Western District of North Carolina Bankruptcy Trustee Directory (2026)

North Carolina’s bankruptcy system is organized into three federal judicial districts: Eastern, Middle, and Western. Although the United States Trustee Program (USTP) does not administer bankruptcy estates in North Carolina, each district operates under the Bankruptcy Administrator system, which carries out the same statutory duties performed by trustees in other states. This administrative distinction has no effect on how your case proceeds or on the trustee’s responsibilities.

Whether you file under Chapter 7 or Chapter 13, the trustee serves as a fiduciary charged with protecting the bankruptcy estate, reviewing your financial disclosures, conducting your 341 Meeting of Creditors, and liquidating non-exempt assets.

Key Takeaways: Western District Bankruptcy Trustee

District Coverage: The Western District of North Carolina covers Asheville, Bryson, Charlotte, Shelby, and Statesville. Each division has appointed Chapter 7 panel trustees and Chapter 13 standing trustees who oversee bankruptcy cases filed within their jurisdiction.
Chapter 7 (Liquidation): Trustees identify non‑exempt assets that may be liquidated for creditor benefit.
Chapter 13 (Reorganization): Standing Trustees administer monthly plan payments, oversee plan feasibility, and conduct both the 341 Meeting and Confirmation Hearing.
Meeting Format: Most 341 Meetings in North Carolina continue to be held via Zoom or telephone, though trustees may require in‑person appearances for identification or complex cases.
Document Deadlines: Debtors must submit tax returns, bank statements, pay stubs, and other requested documents no later than seven days before the 341 Meeting.

Chapter 7 and Chapter 13 Trustees in the Western District of North Carolina

Under Chapter 7, trustees are obligated by Sections 541 and 704 of the Bankruptcy Code to review your schedules, examine your financial records, and determine whether any non‑exempt assets should be liquidated for the benefit of creditors. Their duties include verifying the accuracy of disclosures, conducting the 341 Meeting of Creditors, investigating potential assets, and liquidating property when required by law.

Below is the contact information for the Chapter 7 trustees.

Asheville/Bryson City Divisions

Trustee Name	Office Address	Contact Information
Robert A. Mays	21 Battery Park Avenue, Suite 201, Asheville, NC 28801	Telephone: (828) 435‑3335

Charlotte Division

Trustee Name	Office Address	Contact Information
Cole Hayes	601 S. Kings Drive, Suite F PMB #411, Charlotte, NC 28204	Telephone: (980) 416‑4266
Melanie J. Raubach	525 N. Tryon Street, Suite 1400, Charlotte, NC 28202	Telephone: (704) 227‑1059 Fax: (704) 344‑1483
A. Cotten Wright	521 E. Morehead Street, Suite 440, Charlotte, NC 28202	Telephone: (704) 375‑3720 Fax: (704) 332‑0215

Shelby and Statesville Division

Trustee Name	Office Address	Contact Information
Jimmy R. Summerlin, Jr.	P.O. Box 2428, Hickory, NC 28603‑2428	Telephone: (828) 322‑4663 Fax: (828) 324‑2431
John W. Taylor	4530 Park Road, Suite 302, Charlotte, NC 28209	Telephone: (980) 416‑4266

Special Limited Trustee

Trustee Name	Office Address	Contact Information
William B. Lilly, Jr.	P.O. Box 77161, Charlotte, NC 28271	Telephone: (704) 985‑9300

Western District of North Carolina – Chapter 13 Standing Trustees

Under Chapter 13, standing trustees carry out the responsibilities outlined in Sections 1302 and 1326, including evaluating the feasibility of your repayment plan, collecting monthly payments, distributing funds to creditors, and overseeing compliance throughout the life of the case. They are also present for all hearings, including the Confirmation Hearing.

Below are the contact details for the standing trustees.

Asheville, Bryson City, Statesville & Shelby Divisions

Trustee Name	Office Address	Contact Information
Steven G. Tate, Esq.	1318 D Davie Avenue, Statesville, NC 28677	Telephone: (704) 872‑0068 Fax: (704) 873‑3476 Email: general@ch13sta.com Website: www.ch13sta.com

Case Access & Remote Hearings

Remote 341 Meetings and dismissal hearings are conducted through the trustee’s permanent Zoom link:

Zoom: https://zoom.us/j/92680896479
Phone: (301) 715‑8592
Meeting ID: 926 8089 6479

Electronic payments may be made through TFS Bill Pay at www.tfsbillpay.com or by phone at (888) PAY‑CH13.

Mail Chapter 13 Plan Payments To: Steven G. Tate, Chapter 13 Trustee, PO Box 613136, Memphis, TN 38101‑3136.

Charlotte Division

Trustee Name	Office Address	Contact Information
Jenny P. Holman, Esq.	Office of the Chapter 13 Trustee, 3800 Arco Corporate Drive, Suite 510, Charlotte, NC 28273	Telephone: (704) 372‑9650 Fax: (704) 522‑6385 Email: general@ch13clt.com Website: 13network.com/trustees/cha/chahome.aspx

Remote 341 Meetings

Chapter 13 debtors who have been directed by their attorney to attend their 341 Meeting of Creditors remotely may use the trustee’s permanent Zoom link: https://zoom.us/j/4538409812.

Mail Chapter 13 Plan Payments To: Jenny P. Holman, Chapter 13 Trustee, PO Box 792, Memphis, TN 38101‑0792.

Western District Chapter 7 Trustee Document Requirements (Summary)

Chapter 7 trustees in the Western District require debtors to submit certain documents no later than ten days before the 341 Meeting of Creditors. These typically include:

Photo identification and Social Security card.
Tax returns for the two most recent years.
Pay stubs for the 60 days before filing.
Bank statements and online payment app histories (Venmo, Cash App, PayPal, etc.) for the 90 days before filing.
Vehicle titles or registrations, loan payoff statements, and mortgage statements.
Real estate tax cards or appraisals.
Retirement account statements, life insurance declarations, and documentation for 529 plans, cryptocurrency, or digital assets.

Trustees may request additional documents before or after the 341 Meeting. Debtors must comply within 14 days unless an extension is granted. Failure to provide documents on time may result in a continued meeting or dismissal.

For the complete Western District Chapter 7 Trustee Document Requirements, see the official Court‑Issued Trustee Document Checklist available on the Western District’s website.

Conclusion: Filing for Bankruptcy in the Western District

Successfully receiving a discharge in a bankruptcy case in the Western District of North Carolina requires providing the requested financial information. Whether Chapter 7 or Chapter 13 was filed, ensuring that your financial disclosures are accurate and all required documentation is submitted on time is critical to avoiding delays or dismissal.

By understanding the distinct role of the Bankruptcy Administrator program and your district’s panel trustees, you can better prepare for your meeting of creditors and the successful completion of your case.

Professor Hernandez is an attorney specializing in consumer finance and debt relief. He is the author of Consumer Bankruptcy Law (Routledge) and teaches law and finance courses in both English and Spanish at an international university.

Educational Resources

For Institutions: Colleges and universities may request examination copies of my textbook directly from Routledge Publishing.
For Students & Practitioners: Single print and digital copies are available via Amazon Books.
Video Lectures: Stream comprehensive legal breakdowns and video explanations on the Bankruptcy.blog YouTube Channel.

Bankruptcy Court & Consumer Resources

Explore additional consumer guides and state-specific directories to navigate your legal options:

A step-by-step master guide to completing and understanding the bankruptcy petition.
Bankruptcy Court Directory: Full listings for the federal bankruptcy court system and trustee contact information.
State Bankruptcy Exemptions: Review your state‑specific exemptions or compare them with the federal exemptions.
341 Meeting Procedures: Prepare for your court date with updated rules, expectations, and practical guidance.

Please note that the information on this site does not constitute legal advice and should be considered for informational purposes only.

Bankruptcy Code Citations

11 U.S. Code §541 – Property of the estate.
11 U.S. Code §704 – Duties of trustee.
11 U.S. Code §341 – Meetings of creditors and equity security holders.
11 U.S. Code §1302 – Trustee.
11 U.S. Code §1326 – Payments.