North Carolina Procedures for Discharge of Debtor with Completed Plans --Revised: 11/2016) provide a framework for debtors to pay off their creditors through a court-approved plan. The process involves filing a Petition for Discharge with the clerk of court, submitting a plan to the U.S. Trustee, attending a creditors’ meeting, and receiving a discharge order from the court. There are two types of North Carolina Procedures for Discharge of Debtor with Completed Plans --Revised: 11/2016): Chapter 7 and Chapter 13. Chapter 7 involves liquidating assets to pay off creditors. After the petition is filed, the debtor must attend a creditors' meeting to answer questions about their assets, liabilities, and financial situation. The court will then issue a discharge order, which releases the debtor from liability for most types of debt. Chapter 13 involves developing a repayment plan. The debtor must submit their plan to the U.S. Trustee and attend a creditors' meeting. Once the court approves the plan, the debtor must make regular payments to their creditors. After the debtor has made all of their payments, the court will issue a discharge order. Regardless of the type of discharge, all debtors must complete an approved credit counseling course and debtor education course prior to receiving their discharge order.