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I am a buyer bankruptcy attorney situated in Alexandria, VA And that i serve the demands of These in Alexandria, Virginia and also the encompassing area. I am a solo practitioner which implies that I will Individually take care of your circumstance from start out to complete.

Secured debts are those that have a bit of property as protection, just like a mortgage loan or car or truck mortgage. The creditor includes a lawful appropriate to repossess the collateral if you default over the payments.

Unsecured debts are the ones that have no collateral, for instance credit card debt. They are really paid last and might not be paid out in whole—or in the least. The bankruptcy court will think about the debtor’s disposable cash flow in determining exactly how much funds unsecured creditors ought to get.

Future, the court docket will timetable a gathering of creditors in which you’ll fulfill While using the trustee to answer some inquiries (much more on this quickly). At the least seven days before the creditors’ Assembly, it's essential to give your trustee your final two years of federal money tax returns plus a financial institution assertion that addresses your bankruptcy filing date.

I depict customers in a variety of lawful regions. I frequently represent clientele all over the Richmond space and I typically travel as far east as Virginia visit this page Beach, as much north as Spotsylvania, as far woodbridge bankruptcy attorney west as Charlottesville and as far South as Dinwiddie.

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On the other hand, both of those secured and unsecured debts can likely be discharged or restructured through bankruptcy, albeit with diverse implications.

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Let's just take a closer think about the necessary paperwork you must deliver when submitting for bankruptcy.

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A Chapter 13 repayment program generally normally takes three or 5 years, based on the debtor’s regular profits and spouse and children sizing.

Should you file a Chapter 13 case then end up deep in debt all another time, you can file another Chapter thirteen petition in just two decades out of your preceding filing date and hope to acquire new debts discharged. But In the event your past bankruptcy was a Chapter 7, you’ll have to wait four years to test Chapter thirteen.

Since filing bankruptcy has very long-expression fiscal outcomes, you'll want to know how Chapter thirteen will work just before any official proceedings occur. What Chapter 13 bankruptcy is And exactly how it really works