It seems there is a lot being made of states rights these days and different states absolutely have different laws. When discussing creditor rights bankruptcy lawyer raleigh nc residents might speak to would be unlikely to know much about the rights of people in a neighboring state. While the generalities are likely to be the same, the specifics may vary wildly. A brief overview from a lawyer versed in these fields might run you a little money but with a little work you can probably turn up at least one guy who does not mind speaking to you for free to let you know what your best option is for handling your personal matter.
Do not assume that laws are the same from state to state or even county to county. Speak to an authority on the matter and find out what you need to know before it is too late.