§362(k) Stay Violation Damages in North Carolina

How 11 U.S.C. § 362(k) applies in North Carolina — federal bankruptcy law, North Carolina district data.

What §362(k) Stay Violation Damages Does

If a creditor willfully violates the automatic stay (continuing to call, attempt repossession, pursue a lawsuit, etc.) after knowing of your bankruptcy, you can recover actual damages, attorney fees, and — in appropriate cases — punitive damages. This remedy is available only to individual debtors, not corporate filers.

Key points:

North Carolina Bankruptcy Data (FJC)

146,103
Total filings
44.4%
Dismiss rate
32,946
Prior filers
35.3%
Prior discharge rate

Districts covered: E.D.N.C., M.D.N.C., W.D.N.C..

Apply This to Your Case

The rules above are federal — they apply identically in every state. What varies by state is exemptions (§522), median income thresholds (means test), and case-law interpretations of ambiguous terms. For a North Carolina-specific answer, check the screener or consult a local attorney.

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Related North Carolina Statutes

§362(k) Stay Violation Damages in Other States