North Carolina Joint Debtors Entire tieses Ownership - Wildcard Exemption — Full Avoidance is a type of debt relief available to North Carolina residents. This form of debt relief allows joint debtors to protect their assets from creditors by creating a legal entity, through the use of the entirety principle, which can shield their assets from creditors. The Wildcard Exemption allows joint debtors to exempt certain assets from creditors, such as a home, a car, and other personal property. The Full Avoidance allows joint debtors to avoid having to pay back certain types of debt, such as credit card debt, medical bills, and other unsecured debt. There are two types of North Carolina Joint Debtors Entire tieses Ownership - Wildcard Exemption — Full Avoidance: the homestead exemption and the wildcard exemption. The homestead exemption allows joint debtors to keep their home and other real estate from creditors, while the wildcard exemption allows joint debtors to exempt certain personal property from creditors.