Find Guilford County Bankruptcy Records

Guilford County bankruptcy records are managed by the Middle District of North Carolina Bankruptcy Court in Greensboro. As one of the largest counties in the state, Guilford County sees a high volume of bankruptcy filings each year. The Greensboro Division is the main office for the Middle District and handles cases from both Greensboro and High Point. You can search for bankruptcy records using PACER, by calling the VCIS phone line, or by visiting the courthouse on South Edgeworth Street in Greensboro. This page explains how to find and access these records in Guilford County.

Guilford County Bankruptcy Court Information

The Middle District of North Carolina Bankruptcy Court in Greensboro handles all bankruptcy cases for Guilford County. The court is at 101 South Edgeworth Street, Greensboro, NC 27401. You can reach the office at (336) 358-4000. The mailing address is P.O. Box 26100, Greensboro, NC 27402.

This is the main office for the Middle District. It serves Guilford County along with many other counties in the central part of the state. The court handles all types of bankruptcy cases, from simple Chapter 7 filings to large Chapter 11 business cases. Public access terminals at the Greensboro courthouse let you search for case data at no charge. The court also supports electronic filing through the CM/ECF system. For help with that system, you can email CMECFhelp@ncmb.uscourts.gov.

The Guilford County Clerk of Superior Court at 201 South Eugene Street in Greensboro handles state court matters. That office does not keep federal bankruptcy files. The clerk can be reached at (336) 412-7300. A second courthouse in High Point at 505 East Green Drive serves the southern part of the county for state court matters.

Searching Guilford County Bankruptcy Filings

PACER is the fastest way to search for Guilford County bankruptcy records from home. This federal system covers all cases filed since 2003. You need to set up a free account first. Then you can search by the filer's name, case number, or tax ID. The cost is $0.10 per page, with a cap of $3.00 per document. If your quarterly use stays below $30, the fee is waived entirely.

You can also visit the Greensboro courthouse in person. The lobby has public terminals that give you free access to the court database. Staff can help you with basic questions about how to look up a case. Bring the name of the person or business you want to search. A case number makes the search faster if you have one. The office is open on weekdays from 8:30 a.m. to 4:00 p.m.

For a quick check by phone, call the Voice Case Information System at 866-222-8029. This free service runs all day, every day. It gives you the filing date, case chapter, trustee, and status of a case. You need the filer's name or case number to use it.

Note: The NC eCourts portal provides state court records for Guilford County but does not include any federal bankruptcy filings.

What Guilford County Bankruptcy Records Contain

Bankruptcy records are public under 11 U.S.C. § 107. This means anyone can view them unless a judge has sealed a part of the file. A Guilford County bankruptcy case file holds many documents that show the full picture of the filing.

The petition is the first document. It shows the filer's name, address, and the chapter they chose. Schedules list all assets, debts, income, and monthly expenses. A creditor matrix names every person or company owed money. The trustee files reports on the case progress. If the case reaches a successful end, the court issues a discharge order. That order releases the filer from most of the listed debts. The docket sheet tracks every filing and court action from start to finish in a Guilford County case.

Older bankruptcy records from Guilford County filed before December 1, 2003, may not be on PACER. For those files, write to the clerk and include the $30.00 search fee. Copy charges run $0.50 per page for older records.

Bankruptcy Filing Types in Guilford County

Guilford County residents and businesses file under several bankruptcy chapters. Chapter 7 is the most common. It wipes out most unsecured debts in about four to six months. A trustee reviews your assets and may sell non-exempt property to pay creditors. Many Guilford County filers keep all their belongings under state exemptions.

Chapter 13 lets you keep your property while you pay back debts over three to five years. This option works well for Guilford County homeowners behind on a mortgage. The court and a trustee oversee the payment plan. Chapter 11 covers business reorganizations and is less common in Guilford County. All of these cases go through the Middle District Bankruptcy Court in Greensboro.

Guilford County Property Records and Liens

A bankruptcy filing can change property records in Guilford County. Liens may be stripped or modified through the court process. The Guilford County Register of Deeds at 201 West Market Street in Greensboro keeps all land records. The office phone is (336) 641-7556. A second office in High Point is at 325 East Russell Avenue.

The Register of Deeds has an online search portal for deeds, mortgages, deeds of trust, and judgment liens. If a bankruptcy discharge removed a lien on real property in Guilford County, you may need to record additional documents to clear the title. The Guilford County government website links to various county departments that keep public records. Recording fees in the county follow the state rate of $6.00 for the first page and $0.25 for each page after that.

Note: UCC financing statements filed in Guilford County can also be affected by a bankruptcy case, especially in business filings under Chapter 11.

Accessing Older Guilford County Bankruptcy Cases

Very old bankruptcy records from Guilford County may be held by the National Archives and Records Administration. NARA stores federal court records that are no longer in active use. If you need a case from many years ago, contact NARA to check their holdings.

The North Carolina State Records website provides a statewide guide to finding bankruptcy filings. The NC Judicial Branch has general information about court records in the state. While these state resources do not hold federal bankruptcy files, they can point you in the right direction for Guilford County records.

Guilford County Court Details

Nearby Counties

These counties border Guilford County. Confirm your address falls in Guilford County before filing. The federal court handles cases based on where the filer lives or does business.