Contact the office nearest you today!
|Chesapeake Bankruptcy Attorney|
|757-482-5705 | 133 Mount Pleasant Road | Chesapeake, Virginia|
|Norfolk Bankruptcy Attorney|
|757-588-5872 | 7508 Granby St | Norfolk, Va|
|Norfolk/Va Beach Bankrupty Attorney|
|757-455-9590 | 735 Newtown Rd #101 | Norfolk, Va|
|Virginia Beach Bankruptcy Attorney|
|757-473-9597 | 522 S. Independence blvd #102D | Va Beach, Virginia|
|Portsmouth Bankruptcy Lawyer|
|757-465-9534 | 5660 Portsmouth Blvd | Portsmouth, Va|
|Suffolk Bankruptcy Attorney|
|757-539-4114 | 302 N. Main St. | Suffolk, Virginia|
307 Albemarle Drive Civic Center
Chesapeake, Virginia 23322-5571
2425 Nimmo Parkway
Virginia Beach, Virginia 23456-9057 ...
PO Box 129
711 Crawford Street Portsmouth, Virginia 23705
100 St. Paul's Boulevard
Norfolk, Virginia 23510
PO Box 1648
150 North Main Street Suffolk, Virginia 23439
(1 st judicial district of Virginia)307 Albemarle Drive Civic Center Chesapeake, Virginia 23322
(2nd judicial district of Virginia 2425 10, Judicial Center, Nimmo Parkway, Virginia Beach, Virginia.
Norfolk, Virginia 23510
(5th Judicial Circuit of Virginia.) 150 North Main Street Suffolk, Virginia 23439
1. What is bankruptcy, exactly? A. The Law office of Steve C Taylor and The Alliance Legal Group are debt relief agencies, we handle Chapter 7 bankruptcy and chapter 13 bankruptcy cases, to assist people in filing for debt relief under the US Bankruptcy code. These provisions of the bankruptcy code are designed to grant debt relief and often allow consumers a fresh start. Most of our bankruptcy petitions are filed at the federal bankruptcy court in Norfolk Va. electronically. Virginia Beach does not have a bankruptcy court.
A. To put it most simply, Chapter 7 bankruptcy or (fresh start bankruptcy)wipes away most debts for good, whereas a Chapter 13 requires some repayment of debts over time, based on the debtors budget and what he can afford to pay, often resulting in the requirement to repay only a small portion of the original debt (wage earner plan). Sometimes people choose a Chapter 13 filing if they are behind in their home or car payments, because a Chapter 13 filing may allow them to prevent foreclosure. A Chapter 13 may also allow you to keep more property than a Chapter 7 would.
3. What type, or chapter, of bankruptcy should I file?
A: Typically most Virginia Beach Consumers file under Chapter 13 bankruptcy, where repayment is made to creditors or under Chapter 7 where the debts are discharged. Each chapter of bankruptcy spells out: . What bills can be eliminated . How long payments can be stretched out . What possessions you can keep . Additional information The selection of which type to file depends on your particular circumstances and whether or not there are assets available to repay all, or part, of the debts owed. Bankruptcy laws can be tricky and involved, so determining if you should bankrupt and what type of bankruptcy you nee
4.Will bankruptcy stop garnishments and harassing phone calls?
After filing your papers in court, all harassment will come to an immediate and abrupt halt. This is because a bankruptcy filing causes an "automatic stay," which prohibits creditors from taking any action to collect debts while the bankruptcy case is pending, unless the Court grants relief from the stay.
5. Can Virginia Beach Residents file bankruptcy in cities other than Virginia Beach?
A. Bankruptcy is a federal procedure allowed by the US bankruptcy code. The federal bankruptcy court for the eastern district of Virginia is located in Norfolk. You can file your Virginia Beach bankruptcy at the Virginia Beach office of Steve C Taylor but your attorney will electronically file your bankruptcy in the U.S. Bankruptcy Court in Norfolk. There is no bankruptcy court in Virginia Beach.
6. What can I keep? What about my house, my car and my retirement plan?
Generally speaking, bankruptcy is not designed to cause you to lose your property or put you out on the street. Rather, it's designed to give you a "fresh start." In a Chapter 7 bankruptcy, you are allowed to keep property listed as an exemption by Virginia. Examples include: * Equity in your home. In Virginia, an individual can exempt up to $7,500 of home equity. For a couple filing jointly, the exemption doubles to $15,000. * Retirement plans. Most retirement plans are totally exempt. * Automobiles. Each individual is allowed an exemption of $1200 for the equity in one automobile. When a married couple files jointly, they each get this exemption. If you have more vehicles, there may be ways to keep them. * Other personal property. Most of our clients have been able to keep all of their personal property and household goods. We will tell you in advance if it appears that you have property that might have to be sold, so that you can properly consider the consequences. The issue of exemptions is complicated and has a lot to do with your personal situation. This is why we will be able to better answer these questions face-to-face after we discuss your finances.
Today's technology has allowed the Virginia law firm to offer on-line chat and legal assistance to the law office clients of sites such as Virginia accident attorney and Virginia Divorce Attorney . The rapid success enjoyed by this on-line offering has been acclaimed by clients and is now being offered by Bankruptcy Attorney and legal defense firms such as Criminal Defense Attorney. Easy access to law firms and the ability to determine appointment availability has attracted Virginia Traffic Attorney to the network and may soon attract others. Christian Rights Ministries is considering starting a similar online chat network with related Christian sites and legal resources.