Chapter 13


CAN I GET RID OF BACK CHILD SUPPORT IN CHAPTER 7 BANKRUPTCY?

Posted on 04 25,2015

You cannot discharge overdue child support amounts in any bankruptcy, including Chapter 7. However, a Chapter 7 bankruptcy can still help if you owe back child support by freeing you up from paying other debts which can be discharged.

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IF I FILE BANKRUPTCY, WILL I LOSE EVERYTHING?

Posted on 03 14,2015

You may be surprised to learn that in the overwhelming majority of bankruptcy cases filed, the Trustees do not take any assets to sell for creditors. That means that bankruptcy filers are usually able to keep everything that they decide to keep.

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HOW CAN BANKRUPTCY HELP ME SAVE MY HOME?

Posted on 02 28,2015

If you have fallen behind on your mortgage payments and need some time to get back on track, your first step is usually to communicate with your mortgage company and to find out how they can help you. Your lender may be able to help you get your mortgage caught up, perhaps by offering you a forbearance or a loan modification. You can also get free counseling about your options through the government. Click here for a list of HUD-approved nonprofit housing counselors in Virginia.

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DANGERS OF FILING FOR BANKRUPTCY ON YOUR OWN

Posted on 10 14,2014

If you are overwhelmed by debt and other financial obstacles, bankruptcy may be an effective option for your situation. However, it can be difficult to determine if bankruptcy is truly the best course of action for your case without the counsel of a seasoned and knowledgeable bankruptcy attorney. Like many legal matters, you can technically file for bankruptcy without the representation of a lawyer. But is that really a wise choice? Many people think that they cannot afford to pay for an attorney, especially amidst their current debt. On the contrary, it is often true that you cannot afford to not have a legal representative at your side during this time.

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STEPS IN A CHAPTER 13 BANKRUPTCY

Posted on 05 06,2014
STEPS IN A CHAPTER 13 BANKRUPTCY

If you are planning on filing for bankruptcy, we recommend you familiarize yourself with the steps involved in the bankruptcy process. Becoming aware of your legal rights and gaining an understanding of what is expected of you at each step of the way will go a long way towards helping you attain true debt relief. Each type of bankruptcy has different steps which must be followed before a debtor will be able to eliminate or significantly reduce a large portion of debt.

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WHO CAN FIND OUT I FILED BANKRUPTCY?

Posted on 04 21,2014
WHO CAN FIND OUT I FILED BANKRUPTCY?

If you are contemplating bankruptcy as a way to resolve unpaid debt, you may be wondering who will be able to find out you filed. When an individual files for bankruptcy it becomes a matter of public record. A bankruptcy filing will remain on your credit report for up to 10 years after the date of discharge, so any individual or organization who runs your credit will be able to see you filed for bankruptcy. This does not mean all of your friends, family, co-workers and others will ever become aware of your financial situation. It simply means the information is available should someone choose to search for it. In most cases, unless you personally advise others of the fact you filed for bankruptcy, they will never be alerted to or made aware of the fact that you have done so.

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WHAT IS CHAPTER 13 BANKRUPTCY?

Posted on 01 16,2014

Many people understand Chapter 7 bankruptcy, in which unsecured consumer debt is discharged, and this is the most commonly filed form of bankruptcy. The process of filing Chapter 13 is far different, and could be the right solution for you, particularly if you are trying to avoid losing your home through foreclosure. Chapter 13 is also known as "wage-earner's bankruptcy," as it is often the appropriate solution for those who don't qualify for Chapter 7, as they are above the state's median to be eligible, and are currently earning an income as an employee, or as a self-employed person.

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