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North Carolina Median Income standards for Means Test

Standard applied based on petition date.

(Note median income standards change on November 1, 2016.)

Number of persons in household:
1 2 3 4 5 6 7 8 9 10
Monthly Median Income - November 1, 2016 3,534 4,586 5,310 5,994 6,694 7,394 8,094 8,794 9,494 10,194
Annual Median Income - November 1, 2016 42,411 55,028 63,717 71,923 80,323 88,723 97,123 105,523 113,923 122,323
Monthly Median Income - May 1, 2016 - October 31, 2016 3,466 4,440 4,904 5,818 6,518 7,218 7,918 8,618 9,318 10,018
Annual Median Income - May 1, 2016 - October 31, 2016 41,590 53,278 58,850 69,810 78,210 86,610 95,010 103,410 111,810 120,210

or . . .

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Mecklenburg County Means Test Calculator [NCW] (Charlotte)

Wake County Means Test Calculator [NCE] (Raleigh)

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

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

Cumberland County Means Test Calculator [NCE] (Fayetteville)

Durham County Means Test Calculator [NCM] (Durham)

Buncombe County Means Test Calculator [NCW] (Asheville)

Gaston County Means Test Calculator [NCW] (Gastonia)

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

Union County Means Test Calculator [NCW] (Monroe)

Cabarrus County Means Test Calculator [NCM] (Concord)

Onslow County Means Test Calculator [NCE] (Jacksonville)

Johnston County Means Test Calculator [NCE] (Smithfield)

Pitt County Means Test Calculator [NCE] (Greenville)

Davidson County Means Test Calculator [NCM] (Lexington)

Iredell County Means Test Calculator [NCW] (Statesville)

Catawba County Means Test Calculator [NCW] (Newton)

Alamance County Means Test Calculator [NCM] (Graham)

Randolph County Means Test Calculator [NCM] (Asheboro)

Rowan County Means Test Calculator [NCM] (Salisbury)

Robeson County Means Test Calculator [NCE] (Lumberton)

Orange County Means Test Calculator [NCM] (Hillsborough)

Wayne County Means Test Calculator [NCE] (Goldsboro)

Harnett County Means Test Calculator [NCE] (Lillington)

Brunswick County Means Test Calculator [NCE] (Bolivia)

Henderson County Means Test Calculator [NCW] (Hendersonville)

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

Cleveland County Means Test Calculator [NCW] (Shelby)

Nash County Means Test Calculator [NCE] (Nashville)

Rockingham County Means Test Calculator [NCM] (Wentworth)

Burke County Means Test Calculator [NCW] (Morganton)

Moore County Means Test Calculator [NCM] (Carthage)

Caldwell County Means Test Calculator [NCW] (Lenoir)

Wilson County Means Test Calculator [NCE] (Wilson)

Lincoln County Means Test Calculator [NCW] (Lincolnton)

Surry County Means Test Calculator [NCM] (Dobson)

Wilkes County Means Test Calculator [NCW] (Wilkesboro)

Rutherford County Means Test Calculator [NCW] (Rutherfordton)

Carteret County Means Test Calculator [NCE] (Beaufort)

Chatham County Means Test Calculator [NCM] (Pittsboro)

Sampson County Means Test Calculator [NCE] (Clinton)

Franklin County Means Test Calculator [NCE] (Louisburg)

Stanly County Means Test Calculator [NCM] (Albemarle)

Granville County Means Test Calculator [NCE] (Oxford)

Lenoir County Means Test Calculator [NCE] (Kinston)

Haywood County Means Test Calculator [NCW] (Waynesville)

Duplin County Means Test Calculator [NCE] (Kenansville)

Columbus County Means Test Calculator [NCE] (Whiteville)

Lee County Means Test Calculator [NCM] (Sanford)

Edgecombe County Means Test Calculator [NCE] (Tarboro)

Halifax County Means Test Calculator [NCE] (Halifax)

Pender County Means Test Calculator [NCE] (Burgaw)

Watauga County Means Test Calculator [NCW] (Boone)

Beaufort County Means Test Calculator [NCE] (Washington)

Stokes County Means Test Calculator [NCM] (Danbury)

Hoke County Means Test Calculator [NCM] (Raeford)

Richmond County Means Test Calculator [NCM] (Rockingham)

Vance County Means Test Calculator [NCE] (Henderson)

McDowell County Means Test Calculator [NCW] (Marion)

Davie County Means Test Calculator [NCM] (Mocksville)

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

Jackson County Means Test Calculator [NCW] (Sylva)

Person County Means Test Calculator [NCM] (Roxboro)

Yadkin County Means Test Calculator [NCM] (Yadkinville)

Alexander County Means Test Calculator [NCW] (Taylorsville)

Scotland County Means Test Calculator [NCM] (Laurinburg)

Bladen County Means Test Calculator [NCE] (Elizabethtown)

Macon County Means Test Calculator [NCW] (Franklin)

Dare County Means Test Calculator [NCE] (Manteo)

Transylvania County Means Test Calculator [NCW] (Brevard)

Montgomery County Means Test Calculator [NCM] (Troy)

Cherokee County Means Test Calculator [NCW] (Murphy)

Ashe County Means Test Calculator [NCW] (Jefferson)

Anson County Means Test Calculator [NCW] (Wadesboro)

Hertford County Means Test Calculator [NCE] (Winton)

Martin County Means Test Calculator [NCE] (Williamston)

Caswell County Means Test Calculator [NCM] (Yanceyville)

Currituck County Means Test Calculator [NCE] (Currituck)

Northampton County Means Test Calculator [NCE] (Jackson)

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

Bertie County Means Test Calculator [NCE] (Windsor)

Warren County Means Test Calculator [NCE] (Warrenton)

Madison County Means Test Calculator [NCW] (Marshall)

Polk County Means Test Calculator [NCW] (Columbus)

Yancey County Means Test Calculator [NCW] (Burnsville)

Avery County Means Test Calculator [NCW] (Newland)

Mitchell County Means Test Calculator [NCW] (Bakersville)

Chowan County Means Test Calculator [NCE] (Edenton)

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

Perquimans County Means Test Calculator [NCE] (Hertford)

Washington County Means Test Calculator [NCE] (Plymouth)

Pamlico County Means Test Calculator [NCE] (Bayboro)

Gates County Means Test Calculator [NCE] (Gatesville)

Alleghany County Means Test Calculator [NCW] (Sparta)

Clay County Means Test Calculator [NCW] (Hayesville)

Jones County Means Test Calculator [NCE] (Trenton)

Camden County Means Test Calculator [NCE] (Camden)

Graham County Means Test Calculator [NCW] (Robbinsville)

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

Tyrrell County Means Test Calculator [NCE] (Columbia)


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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


 

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