Charlotte, NC Bankruptcy Law

Charlotte, NC Bankruptcy Law

Learn how bankruptcy works in Charlotte, NC. Learn how to file bankruptcy in North Carolina Western District Bankruptcy Court, how to complete the Means Test for Mecklenburg County, and how to use North Carolina Bankruptcy Exemption laws to protect your property, and how a North Carolina bankruptcy lawyer can help you if you need it.
Keywords: Charlotte, NC bankruptcy, North Carolina bankruptcy exemptions, filing bankruptcy in Charlotte, North Carolina, how to file bankruptcy, filing bankruptcy, bankruptcy forms, bankruptcy, bankrupcty, bankruptcy means test, banrkuptcy, bankrupcy, banruptcy

Automatically apply the Mecklenburg County expense standards, and North Carolina income standards to your means test calculation.

Find where to file if you live in Mecklenburg County.

Automatically apply the Mecklenburg County expense standards, and North Carolina income standards to your means test calculation.

Charlotte, NC Bankruptcy Guide

Welcome! has provided free bankruptcy information to more than 10 million consumers since 2006, and the Free Means Test Calculator (April 1, 2022 Edition)  has helped hundreds of thousands of consumers figure out where they stand in relation to the bankruptcy means test, created by the 2005 BAPCPA bankruptcy act.

In addition to the means test calculator, this site has answers to your questions  about bankruptcy:

How to File Bankruptcy in North Carolina

Bankruptcy Means Test Calculator

North Carolina Bankruptcy Exemptions

Bankruptcy Court Info for Charlotte, NC

Free Bankruptcy Forms & Instructions

Bankruptcy Lawyers Near Me

Note: This website is updated as time permits. It's is up to you to contact your local court and confirm and update any information you need. Information is not advice. Consult with a bankruptcy lawyer for advice about how the law relates to your exact situation.


Means Test Calculator for Mecklenburg County

The free bankruptcy means test calculator is a free, automated version of the official Means Test Form you must file with the court.

This free automated version: help you determine whether you pass the "means test" for Chapter 7 bankruptcy. more...  


North Carolina Bankruptcy Exemptions - All Categories

North Carolina Exemptions Summary:


Real or personal property, including co-op, used as residence to $35,000 (husband and wife may double) ($60,000 if 65 or older and spouse is deceased); up to $5,000 of unused portion of homestead may be applied to any property

Vehicle Exemption

Motor vehicle to $3,500

Personal Property

Animals, crops, musical instruments, books, clothing, appliances, household goods & furnishings to $5,500 total; may add $1,000 per dependent, up to $4,000 total additional (all property must have been purchased at least 90 days before filing)
Implements, books, & tools of trade to $2,000

Wild Card

$5,000 less any amount claimed for homestead or burial exemption, of any property
$500 of any personal property



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