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If the debtor's disposable income, projected for a five-year period, is more than 25 percent of the total unsecured debt, the debtor will likely be denied a Chapter 7 filing. If the percentage is less than 25 percent, the debtor will most likely survive the means test and be allowed to continue with a Chapter 7 filing.

If you're filing for bankruptcy in North Carolina without a lawyer, you must print out the bankruptcy forms, sign them, and submit them to the bankruptcy court. Print the forms on regular, white letter-size paper (8.5" x 11"), in black ink, and single-sided.

To determine your Chapter 7 bankruptcy income limit, add the last six months of your gross income ? this is what you earned before taxes and other deductions were taken out. Divide that number by six. While that may seem like a waste of time ? why not just take one month instead of adding six, then dividing by six?

Filing Fees for Petitions Chapter 7$338Chapter 11(Railroad)$1,571Chapter 12(Family Farmer)$278Chapter 13$313Chapter 15(Foreign Proceeding)$1,7383 more rows

If you earn less than the median income for North Carolina, you're on your way to filing Chapter 7. For a household of two people, income less than $50.7k qualifies. For three people, it's $55k and for a household of four, the income level is $63.7k. If you earn more than this, you might still qualify for Chapter 7.

Filing Without an Attorney All individual bankrutpcy filers are required to complete pre-bankruptcy credit counseling and pre-discharge debtor education. These may not be provided at the same time. Credit counseling must take place before you file for bankruptcy; debtor education must take place after you file.