12 North Carolina Traffic Citations That Require a Mandatory Court Hearing

12 North Carolina Traffic Citations That Require a Mandatory Court Hearing

North Carolina is known for its tree-covered mountains, vibrant cities, sandy beaches, and scenic drives. But if you are driving in North Carolina – even if you are just passing through on I-95 – you need to be aware of state laws. For example, many North Carolina traffic citations require that you attend a mandatory court hearing. So, if you receive one of the following tickets, you will have to return to face the charges in court. On the other hand, you can hire someone to represent you in court.

#1.  All Not Guilty Pleas for North Carolina Traffic Citations

If you plan to plead not guilty, you should also plan to attend a mandatory court hearing. Also, this rule applies to all traffic offenses, not just the ones on this list.

#2.  Driving Without a License or Without the Right License

Law enforcement officers give North Carolina traffic citations for the following license-related offenses:

  • Driving while your license is suspended, revoked, or disqualified;
  • Driving a commercial motor vehicle without the appropriate license;
  • Also, driving a commercial vehicle while your commercial license has been suspended, or revoked; and
  • Trying to pass someone else’s license off as your own.

#3.  Driving While Subject to Impairing Substance

Alcohol is not the only ‘impairing substance’ that can lead to a North Carolina traffic citation. Actually, any amount of a Schedule I controlled substance in a driver’s blood violates North Carolina law (G.S. 20-138.2).

#4.  Underage Drivers Who Have Been Drinking

Drivers over age 21 might be able to drink small amounts of alcohol without getting to the point of being impaired. However, drivers who are under the age of 21can be ticketed just for drinking any amount and then driving. They don’t have to be impaired.

#5.  Careless and Reckless Driving Leads to North Carolina Traffic Citations

North Carolina law defines a reckless driver as someone who willfully or wantonly disregards “the rights or safety of others.” To protect other drivers, the police usually pull over someone who is driving in a way that might hurt other people.

#6.  Driving More than 80 mph

Speed limits are there for the safety of everyone on the road. Driving a little bit over the speed limit can get you a speeding ticket. However, driving more than 80 miles per hour is excessive. In addition to endangering yourself and others, you might get a North Carolina traffic citation that requires a mandatory court hearing.

#7.  Racing Leads to North Carolina Traffic Citations

It does not matter whether your race was prearranged or spontaneous. Any type of racing violates North Carolina traffic laws.

#8.  Driving to Elude Arrest

Sometimes the entertainment industry makes running from the police look exciting. However, it’s really very dangerous – and against the law. If the police try to arrest you and you drive away, prepare for some serious North Carolina traffic citations.

#9.  Certain Accidents Involving Injury, Death, or Property Damage

Accidents range from fender benders to fatalities. However, you may be required to attend a mandatory court hearing if:

  • Someone dies in the accident;
  • You failed to give the right of way when being passed;
  • Your unsafe movements caused at least $5,000 of property damage or serious injury.

#10.  Failing to Stop at an Accident or Report the Accident

Speaking of accidents, North Carolina traffic citations often are handed to people who don’t stop at the accident or who fail to report it.

#11.  Passing a Stopped School Bus.

North Carolina traffic laws prohibit drivers from passing a stopped school bus in order to protect children who may be entering or exiting the bus. Law enforcement takes this violation seriously.

#12.  Certain Violations of Financial Responsibility Laws

North Carolina traffic citations for this type of violation should be reviewed with an experienced attorney as soon as possible.

Mandatory Court Hearings for North Carolina Traffic Citations Are Challenging.

Attorney Leslie Craft has the experience you need to deal with traffic violations. Ms. Craft’s goal is always to help her clients get past their legal problems and get on with their lives. Consultations are free and only take about 30 – 45 minutes of your time. Your options may surprise and even excite you!

To schedule a free personal consultation, call Craft Law Offices at (252) 752-0297 or email us at le************@***il.com. My offices are located in Greenville, Morehead City, and Rocky Mount for your convenience. I also represent clients in surrounding Eastern North Carolina communities, including Warrenton, Elizabeth City, Roanoke Rapids, Goldsboro, and Jacksonville.

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10 NC Traffic Laws You Need to Know

You probably drive on North Carolina roads at least once a day, or at least you did before COVID-19. Every driver needs to understand and obey traffic laws. Let’s look at some of the more interesting and possibly quirky North Carolina traffic laws on the books today.

#1.  Fender Bender Law.

Hopefully, any accident you have will be minor. If so, please note that North Carolina’s fender bender law requires that you move your car to the side of the road for minor, non-injury accidents. Not only does this allow the traffic to keep moving, but it’s safer for everyone. Failing to follow this law can lead to a fine and court costs.

#2.  No Parking on Highways.

Never leave your car parked on a North Carolina highway. This ban includes parking near or in front of private driveways, within 15 feet of a fire hydrant, near intersections, and near fire station entrances. Whether you are with your car or not, don’t park on highways or highway bridges unless your vehicle is disabled.

#3.  No Drivers Under 18 Using Cell Phones.

Texting is illegal for drivers of all ages. However, teen drivers should be aware that any use of a cell phone while driving is banned. The law states that drivers under age 18 cannot:

“… use a mobile telephone or other additional technology associated with a mobile telephone while operating the vehicle on a public street or highway or public vehicular area.”

Phones are important, but most calls can wait until you have stopped your vehicle in a safe place.

#4.  Move Over Law.

You must move over one lane or slow down when you pass law enforcement and emergency vehicles with their flashing lights on. This law also applies if you see emergency vehicles or police parked by the side of the road. Failing to follow this law could lead to a $250 fine.

#5.  Passengers Without Seat Belts Can Be Fined

You have probably heard of seat belt laws. But did you know that North Carolina traffic laws require that all occupants of a vehicle use a seat belt? Passengers who fail to comply can be fined $25 if sitting in the front seat and $10 if seated in the car’s backseat.

#6.  No Driving Too Slowly.

Almost everyone has received a speeding ticket. However, North Carolina traffic laws allow police to ticket people driving too slowly because they could be impeding traffic flow. Also, going too slow in the left lane of certain roads could lead to a traffic citation.

#7.  Illegal to Play in Traffic.

The law states that you cannot be on the roadway while using roller skates, sleds, and toy vehicles. Exceptions include engaging in these activities while in a crosswalk, on streets designated for play, or using a bicycle.

#8.  Drivers Must Report Some Accidents to Law Enforcement.

The police don’t always appear at traffic accidents. In some cases, drivers must report “crashes involving death, personal injury, or property damage or $1,000 or more.” Law enforcement can prosecute for violation of this North Carolina traffic law.

#9.  Quick Clearance Law.

This one seems similar to other North Carolina traffic laws, including those related to fender benders and parking on highways. However, this law allows law enforcement and their agents to remove vehicles from the road quickly if necessary.

#10.  No Joyrides Through Cemeteries.

In some locations, laws prohibit people from driving through cemeteries unless you are there for a burial or visiting a lot.

Call if You Received a Citation for Violating Any North Carolina Traffic Laws

Attorney Leslie Craft has the experience you need to deal with bankruptcy and traffic violations. Ms. Craft’s goal is always to help her clients get past their legal problems and get on with their lives.

Bankruptcy doesn’t have to be a painful process. To schedule a free personal consultation, call Craft Law Offices at (252) 752-0297 or email us at le************@***il.com. My offices are located in Greenville, Morehead City, and Rocky Mount for your convenience. I also represent clients in surrounding Eastern North Carolina communities, including Warrenton, Elizabeth City, Roanoke Rapids, Goldsboro, and Jacksonville.

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What Can I Do About My Child’s Underage Drinking Ticket?

William and Ava did not know how to react to their son, Carter’s, most recent escapade. Well, it was more than a trivial incident – he had been out partying with friends and got an underage drinking ticket. They knew the situation was serious. Not only was he drinking, but now he had a citation to deal with. William and Ava feared the ticket would mark Carter’s record forever. Let’s look at what they can do to handle their child’s underage drinking ticket.

Underage Drinking Tickets Are Serious

And parents should treat them as such. This type of behavior cannot be excused away as “boys will be boys” or “all kids drink.” It’s still a crime in the eyes of North Carolina law enforcement officers.

It’s critical that parents whose children receive an underage drinking ticket contact an experienced attorney as soon as possible. Ignoring the ticket or thinking you can handle the situation without legal advice could make a bad situation even worse.

Understand What Type of Ticket Your Child Received

Underage drinking and related behavior could break several laws, including:

  • Consumption or possession of alcohol by a person who is less than 21 years old (North Carolina Statutes Section 18B-302(B)).
  • Fraudulent use of identification to obtain alcohol. ((North Carolina Statutes Section 18B-302(E)).
  • Driving by a person less than 21 years old after consuming alcohol or drugs (underage driving while impaired) (North Carolina Statutes Section 20-138.3).

Your attorney can better explain the severity of your child’s citations.

What Are the Potential Consequences of an Underage Drinking Ticket?

Underage drinking by itself can lead to fines, community services, and loss of driver’s license. But consider this: underage drinking often leads to other crimes. Kids whose judgment is impaired might drive while impaired, commit crimes, and cause property damages.

Also, alcohol use can lead to “fighting, academic problems, truancy, unprotected sexual activity, unwanted sexual advances, illegal activity and other illicit drug use.” A citation could lead parents to wonder what they can do about their child’s underage drinking as well as their underage drinking ticket.

Dealing with a Child’s Underage Drinking Ticket? We Can Help.

You can consider it a wake-up call. While pondering the potential consequences of your underage drinking, you still have to deal with the legal system. It is best if you talk to an attorney who understands how to defend an underage drinking charge.

Attorney Leslie Craft has the experience you need to deal with underage traffic violations. Ms. Craft’s goal is always to help her clients get past their legal problems and get on with their lives.

To schedule a free personal consultation, call Craft Law Offices at (252) 752-0297 or email us at le************@***il.com. My offices are located in Greenville, Morehead City, and Rocky Mount for your convenience. I also represent clients in surrounding Eastern North Carolina communities, including Warrenton, Elizabeth City, Roanoke Rapids, Goldsboro, and Jacksonville.

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It’s Okay to Ignore North Carolina Traffic Citations, Right?

No one likes to see flashing lights in their rearview window. This usually means that you are about to get a ticket for a traffic violation. Some people feel that situations like this are unimportant. After all, it’s only a traffic ticket. What’s the worst that could happen? Well, let’s look at some of the consequences you might face if you ignore your North Carolina traffic citations.

Failing to Appear in Court

Many traffic citations require you to attend a hearing. If you skip your court date, your case will be marked “called and failed.” Then, about 20 days later, the court issues a Failure to Appear against you. Continuing to ignore your North Carolina traffic citations could result in the following:

  • notification to the Department of Motor Vehicles, and
  • suspension of your license for an indefinite period of time.

If you continue to ignore your North Carolina traffic citations, the court may issue an order for your arrest.

Failing to Pay Your Fine

In some cases, you might go to your court hearing – a good first step. The judge orders you to pay a certain amount as a fine. If you choose to ignore the judge’s order, the following things might have:

After 40 days, the court reports you to the NC DMV.

Your license may be revoked. It will remain revoked until you resolve your fine. In the meantime, you might have accumulated additional fines and court costs.

Additional Problems Associated with Ignoring North Carolina Traffic Citations

Penalties assessed and actions taken by the court can lead to other problems. For example, losing your driver’s license could make it impossible to get to work. Loss of income is more than a minor annoyance.

Being arrested for any reason can be really embarrassing. Here, again, you could lose your job along with your freedom. Getting yourself out of jail might include hiring both a bail bond agent and an attorney. Your court costs and legal fees are almost guaranteed to be more than the cost of your initial traffic citation.

No, It’s Not Okay to Ignore North Carolina Traffic Citations.

The ticket itself carried a penalty, usually a fine if it was a minor offense. By failing to take care of your citations, you typically will see increased legal fees, court costs, penalties, along with suspension or revocation of your driving privileges.

Attorney Leslie Craft has the experience you need to deal with traffic violations. Ms. Craft’s goal is always to help her clients get past their legal problems and get on with their lives.

To schedule a free personal consultation, call Craft Law Offices at (252) 752-0297 or email us at le************@***il.com. My offices are located in Greenville, Morehead City, and Rocky Mount for your convenience. I also represent clients in surrounding Eastern North Carolina communities, including Warrenton, Elizabeth City, Roanoke Rapids, Goldsboro, and Jacksonville.

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Why Do We Have Traffic Laws?

We live in a country with many freedoms. But when it comes to driving on our highways and byways, there are strict rules to what you can and cannot do. If you resent having to stop at a red light even when no one else is on the road or having to drive 55 on a beautiful, wide-open road, this article is for you.

Traffic Laws Offer Protection

We have traffic laws to protect people on the roadways. Roadways are dangerous places, especially for pedestrians. Traffic laws can help deter bad behavior behind the wheel because drivers know (or should know) that they could be fined or arrested for ignoring traffic laws.

Drivers owe a duty of care to other drivers, passengers, and pedestrians because of traffic laws. Enforcement of traffic laws reminds people of those laws and makes the roads a little safer for everyone.

Traffic Laws Promote a More Civilized Society

Some drivers will be thoughtful and considerate to other drivers on their own. The other 99% of drivers are why we have traffic laws.

Take speed limits as an example. Someone who thinks it’s fun to go 100 miles per hour on a city street is not considering the safety of other people. So they may receive a ticket or be arrested for exceeding what is probably a 25 miles per hour speed limit that’s typical on city streets.

Speed limits are set for very specific reasons, usually related to public safety. For example, a road with many intersections might have a lower speed limit than one with limited access. That’s because motorists must be more cautious as other cars move from one road to another.

Interestingly, one of the first speed limits on record was set in the 17th century. Drivers of wagons, carts, and sleighs in New Amsterdam incurred fines for galloping in town. Even before motorized vehicles, people needed to be protected from their worst impulses when it comes to driving.

Educating the Public About Safe Driving

Traffic laws teach people what is acceptable behavior and what is not. For example, every state has laws against driving while impaired. That’s because drunk driving kills an estimated 28 people every day. Most people know that drunk driving is against the law, but other laws are less noticeable.

For example, North Carolina drivers may not know that it’s against the law to park on the highway or drive too slowly. Traffic laws like this help inform drivers of unusual situations that could be dangerous.

Have You Broken Any North Carolina Traffic Laws?

Attorney Leslie Craft has the experience you need to deal with traffic violations. Ms. Craft’s goal is always to help her clients get past their legal problems and get on with their lives.

To schedule a free personal consultation, call Craft Law Offices at (252) 752-0297 or email us at le************@***il.com. My offices are located in Greenville, Morehead City, and Rocky Mount for your convenience. I also represent clients in surrounding Eastern North Carolina communities, including Warrenton, Elizabeth City, Roanoke Rapids, Goldsboro, and Jacksonville.

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3 Basic Types of Distracted Driving Along with Some Specific Examples

In 2019, distracted drivers caused more than 3,000 deaths. Most of us will assume that distracted driving refers primarily to texting or using our cell phones. However, we will look at specific examples of potentially dangerous activities that might help you avoid traffic citations or worse.

#1.  Visual Distractions

The Centers for Disease Control and Prevention (CDC) noted this information about distracted driving on its website:

“At 55 miles per hour, sending or reading a text is like driving the length of a football field with your eyes closed.

Hands on the wheel.

Eyes on the road.”

However, the CDC goes on to note that anything “that takes your attention away from driving can be a distraction.”

Specific examples of visual distractions include:

  • Texting, of course
  • Watching videos
  • Children in the car
  • Looking for items in the car
  • Watching your GPS
  • Accidents on the roadway
  • Entertaining billboards
  • Weather events

Some visual distractions are unavoidable. However, focusing on the road saves lives.

#2.  Manual Distracted Driving

Some distracted drivers don’t just look. They take one or both hands off the wheel while speeding down the highway.

Manual distractions include:

  • Applying makeup
  • Playing with electronics, including your phone
  • Adjusting temperature controls or the radio
  • Eating and drinking
  • Smoking
  • Caring for children

This type of distracted driving actually includes elements of visual distraction and cognitive distraction. For example, playing with electronics involves looking at the device (visual), searching or selecting items (manual), and thinking about what you want from the device (cognitive).

The distractions mentioned above might seem important at the moment. But keeping your hands on the wheel could keep you from becoming a statistic.

#3.  Cognitive Distractions

It’s so important to keep your mind on your driving, but sometimes so difficult to do. Distracted driving accidents could occur because a driver “zones out” for a while. Some specific cognitive distractions include:

  • Daydreaming
  • Thinking of an exciting event, like a baseball game you’re listening to while you drive
  • Remembering an upsetting event, like a family emergency or death in the family
  • Listening to loud music
  • Talking to passengers
  • Being sleep deprived
  • Taking medications that make you drowsy

This might be the most difficult type of distracted driving to avoid. It’s tough to keep your mind on your driving at night, after an upsetting event, or when the road is particularly boring.

Distracted Driving Can Lead to Traffic Citations

Attorney Leslie Craft has the experience you need to deal with traffic violations. Ms. Craft’s goal is always to help her clients get past their legal problems and get on with their lives.

To schedule a free personal consultation, call Craft Law Offices at (252) 752-0297 or email us at le************@***il.com. My offices are located in Greenville, Morehead City, and Rocky Mount for your convenience. I also represent clients in surrounding Eastern North Carolina communities, including Warrenton, Elizabeth City, Roanoke Rapids, Goldsboro, and Jacksonville.

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Points on Your Driving Record Means Higher Insurance Premiums

Even after getting several traffic citations, Todd just didn’t take his driving record very seriously. Then he got his new automobile insurance bill. It turns out that having points on your driving record is not just an empty bureaucratic threat. Automobile insurance costs more for people who with less than stellar driving records.

But why?

What ‘Points’ on Your Driving Record Means

When you are convicted of certain traffic violations, the Department of Motor Vehicles assesses points on your driving record. This simply shows anyone looking at your record that you have committed some kind of serious infraction.

And points add up based on the type of violation.

Let’s say you are convicted of going more than 10 miles over the speed limit. Your driving record receives one point. You might also receive points for the following:

2 points –        illegal passing, driving on the wrong side of the road.

3 points –        at fault in an accident that results in total bodily injury of more than $1,800 or property damage of more than $3,085.

4 points –        passing a stopped school bus, reckless driving

8 points –        driving while your license is revoked or suspended,

10 points –      highway racing, eluding arrest

12 points –      driving while impaired, manslaughter, or negligent homicide

To see a complete list, click this link. But how do points on your driving record become higher auto insurance premiums?

The Connection Between Points on Your Driving Record and Insurance

As mentioned above, automobile insurance costs more when you are at a greater risk. Having points on your driving record shows insurers that you have trouble obeying traffic laws or following police instructions. It might also give the impression that you are not concerned about hurting yourself or others.

According to one study, insurance premiums could increase 180% if you have two points on your driving record. But North Carolina uses a different system.

It’s called the Safe Driver Incentive Plan (SDIP).

A Financial Incentive for Good Driving

North Carolina uses a unique way to encourage safe driving. Under state law, the Safe Driver Incentive Plan (SDIP) dictates how much insurance premiums will rise after certain traffic convictions.

The increases range from:

30% for one point to

340% for 12 points.

Many people will find it difficult or impossible to pay the increased insurance premiums. You may feel you might get points on your license because of a recent traffic violation. Talk to an experienced traffic law attorney as soon as possible. You might be able to minimize or avoid having points on your driving record.

About the Author

Attorney Leslie Craft has the experience you need to deal with traffic violations, especially those that could add points to your driving record. Ms. Craft’s goal is always to help her clients get past their legal problems and get on with their lives. Consultations are free and only take about 30 – 45 minutes of your time. Your options may surprise and even excite you!

To schedule a free personal consultation, call Craft Law Offices at (252) 752-0297 or email us at le************@***il.com. My offices are located in Greenville, Morehead City, and Rocky Mount for your convenience. I also represent clients in surrounding Eastern North Carolina communities, including Warrenton, Elizabeth City, Roanoke Rapids, Goldsboro, and Jacksonville.

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North Carolina Foreclosure Prohibition Ends on June 30, 2021. What to Do When You Get That Letter.

During the COVID-19 public health emergency, the government temporarily halted foreclosures. Many homeowners breathed a sigh of relief at the news. However, the prohibition ends on June 30, 2021. If you are at risk for a North Carolina foreclosure, what will you do when your lender starts contacting you?

Basic Foreclosure Information

Mortgage holders use foreclosures when borrowers have defaulted on their loans. Using whatever means available, the mortgage holder sells the property and uses the proceeds to pay off the remaining balance on the mortgage. The borrowers lose all their property interests and rights.

There are several types of foreclosure:

  • Power of Sale Foreclosure. The trustee named in a deed of trust can sell property on the lender’s behalf after a borrower defaults on his or her mortgage.
  • Foreclosure by Civil Action. The person or entity trying to foreclose files a foreclosure by civil action case in a special proceeding in the county courthouse where the property is located.
  • Foreclosure of Tax Lien. Local governments use this type of foreclosure to collect unpaid property taxes.

We will look only at the power of sale foreclosure process.

The North Carolina Foreclosure Process

Usually, the process starts with a letter from your lender. This is sometimes called a demand letter because your lender or trustee is telling you to fix the default on your loan or face foreclosure.

Next, the trustee or substitute trustee will file a notice of hearing with the clerk of the superior court. This notice must be filed in the county where the property is located.

The notice is then served on the borrower, usually by sheriff or by certified mail, return receipt requested. Sometimes the borrower cannot be served. When this happens, the sheriff can just post a copy of the notice of hearing at the property itself.

Options to Consider

If you have defaulted on your loan, it might not be too late to stop your North Carolina foreclosure. The trustee or lender might be willing to work out new payment arrangements or loan modifications if you call them.

Filing for bankruptcy protection also can help you keep your home. However, talk to an experienced bankruptcy attorney before declaring bankruptcy on your own. It’s easy to make mistakes when filing for bankruptcy, like filing a Chapter 7 when you should have filed Chapter 13.

Call to Discuss Your Potential North Carolina Foreclosure

Attorney Leslie Craft has the experience you need to deal with bankruptcy. Ms. Craft’s goal is always to help her clients get past their legal problems and get on with their lives.

To schedule a free personal consultation, call Craft Law Offices at (252) 752-0297 or email us at le************@***il.com. My offices are located in Greenville, Morehead City, and Rocky Mount for your convenience. I also represent clients in surrounding Eastern North Carolina communities, including Warrenton, Elizabeth City, Roanoke Rapids, Goldsboro, and Jacksonville.

Bankruptcy Doesn’t Have to Be a Painful Process.

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Ask a North Carolina Bankruptcy Lawyer: Can I Limit my Chapter 13 Bankruptcy to Medical Bills Only?

Americans spend about $3.8 trillion on healthcare every year. According to a 2019 study, per capita health care expenditures increased to $11,582. So it should come as no surprise that medical expenses are one of the most common reasons people file for bankruptcy. In fact, medical debt contributed to 66.5% of 2019 bankruptcies. If you have accumulated a lot of healthcare-related debt, you might be wondering if you could file bankruptcy but for medical bills only. Let’s ask a North Carolina bankruptcy lawyer if that’s possible.

First, it’s important to understand how Chapter 13 bankruptcy works.

Debtors with a certain level of income might find debt relief through a Chapter 13 bankruptcy. In fact, sometimes Chapter 13 is called the wage earner’s plan.

When filing a Chapter 13 bankruptcy petition, the borrower also provides information about:

  • all assets and liability,
  • income and expenditures,
  • executory contracts and leases, and
  • exhaustive information about their financial affairs.

In the statement of financial affairs, petitioners must include: “A list of all creditors and the amounts and nature of their claims.”

After providing all this information, the petitioner and a bankruptcy administrator work out a repayment plan. Debtors typically pay off most of their debts in a three-to five-year plan. Once the plan is completed and the debtor meets other requirements, the debtor receives a Chapter 13 bankruptcy discharge.

Must all debts be included?

Yes. You will be required to tell the court about all of your debts, no matter the source. Even debts you might consider personal must be disclosed. For example, maybe you borrowed money from your brother to buy a new car, and you don’t want that debt included in your Chapter 13 bankruptcy. You can discuss this with your attorney, but it is highly unlikely you would be able to hide this debt.

However, your North Carolina bankruptcy lawyer can explain how all of your debts will be handled during your bankruptcy. While all debts must be disclosed, they are treated differently. In fact, your debts will be considered as one of the following types of claims:

  • Priority.
  • Secured.
  • Unsecured.

Medical bills are usually considered unsecured debt that is not a high priority. In other words, debts can usually have their medical bills discharged in most cases.

Call to Discuss Your Medical Bills and Potential Chapter 13 Bankruptcy.

Attorney Leslie Craft has the experience you need to deal with bankruptcy and traffic violations. Ms. Craft’s goal is always to help her clients get past their legal problems and get on with their lives.

To schedule a free personal consultation, call Craft Law Offices at (252) 752-0297 or email us at le************@***il.com. My offices are located in Greenville, Morehead City, and Rocky Mount for your convenience. I also represent clients in surrounding Eastern North Carolina communities, including Warrenton, Elizabeth City, Roanoke Rapids, Goldsboro, and Jacksonville.

Bankruptcy Doesn’t Have to Be a Painful Process.

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What Happens If I Don’t Complete My Chapter 13 Repayment Plan

Sometimes it’s hard to predict where you will be in three to five years. But that’s how long it usually takes to complete a Chapter 13 repayment plan. Let’s look at what your plan is supposed to accomplish – and what will happen if you don’t complete it.

The Chapter 13 Repayment Plan

If you are eligible to file this type of bankruptcy, the goal is to get your debt to a manageable level and pay all or part of your debts over time. That’s what your plan is supposed to do. If you reach the end of your plan and have made all payments, some remaining debts are discharged. You just get on with your life. However, there are consequences if you fail to complete your Chapter 13 repayment plan.

An Unfinished Plan

There are several reasons you might not complete your plan. But before letting your plan lapse, consider what will happen if you do.

  • Dismissal of Bankruptcy. The bankruptcy court will likely dismiss your bankruptcy. Sometimes this is done at the request of your creditors, who will know you have stopped making payments because they will stop receiving payments.
  • The Automatic Stay Goes Away. When you filed your Chapter 13 petition, an automatic stay went into effect. This means your creditors, in most cases, have to stop asking you for payment. If you default on your Chapter 13 repayment plan and your bankruptcy is dismissed, the automatic stay is no longer in effect.
  • Creditors Can Act. Since the bankruptcy is over and the automatic stay is gone, creditors can now go after you for payment of your debts. Debts covered in your Chapter 13 repayment plan didn’t go away because your plan was not completed.

We strongly encourage you to take steps to keep your plan in place instead of letting it lapse.

Avoiding a Default

If your Chapter 13 repayment plan no longer works, you might still be able to protect your bankruptcy from dismissal.

  • Ask for Modification. You and your attorney can ask the court to modify your payments. Judges usually expect to see a good reason for your inability to complete your plan.
  • Convert to a Chapter 7. This action can be complicated. Not everyone qualifies to file a Chapter 7 bankruptcy.

In some situations, you also can ask the court for a hardship discharge. Again, you have to prove your hardship and meet certain requirements before a judge grants your request.

Are You Having Trouble Making Payments on Your Chapter 13 Repayment Plan?

Attorney Leslie Craft has the experience you need to deal with bankruptcy. Ms. Craft’s goal is always to help her clients get past their legal problems and get on with their lives. Consultations are free and only take about 30 – 45 minutes of your time. Your options may surprise and even excite you!

To schedule a free personal consultation, call Craft Law Offices at (252) 752-0297 or email us at le************@***il.com. My offices are located in Greenville, Morehead City, and Rocky Mount for your convenience. I also represent clients in surrounding Eastern North Carolina communities, including Warrenton, Elizabeth City, Roanoke Rapids, Goldsboro, and Jacksonville.

Bankruptcy Doesn’t Have to Be a Painful Process.

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