North Carolina Individual Debtor — SolOwnershiphi— - Homestead Exemption - Full Avoidance is a type of exemption available to individual debtors who own their home in North Carolina. This exemption allows debtors to protect all of their equity in their home from creditors, even if they owe more on the home than its current market value. The North Carolina Individual Debtor — SolOwnershiphi— - Homestead Exemption - Full Avoidance is available in two forms: 1. Standard Avoidance — This type of exemption applies when a debtor owns their home outright and is not encumbered by any mortgages, liens, or other debts. The debtor's equity in their home is fully protected from creditors. 2. Partial Avoidance — This type of exemption applies when a debtor has some form of debt secured by their home such as a mortgage. In this case, the debtor is allowed to protect a certain amount of their equity, while creditors are allowed to take a portion of the remaining equity. The amount of equity that is protected by the debtor depends on the type of debt they are attempting to avoid.