How Much Does Bankruptcy Filing Cost in North Carolina?
North Carolina pricing is near the national average. Updated for 2024.
Bankruptcy Filing Pricing in North Carolina
In North Carolina, the average cost for bankruptcy filing is $2,250 per filing, which is 10% lower than the national average of $2,500. Most North Carolina residents pay between $900 and $4,500.
North Carolina has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Filing for bankruptcy provides legal debt relief. Chapter 7 eliminates most debts while Chapter 13 creates a repayment plan. Attorney fees, court costs, and credit counseling are required.
North Carolina vs National Average
What Affects Bankruptcy Filing Cost in North Carolina?
Chapter
Chapter 7: $1,000-$2,500 total. Chapter 13: $2,500-$5,000+ total
Court Fees
Chapter 7 filing: $338. Chapter 13 filing: $313
Required Courses
Credit counseling + debtor education: $50-$100 total
💡 Tips to Save on Bankruptcy Filing in North Carolina
- 1.Chapter 7 is less expensive than Chapter 13
- 2.Legal aid organizations may help if you qualify
- 3.Some attorneys offer payment plans
- 4.The court filing fee can be paid in installments
Frequently Asked Questions
Will bankruptcy ruin my credit?
Bankruptcy stays on your credit report for 7-10 years, but many people see their credit score begin recovering within 1-2 years.
What's the difference between Chapter 7 and Chapter 13?
Chapter 7 eliminates most unsecured debts in 3-6 months. Chapter 13 creates a 3-5 year repayment plan and lets you keep more assets.