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North Carolina Bankruptcy Means Test Calculator

North Carolina Bankruptcy Information

North Carolina Means Test Calcluator

Enter Your Zip Code  

North Carolina Median Income Standards for Means Test
for Cases Filed On or After November 1, 2019

Standard applied based on petition date.
Number of Persons in HouseholdMonthly Median IncomeAnnual Median Income
13,99247,904
25,07960,946
35,66167,931
47,16285,948
57,91294,948
68,662103,948
79,412112,948
810,162121,948
910,912130,948
1011,662139,948

or . . .

Select Your County

Mecklenburg County Bankruptcy Means Test [NCW] (Charlotte)

Wake County Bankruptcy Means Test [NCE] (Raleigh)

Guilford County Bankruptcy Means Test [NCM] (Greensboro and High Point)

Forsyth County Bankruptcy Means Test [NCM] (Winston-Salem)

Cumberland County Bankruptcy Means Test [NCE] (Fayetteville)

Durham County Bankruptcy Means Test [NCM] (Durham)

Buncombe County Bankruptcy Means Test [NCW] (Asheville)

Gaston County Bankruptcy Means Test [NCW] (Gastonia)

New Hanover County Bankruptcy Means Test [NCE] (Wilmington)

Union County Bankruptcy Means Test [NCW] (Monroe)

Cabarrus County Bankruptcy Means Test [NCM] (Concord)

Onslow County Bankruptcy Means Test [NCE] (Jacksonville)

Johnston County Bankruptcy Means Test [NCE] (Smithfield)

Pitt County Bankruptcy Means Test [NCE] (Greenville)

Davidson County Bankruptcy Means Test [NCM] (Lexington)

Iredell County Bankruptcy Means Test [NCW] (Statesville)

Catawba County Bankruptcy Means Test [NCW] (Newton)

Alamance County Bankruptcy Means Test [NCM] (Graham)

Randolph County Bankruptcy Means Test [NCM] (Asheboro)

Rowan County Bankruptcy Means Test [NCM] (Salisbury)

Robeson County Bankruptcy Means Test [NCE] (Lumberton)

Orange County Bankruptcy Means Test [NCM] (Hillsborough)

Wayne County Bankruptcy Means Test [NCE] (Goldsboro)

Harnett County Bankruptcy Means Test [NCE] (Lillington)

Brunswick County Bankruptcy Means Test [NCE] (Bolivia)

Henderson County Bankruptcy Means Test [NCW] (Hendersonville)

Craven County Bankruptcy Means Test [NCE] (New Bern)

Cleveland County Bankruptcy Means Test [NCW] (Shelby)

Nash County Bankruptcy Means Test [NCE] (Nashville)

Rockingham County Bankruptcy Means Test [NCM] (Wentworth)

Burke County Bankruptcy Means Test [NCW] (Morganton)

Moore County Bankruptcy Means Test [NCM] (Carthage)

Caldwell County Bankruptcy Means Test [NCW] (Lenoir)

Wilson County Bankruptcy Means Test [NCE] (Wilson)

Lincoln County Bankruptcy Means Test [NCW] (Lincolnton)

Surry County Bankruptcy Means Test [NCM] (Dobson)

Wilkes County Bankruptcy Means Test [NCW] (Wilkesboro)

Rutherford County Bankruptcy Means Test [NCW] (Rutherfordton)

Carteret County Bankruptcy Means Test [NCE] (Beaufort)

Chatham County Bankruptcy Means Test [NCM] (Pittsboro)

Sampson County Bankruptcy Means Test [NCE] (Clinton)

Franklin County Bankruptcy Means Test [NCE] (Louisburg)

Stanly County Bankruptcy Means Test [NCM] (Albemarle)

Granville County Bankruptcy Means Test [NCE] (Oxford)

Lenoir County Bankruptcy Means Test [NCE] (Kinston)

Haywood County Bankruptcy Means Test [NCW] (Waynesville)

Duplin County Bankruptcy Means Test [NCE] (Kenansville)

Columbus County Bankruptcy Means Test [NCE] (Whiteville)

Lee County Bankruptcy Means Test [NCM] (Sanford)

Edgecombe County Bankruptcy Means Test [NCE] (Tarboro)

Halifax County Bankruptcy Means Test [NCE] (Halifax)

Pender County Bankruptcy Means Test [NCE] (Burgaw)

Watauga County Bankruptcy Means Test [NCW] (Boone)

Beaufort County Bankruptcy Means Test [NCE] (Washington)

Stokes County Bankruptcy Means Test [NCM] (Danbury)

Hoke County Bankruptcy Means Test [NCM] (Raeford)

Richmond County Bankruptcy Means Test [NCM] (Rockingham)

Vance County Bankruptcy Means Test [NCE] (Henderson)

McDowell County Bankruptcy Means Test [NCW] (Marion)

Davie County Bankruptcy Means Test [NCM] (Mocksville)

Pasquotank County Bankruptcy Means Test [NCE] (Elizabeth City)

Jackson County Bankruptcy Means Test [NCW] (Sylva)

Person County Bankruptcy Means Test [NCM] (Roxboro)

Yadkin County Bankruptcy Means Test [NCM] (Yadkinville)

Alexander County Bankruptcy Means Test [NCW] (Taylorsville)

Scotland County Bankruptcy Means Test [NCM] (Laurinburg)

Bladen County Bankruptcy Means Test [NCE] (Elizabethtown)

Macon County Bankruptcy Means Test [NCW] (Franklin)

Dare County Bankruptcy Means Test [NCE] (Manteo)

Transylvania County Bankruptcy Means Test [NCW] (Brevard)

Montgomery County Bankruptcy Means Test [NCM] (Troy)

Cherokee County Bankruptcy Means Test [NCW] (Murphy)

Ashe County Bankruptcy Means Test [NCW] (Jefferson)

Anson County Bankruptcy Means Test [NCW] (Wadesboro)

Hertford County Bankruptcy Means Test [NCE] (Winton)

Martin County Bankruptcy Means Test [NCE] (Williamston)

Caswell County Bankruptcy Means Test [NCM] (Yanceyville)

Currituck County Bankruptcy Means Test [NCE] (Currituck)

Northampton County Bankruptcy Means Test [NCE] (Jackson)

Greene County Bankruptcy Means Test [NCE] (Snow Hill)

Bertie County Bankruptcy Means Test [NCE] (Windsor)

Warren County Bankruptcy Means Test [NCE] (Warrenton)

Madison County Bankruptcy Means Test [NCW] (Marshall)

Polk County Bankruptcy Means Test [NCW] (Columbus)

Yancey County Bankruptcy Means Test [NCW] (Burnsville)

Avery County Bankruptcy Means Test [NCW] (Newland)

Mitchell County Bankruptcy Means Test [NCW] (Bakersville)

Chowan County Bankruptcy Means Test [NCE] (Edenton)

Swain County Bankruptcy Means Test [NCW] (Bryson City)

Perquimans County Bankruptcy Means Test [NCE] (Hertford)

Washington County Bankruptcy Means Test [NCE] (Plymouth)

Pamlico County Bankruptcy Means Test [NCE] (Bayboro)

Gates County Bankruptcy Means Test [NCE] (Gatesville)

Alleghany County Bankruptcy Means Test [NCW] (Sparta)

Clay County Bankruptcy Means Test [NCW] (Hayesville)

Jones County Bankruptcy Means Test [NCE] (Trenton)

Camden County Bankruptcy Means Test [NCE] (Camden)

Graham County Bankruptcy Means Test [NCW] (Robbinsville)

Hyde County Bankruptcy Means Test [NCE] (Swan Quarter)

Tyrrell County Bankruptcy Means Test [NCE] (Columbia)


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North Carolina Bankruptcy Resources

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Welcome, North Carolina users of Nolo's

How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy
LegalConsumer.com helps you find local information and services to help you file for bankruptcy.

If you don't own the book, you can still use this site and the free means test calculator.

Don't own a copy?

Learn more...

Albin Renauer, the operator of LegalConsumer.com and the Means Test Calculator, is also a coauthor of Nolo's How to File for Chapter 7 Bankruptcy.

How to File for Chapter 7 Bankruptcy provides clear, user-friendly information and all the forms you need to get through the entire bankruptcy process. The book and the local resources you'll find on LegalConsumer.com are a perfect combination. The book is designed to work with LegalConsumer.com's means test calculator and lists of North Carolina exemption laws, which determine what property you'd get to keep in bankruptcy.

The book covers the entire process, and gives you the line-by-line instructions you need to fill out the required Chapter 7 bankruptcy forms. Meanwhile, this website gives you access to the latest local court information and county standards for the means test calculations that you must do to file a sucessful bankruptcy petition.

But first, use the book to find out whether you qualify for Chapter 7 -- and whether or not it's the best way to deal with your debts. It's important to learn what bankruptcy cannot do. You don't want to go to all the trouble of filing bankruptcy only to find out that the it won't help solve your particular problem or kind of debt. The book clearly explains what doesn't bankruptc yan and cannot do.

If you do decide Chapter 7 bankruptcy is the right option, you'll learn how you can use it to:

  • cancel as much debt as possible
  • stop wage garnishments and attachments
  • keep the maximum amount of property using North Carolina exemption laws
  • deal with secured debts and liens on your property
  • keep your home and car, if possible.

If you think you want to file for bankruptcy but aren't sure you can afford to hire an attorney, How to File for Chapter 7 Bankruptcy will help you learn what it takes to complete your bankruptcy petition on your own and complete the bankruptcy process.

You'll also learn how to rebuild your credit rating after bankruptcy.

How to File for Chapter 7 Bankruptcy doe s not cover business bankruptcies, farm reorganizations (Chapter 12) or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's  Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time.

"Clear instructions on when and how to fill out the necessary forms."
-Forbes

"Exceptionally clear…"
-The New York Times

"A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
-Newsweek

Press Reviews

"Exceptionally clear."
The New York Times
"How to File for Chapter 7 Bankruptcy advises on everything from how to file court papers to how to respond to threats from creditors.... A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
Newsweek
"An in-depth guide to filing under Chapter 7, including state-by-state and federal exemptions as well as forms for do-it-yourself filers."
Kiplinger’s Personal Finance Magazine
"Can help you decide if bankruptcy is the right option for you."
Detroit News
"A valuable, easy-to-understand workbook."
Los Angeles Times
"Includes clear instructions on when and how to fill out all the necessary forms, which assets you may legally keep, even advice on whether your case is complicated enough to make it worth your while to hire a lawyer."
Forbes
"The best [bankruptcy books] I know are published by Nolo."
Harry S. Gross, host of
“Speaking of Your Money”
"Covers all the recent changes to the bankruptcy law, and shows you how to get through the entire process with the least damage."
Accounting Today

Customer Review

"I bit the bullet, and purchased Nolo's How to File Chapter 7 Bankruptcy. I represented myself in court and I was granted a discharge of all debts five months later."
Danielle A.,
Richmond, VA
Chapter 13 Bankruptcy

Chapter 13 Bankruptcy

Filing Chapter 13 bankruptcy lets you cut down debts and keep valuable assets.

If you're considering Chapter 13 bankruptcy, which lets you wipe out some of your debt and pay back the rest over time, use this plain-English guide to decide whether or not it's right for you.

Nolo's Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law. First, you can:

  • consider nonbankruptcy alternatives for solving your debt problems
  • decide which is better for you -- Chapter 7 or Chapter 13
  • determine whether you qualify for Chapter 13 bankruptcy

Then, delve deeper into Chapter 13 and find out:

  • how filing bankruptcy stops creditors instantly (the "automatic stay")
  • how Chapter 13 can help you avoid foreclosure
  • whether you can reduce your car loan balance, or the balance on other secured debts
  • whether you can get rid of second mortgages or home equity debt

If you think Chapter 13 bankruptcy could work for you, you'll be ready to:

  • determine (with the book's forms and step-by-step instructions) whether you have enough income to come up with a repayment plan that the court will approve
  • calculate the amount of your monthly plan payment
  • find and work effectively with an excellent lawyer, and
  • rebuild your credit after bankruptcy.

This newest edition includes new information on hiring and working with a lawyer, recent court rulings that interpret the federal bankruptcy laws. You'll also find the atest bankruptcy exemption laws in your state, which determine what copy you can keep, and recent IRS standard expense amounts, which affect Chapter 13 plan payments.

For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy. If you own your own business and are considering Chapter 7 bankruptcy, see Nolo's Bankruptcy for Small Business Owners.

"An excellent book that can guide you through the process."
-Forbes

"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
-Attorney Gary Klein, Coauthor of Consumer Bankruptcy Law and Practice

"An excellent resource …"
-Consumers Digest

Press Reviews

"In Nolo’s usual thorough fashion, here is a guide to an alternative to the typical Chapter 7 Bankruptcy."
Orange County Register
"An excellent book that can guide you through the [Chapter 13] process."
Forbes Magazine
"Chapter 13 Bankruptcy will save you a fortune in attorney fees and confusion."
The Midwest Book Review
"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
Attorney Gary Klein,
co-author of Consumer Bankruptcy Law and Practice
"An excellent resource..."
Consumers Digest
"Contains many tear-out forms, federal and state exemptions charts, and the most recent legal documents and instructions on how to fill them out. "
Reference & Research Book News

 

The New Bankruptcy

The New Bankruptcy

If you're feeling overwhelmed by debt, you may be considering bankruptcy. But is filing bankruptcy the right solution for you and your family? Find out with this plain-English book.

The New Bankruptcy provides the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy can help solve your debt problems. Find out:

  • the differences between Chapter 7 and Chapter 13 bankruptcy
  • whether or not you qualify for Chapter 7 bankruptcy
  • how Chapter 13 repayment plans work
  • which debts are wiped out
  • how bankruptcy affects homeowners
  • whether you'll be able to keep cars and other assets
  • how bankruptcy affects your credit score
  • other ways to handle your debt problems

The latest edition of The New Bankruptcy includes updated lists of assets you can keep (exemptions) when you file bankruptcy, plus the latest rules handed down by the Supreme Court as it interprets the federal bankruptcy law. You'll also get worksheets to help you determine whether you can file for bankruptcy, helpful checklists, and easy-to-understand information for all 50 states.

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
-Eric Tyson, Author of Personal Finance For Dummies

"…it's important to know whether [bankruptcy] remains a viable option, and this book will offer both explanations and reassurances…"
-Accounting Today

More North Carolina info from LegalConsumer.com

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