# BillsBills.com

> The Law Offices of John T. Orcutt is a North Carolina bankruptcy law firm founded in 1985. We have helped more than 72,000 NC families eliminate debt through Chapter 7 and Chapter 13 bankruptcy. We serve all 100 North Carolina counties from seven offices: Raleigh (North), Durham, Greensboro, Fayetteville, Wilson, Southport, and Wilmington. Phone: (833) 627-0115. We offer $0 money-down Chapter 13 filing and a $99/month Debt Buster Plan for Chapter 7.

## Practice Areas

- Chapter 7 Bankruptcy (debt elimination in 90-120 days)
- Chapter 13 Bankruptcy (3-5 year repayment plan to keep home and car)
- Foreclosure Defense (automatic stay, mortgage arrears cure)
- Repossession Defense (vehicle recovery, cramdowns)
- Wage Garnishment Relief (automatic stay stops garnishment immediately)
- Creditor Harassment (FDCPA rights, discharge injunction enforcement)

## Bankruptcy Basics

- [Bankruptcy Basics in North Carolina](https://www.billsbills.com/blog/back-to-basics-with-common-bankruptcy-terms): Master guide to how bankruptcy works in NC — types, process, costs, exemptions, and what to expect.
- [Chapter 7 Bankruptcy in North Carolina](https://www.billsbills.com/learn-about-chapter-7): Complete guide to Chapter 7 — means test, NC exemptions, dischargeable debts, costs, and the step-by-step process.
- [Chapter 13 Bankruptcy in North Carolina](https://www.billsbills.com/learn-about-chapter-13): Complete guide to Chapter 13 — repayment plans, fee caps by district, eligibility, and what Chapter 13 can do that Chapter 7 cannot.
- [Chapter 7 vs. Chapter 13 in North Carolina](https://www.billsbills.com/chapter-7-vs-chapter-13-bankruptcy): Side-by-side comparison of eligibility, costs, timelines, property protection, and which chapter is best for different situations.
- [Cost of Filing Bankruptcy in North Carolina](https://www.billsbills.com/cost-filing-bankruptcy): Transparent breakdown of attorney fees, court filing fees, and required course costs for Chapter 7 and Chapter 13.

## Key North Carolina Bankruptcy Facts

- NC Homestead Exemption: $35,000 per person ($70,000 married, $60,000 if 65+) under NC G.S. Section 1C-1601(a)(1)
- NC Vehicle Exemption: $3,500 per person under NC G.S. Section 1C-1601(a)(3)
- NC Wildcard Exemption: $5,000 per person under NC G.S. Section 1C-1601(a)(2)
- NC Personal Property Exemption: $5,000 per person under NC G.S. Section 1C-1601(a)(4)
- Retirement Accounts: Unlimited exemption for qualified plans
- Chapter 7 Filing Fee: $338
- Chapter 7 Attorney Fees (NC typical): $1,600-$2,500
- Chapter 13 Attorney Fee Cap (Eastern District of NC): $4,600
- Chapter 13 Attorney Fee Cap (Middle District of NC): $6,450
- Chapter 13 Attorney Fee Cap (Western District of NC): $6,000
- NC Bankruptcy Courts: Eastern District (Raleigh, Wilson, Wilmington), Middle District (Durham, Greensboro), and Western District (Charlotte, Asheville)
- NC Eastern District Chapter 13 Trustee: Joseph A. Bledsoe III
- NC Middle District Chapter 13 Trustee: Kathryn L. Bringle
- NC Western District Chapter 13 Trustee: W. Steven Richardson
- NC has no right-to-cure law for vehicle repossession
- NC uses state exemptions only (no federal exemption option)

## Office Locations

- Raleigh (North), NC
- Durham, NC
- Greensboro, NC
- Fayetteville, NC
- Wilson, NC
- Southport, NC
- Wilmington, NC

## Contact

- Phone: (833) 627-0115
- Website: https://www.billsbills.com
- Hours: Monday-Friday 8:00 AM - 8:30 PM, Saturday 9:00 AM - 1:00 PM, Sunday 2:00 PM - 4:00 PM
- Free phone consultations available
- The Law Offices of John T. Orcutt is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.