Aug. 13--Inside bankruptcy court at Charlotte's federal courthouse one recent morning, a man in faded jeans was begging his attorney not to abandon his case.

Tim Beaver, a wiry mechanic with close-cropped hair, said he had invested a lot in a new garage near downtown Gastonia. The payments, along with other bills, a few months of slow business and the rising cost of gas had overwhelmed him.

"I'm not a businessman," he said, his voice cracking. "There's only so much money a person can make."

Scenes like this one are playing out more often in Mecklenburg courtrooms, with bankruptcy filings surging as the slumping economy stretches businesses and individuals. Experts say the worst is probably yet to come, because each economic slide takes a few months to push people into bankruptcy.

There were 3,122 bankruptcy filings in the Western District of North Carolina from January through June, up more than 11percent over the same period last year, according to figures from the district bankruptcy administrator's office.

Chapter 7 filings -- personal bankruptcies -- were up 17.5 percent the first six months of the year.

Nationally, filings were up more than 26 percent in the first quarter this year over the same period last year, according to the American Bankruptcy Institute. Chapter 7 filings were up 34percent the first quarter. The increases come even after a 2005 law made filing for bankruptcy more difficult.

Charlotte is faring better than other parts of the region, where manufacturing jobs have disappeared.

Still, the economy is forcing a growing number of individuals, restaurateurs and other small-business owners to file for bankruptcy protection, said Martin Hunter, a bankruptcy attorney with Shuford Hunter in Charlotte. His business is up 20 to 25 percent, he said.

Usually sick, divorced or unemployed in years past, today's bankruptcy clients are also homeowners and people "who were formerly considered well off," Martin said.

The average American in financial distress is married, 35 to 44 years old and employed, with a high school diploma or some college, according to a 2007 report from the Institute for Financial Literacy, a nonprofit financial education organization.

Beaver, the mechanic, is an Army veteran who loves cars and wants to work, rather than draw from his disability pay, he said.

"That's my life," he said later. "You take that away from me, you take away my life."

The handful of others in the courtroom that day, scattered along the low, wooden benches, had similar stories. They rose, one after the other, to talk to the judge, and then filed out of the room, whispering with their attorneys. In a courtroom across the hall, a string of lawyers and struggling clients were trying to convince their creditors not to foreclose on their homes.