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Chapter 13 Office of North Carolina Customer FAQ

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What is Chapter 13 Office of North Carolina's Phone Number?

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Eligibility and Requirements

Who is eligible for Chapter 13 bankruptcy in North Carolina?

In North Carolina, eligibility for Chapter 13 bankruptcy requires individuals to be residents with regular income and must meet...
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What documentation is required to file for Chapter 13 bankruptcy?

When filing for Chapter 13 bankruptcy, a variety of documents must be provided. These include a bankruptcy petition to start...
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Can I file for Chapter 13 bankruptcy without an attorney?

It is indeed possible to file for Chapter 13 bankruptcy without an attorney, known as proceeding pro se. However, this approach...
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Bankruptcy Benefits and Consequences

What are the benefits of filing for Chapter 13 bankruptcy?

Filing for Chapter 13 bankruptcy provides numerous advantages, including the chance to reorganize debt into manageable payments...
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How long does a Chapter 13 bankruptcy case typically last in North Carolina?

In North Carolina, a Chapter 13 bankruptcy case usually spans three to five years, depending on the approved repayment plan....
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Can I keep my property if I file for Chapter 13 bankruptcy?

Filing for Chapter 13 may allow individuals to retain their property, including homes and vehicles, by establishing a repayment...
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What happens to my credit score after filing for Chapter 13 bankruptcy?

Chapter 13 bankruptcy significantly impacts credit scores, often causing a drop of 70 to 150 points. Despite this initial...
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Types of Bankruptcy

What is the difference between Chapter 13 and Chapter 7 bankruptcy?

Chapter 13 and Chapter 7 bankruptcy differ in purpose and process. Chapter 13 aids individuals with regular income to repay...
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Can I convert my Chapter 13 case to a Chapter 7 case in North Carolina?

In North Carolina, individuals can convert a Chapter 13 bankruptcy case to a Chapter 7 case under the U.S. Bankruptcy Code,...
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Are student loans included in Chapter 13 bankruptcy?

In Chapter 13 bankruptcy, student loans typically are not discharged and remain the borrower's responsibility. Payments may...
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Filing Process and Costs

What are the fees associated with filing for Chapter 13 bankruptcy?

Filing for Chapter 13 bankruptcy in North Carolina involves a standard court fee and potentially varying attorney fees based on...
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What happens if I miss a payment in my Chapter 13 bankruptcy plan?

Missing a payment in a Chapter 13 bankruptcy plan can lead to serious repercussions, including notification from the trustee,...
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Can I modify my Chapter 13 plan after it has been approved?

It is indeed possible to change a Chapter 13 plan after its approval if there are significant changes in financial...
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What debts can be included in a Chapter 13 bankruptcy?

Chapter 13 bankruptcy encompasses both unsecured and secured debts, enabling individuals to develop a repayment strategy...
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How is my payment plan determined in a Chapter 13 bankruptcy?

In Chapter 13 bankruptcy, the payment plan is shaped by income, necessary expenses, and debts owed. The filer proposes a...
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