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The Western District is headquartered in Charlotte, with an additional staffed office in Asheville. The Middle District is headquartered in Greensboro, with an second staffed office in Winston-Salem. The Eastern District is headquartered in Wilson, with a major office in Raleigh.

The discharge releases the debtor from all debts provided for by the plan or disallowed (under section 502), with limited exceptions. Creditors provided for in full or in part under the chapter 13 plan may no longer initiate or continue any legal or other action against the debtor to collect the discharged obligations.

Debt collectors cannot try to collect on debts that were discharged in bankruptcy. Also, if you file for bankruptcy, debt collectors are not allowed to continue collection activities while the bankruptcy case is pending in court. If a debt collector calls and you have filed for bankruptcy, tell the debt collector.

It is a myth that bankruptcy mandates the loss of all your property. You can use exemptions to protect your property. If you ?exempt? an asset, it will be protected from being sold to repay creditors. Protecting assets in bankruptcy usually depends on the exemptions available to you in the state where you live.

You can file for Chapter 7 bankruptcy between six and eight years after your previous filing. You can file for Chapter 13 bankruptcy four years after filing your previous Chapters 7, 11, or 12 filings. You can file for Chapter 13 bankruptcy two years after your previous Chapter 13 filing.

When a debtor files for bankruptcy, you must stop all collection efforts immediately. If you continue to try and receive payment, you could be sued or fined. In order to get your money back, you'll have to go through the courts.