How 11 U.S.C. § 523 applies in North Carolina — federal bankruptcy law, North Carolina district data.
Not all debts are dischargeable. Student loans (with narrow exceptions), most taxes less than 3 years old, domestic support, and debts obtained by fraud survive bankruptcy discharge. Some debts are automatically nondischargeable; others require a creditor to file an adversary proceeding within 60 days of the 341 meeting.
Districts covered: E.D.N.C., M.D.N.C., W.D.N.C..
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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