.pdf
What it means is:

•  Not showing up for the 341 meetings or court.

You can be denied a discharge if the Court determines that you committed any of the following acts:

•  You have been granted a discharge in a prior bankruptcy filed less than eight years ago (for Chapter 7 only).

•  You transfer, destroy, or conceal property within one year prior to filing bankruptcy or at any time after filing bankruptcy with the intent to delay or defraud a creditor or the bankruptcy court.

•  You conceal, destroy, falsify, or fail to keep books, records and documents related to your financial condition and business transactions without justification.

•  You knowingly and fraudulently in the bankruptcy proceeding:
a) make a false oath, claim or account (i.e., lie about your property, debts, or financial affairs);
c) give or receive money for taking certain action or agreeing not to take certain action;
d) withhold books, records, documents or other records from the bankruptcy court;

•  You fail to explain satisfactorily any loss of assets or deficiency of assets to meet your liabilities;

•  You refuse to obey an order of the bankruptcy court, or refuse to answer a material question.

•  You make too much money and need to switch to a Chapter 13.

  or

2) The  petitioner doesn't dismiss the case (i.e. you don't back out)
  or
3) The case is not converted to a Chapter 13 (another type of bankruptcy)

Statistically the case has an over 99% chance of having the unsecured debt erased.

In other words, if you are honest, and don't back out or change your petition, your debts will probably be discharged. This is speaking for all Chapter 7s, not just the ones we handle.

If you fall into that less than 1%, everything goes on as if you never filed. PLEASE NOTE: We will know if there is any chance you fall into this category, and would let you know. It is my understanding that most of these are from the from the small amount of Chapter 7 Bankruptcies petitioners files themselves, without an attorney.