Union County Bankruptcy Records
Union County bankruptcy records are filed through the Charlotte Division of the Western District of North Carolina. The county seat is Monroe, located southeast of Charlotte. Union County has a population of about 201,000 residents, making it one of the faster-growing counties in the state. Bankruptcy filings from Union County are public records in the federal court system. This page covers how to search for and access Union County bankruptcy records.
Union County Quick Facts
Federal Bankruptcy Court for Union County
The Western District of North Carolina Bankruptcy Court handles all bankruptcy filings from Union County. Cases go to the Charlotte Division. The main office is at 401 West Trade Street, Suite 2500, Charlotte, NC 28202. Phone: 704-350-7500. This division also covers Anson, Gaston, and Mecklenburg counties.
Union County government offices are at 500 N. Main Street in Monroe, NC 28112. The county spans the 8th and 9th Congressional Districts and the 35th Senate District. While state court records are handled locally through the Clerk of Superior Court in Monroe, all federal bankruptcy cases from Union County go through the Charlotte office.
The Charlotte Division office is open Monday through Friday, 8:30 a.m. to 4:00 p.m. The office closes for lunch from 12:30 to 1:30 p.m. All mail for Union County bankruptcy cases should be sent to the Charlotte Clerk's Office.
How to Search Union County Bankruptcy Cases
PACER is the main tool for searching Union County bankruptcy records. Sign up for a free account. Search by debtor name, case number, or date range. The system charges ten cents per page, and the first $30 each quarter is free. PACER holds every Western District filing, including all Union County cases.
For quick phone lookups, call the Voice Case Information System at 866-222-8029. VCIS provides free case data around the clock. You can hear filing dates, case status, chapter type, and trustee names for Union County bankruptcy cases.
The Charlotte courthouse has public access terminals. Visit during business hours to search for Union County bankruptcy records at no cost. Court staff can help you use the terminals to find the case you need.
The NC Judicial Branch page for Union County provides state court information. The NC eCourts portal covers state-level case searches for civil and criminal records in Union County.
What Union County Bankruptcy Filings Contain
Each Union County bankruptcy file starts with the petition. It lists the debtor's name, address, and the chapter of bankruptcy chosen. Schedules follow, covering every asset, debt, source of income, and monthly expense in detail. The statement of financial affairs reviews the debtor's recent financial transactions.
Under 11 U.S.C. § 107, most bankruptcy documents are public records. Anyone can view them through PACER or at the court. Social Security numbers are partially hidden in public filings. Tax returns may be restricted. But the vast majority of a Union County bankruptcy case file is accessible to the public.
Standard documents in a Union County case:
- Voluntary petition and all schedules
- Statement of financial affairs
- Means test for Chapter 7 eligibility
- Chapter 13 repayment plan if applicable
- Proof of claim filings from creditors
- Discharge order or dismissal
Note: Union County bankruptcy records from closed cases remain in the court system and can be searched through PACER for many years after the case ends.
Union County Court Resources
The Western District court website has forms, fee schedules, and local rules for Union County bankruptcy cases. The site also provides electronic filing access through CM/ECF for attorneys and registered filers.
The court site links to PACER and provides filing guidance for all Union County bankruptcy matters.
The NC court records help page explains how to access state-level records in Union County. For old federal cases, the National Archives stores closed bankruptcy files from the Western District. The North Carolina State Records site offers a guide to finding bankruptcy filings across the state.
PACER gives full access to every Union County bankruptcy filing in the Western District of North Carolina.
Court Information for Union County
Below are the key contact details for the bankruptcy court that handles Union County cases.
| Court |
U.S. Bankruptcy Court - Western District of NC Charlotte Division 401 West Trade Street, Suite 2500 Charlotte, NC 28202 Phone: 704-350-7500 |
|---|---|
| Hours | Monday through Friday, 8:30 AM to 4:00 PM (closed 12:30-1:30 PM) |
| Website | ncwb.uscourts.gov |
Bankruptcy Chapters Filed in Union County
Chapter 7 and Chapter 13 are the most common bankruptcy types in Union County. Chapter 7 liquidates non-exempt assets to pay creditors and wipes out most unsecured debts. The process usually takes about four months. Most Union County filers keep all their property because exemptions cover it.
Chapter 13 creates a repayment plan over three to five years. Union County filers make monthly payments to a trustee who distributes funds to creditors. This plan lets people keep their home and car while catching up on missed payments. The Charlotte court must approve the plan before it starts.
Chapter 11 is used for business reorganizations in Union County. Given the county's growing population and business base, Chapter 11 filings do occur. All case records are stored in the same Western District system and can be searched through PACER. Every chapter creates a public record in the Union County case file.
Nearby Counties
These counties are near Union County. Bankruptcy is filed based on the debtor's home address at the time of filing.