This isn't an easy question. First off, North Carolina's laws against wage garnishment only apply to enforcement of judgments via NC civil process....

Under a Chapter 7 bankruptcy filing is the amount that I owe still considered secured debt or unsecured debt since I no longer h

An old repo deficiency is an unsecured debt. After sale is final, the borrow no longer owns collateral securing the loan.

When I file will I be able to exempt half of the equity that is my part through marriage, or is all of the equity mine?

The equity presumptively belongs to whose name is on the deed. Some of what you say between the deed and deed of trust is inconsistent, and it...

Also do I need to list student loans in my bk petition if I am not asking for them to be discharged.

Yes, student loans should be listed. All creditors need to be included. 106D is schedule D

Is it possible to redact or make sealed private health information in a bankruptcy proceeding?

Creditors shouldn't be filing health information in a case, and a few of the big names have gotten in trouble for errors in these regards....

Will creditors get a chance to respond to my case or are they just notified and nothing else from them?

Consumer bankruptcy, especially no-asset chapter 7 cases, doesn't involve nearly as much creditor participation as a prospective filer typically...

Take this matter seriously. It can go down the road of being in contempt of court and being forced to pay their attorney fees or even being jailed....

If I file bankruptcy will my credit drop once I do and items are removed because of bankruptcy or will it go up?

The exact balance between the negative public record of bankruptcy and the positive dissipation of balances owed is hard to pin down for any given...

How can a creditor seize property from a debtor, i.e. car, etc. if it is not listed on the Motion to Exempt?

Following the notice of rights to have exemptions designated, the creditor can request a writ of execution, This writ instructs the sheriff to...

What does notice of intent to file legal action in forsyth county district court mean?

This is required by NC's strict debt buyer statue. Get an attorney familiar with this law, as you will possibly have counterclaims that can lead to...