Alexandria Bankruptcy Attorney
Get a Bankruptcy Attorney Near Me
If you are falling behind on paying your mortgage, credit card bills, or other debts, or are being sued, have judgments entered against you, are unemployed, or are otherwise in financial distress, or your business is facing financial difficulties, you could benefit from the legal skills and caring counsel of experienced Alexandria bankruptcy attorneys at Fisher-Sandler, LLC.
At Fisher-Sandler, Nathan Fisher and Michael Sandler are compassionate, experienced, and knowledgeable Alexandria bankruptcy attorneys. We know that each of our clients has unique needs and concerns. We take the time to understand our client’s issues and goals. Then, we take a hands-on approach and go to bat for the client using our skills and expertise to provide winning solutions.
Obtaining debt relief is not a do-it-yourself project. You need experienced Alexandria bankruptcy lawyers in your corner to guide you through the process and ensure that you receive a fresh start in life and wipe out your dischargeable debt.
Alexandria Bankruptcy Attorneys – Fisher-Sandler, LLC
Our Bankruptcy Law Firm represents individuals and businesses from a wide range of backgrounds, professions and family situations. Our representation is tailored to the exact needs of our clients, and we ensure that each client is being provided the solutions that will best resolve its current financial concerns.
During your initial FREE consultation, your Alexandria bankruptcy lawyer will provide honest answers to your questions and make you aware of all available legal options. You will learn about the foundations of federal bankruptcy protection, including discharge and non-dischargeable debt and the “automatic stay” that provides you with a breathing spell from creditors by stopping all collection efforts, harassment, and all foreclosure actions while you liquidate or restructure your debt.
Call Today – (703) 691-1642
Bankruptcy Options :
The two primary bankruptcy options for the individual consumer are Chapter 7 Bankruptcy and Chapter 13 Bankruptcy. At Fisher-Sandler, LLC, we will closely evaluate your situation and help you determine which approach will best resolve your current financial concerns and position you for the most secure financial future following the bankruptcy.
Alexandria Chapter 7 Bankruptcy Attorney
Chapter 7 bankruptcy is an individual liquidation bankruptcy. All consumer unsecured debt, medical bills and credit card debt may be discharged in the course of the bankruptcy, and you may no longer be responsible for them. Exceptions to this include student loans, most taxes and domestic obligations, such as child and spousal support. For many people, this is the fresh start they have been hoping for.
While your credit may be damaged for a period of time, you no longer have to deal with the weight of overwhelming debt and have the opportunity to correct financial decisions for a more secure future; and you may be able to rebuild your credit in the future.
Alexandria Chapter 13 Bankruptcy Attorney
Chapter 13 bankruptcy allows the individual to pay back debt, and in so doing keep the property he or she owns, such as a home. You will be set up with a three- to a five-year payment plan which reorganizes and restructures the debt that you have. This makes your debt and payments more manageable and offers a more comfortable approach to a fresh start.
Both forms of personal bankruptcy result in an immediate court-ordered stop to all creditor calls and harassment, wage garnishment, home foreclosure, and auto repossession.
Chapter 13 bankruptcy in Alexandria Virginia allows you to stop a scheduled foreclosure sale, and force your mortgagee to reinstate your mortgage, if you are able to cure your pre-bankruptcy mortgage arrears over a period of up to 36-60 months through payments to a Chapter 13 Trustee, while you also remit all regular mortgage payments that come due during the Chapter 13 case directly to the mortgagee as and when they come due. In certain circumstances, you can also void judgment liens on your property, and strip down wholly unsecured junior mortgages on your home.
Alexandria Bankruptcy Services:
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Chapter 11 Bankruptcy
- Emergency Bankruptcy Filing
- Mortgage Loan Modification
- Student Loan Modification
- Uncontested Divorce
- Wage Garnishment
- IRS/Bank Levy
- Foreclosure Defense
- Property Exemptions
- Tax Forgiveness
- Auto repossessions
- Creditor Harassment
Step 1: Initial Consultation With an Alexandria Bankruptcy Attorney
The initial consultation is a two-way exchange of information between you and an experienced Alexandria bankruptcy lawyer at Fisher-Sandler, LLC. You have the opportunity to explain your current situation to us and discuss what you hope to gain by filing for bankruptcy. In return, we will explain how the bankruptcy process works in Virginia and propose comprehensive, personalized solutions to solve your financial troubles.
We will fully explain each possible legal option available to you, including the advantages and drawbacks that may occur with each proposed course of action. At the end of the consultation, you should have a firm understanding of all of your options and be confident in deciding which course of action is best for your needs.
Whether you decide to file for Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Chapter 11 Bankruptcy, pursue negotiations with your creditors or do nothing and weather the storm, you will never be charged for the initial consultation and everything you discussed with us will remain confidential.
Step 2: Credit Counseling
Current bankruptcy law requires debtors to complete two credit counseling sessions, one before filing for bankruptcy and another session after submitting the petition for bankruptcy. The credit counseling sessions are conducted by nonprofit credit counseling agencies that have been approved by the U.S. bankruptcy trustee. Virginia Law Advisers will provide you with a list of approved counselors in your area for each counseling session. The credit counseling should last for about an hour and can be done either in person, over the phone or online. A bankruptcy attorney at our firm will guide you through the credit counseling process and be available to answer all your questions.
Step 3: Filing the Bankruptcy Petition
After we have completed all the necessary documents, petitions, and schedules we file them with the bankruptcy court. Our Alexandria bankruptcy attorneys will expedite the process by electronically filing the documents with the bankruptcy court. Your bankruptcy officially begins as soon as the petition is electronically filed and you are assigned a case number by the court. At this point, the court will implement an automatic stay. The automatic stay requires all collection actions against you to stop immediately. Creditors and collection agencies will not be able to contact you, garnish your wages, or repossess your property while the automatic stay is in effect. The automatic stay will even put a stop to a scheduled foreclosure sale of your home. In most cases, the automatic stay will remain in effect until your bankruptcy case is discharged.
Step 4: Meeting With Creditors
Within 10 days of filing for bankruptcy, you should receive a notice setting the date for the meeting of creditors. It is called meeting of creditors; however, in most cases, the creditors will not attend and the trustee will be the only party asking questions. At the meeting, you will answer questions under oath regarding your income, expenses, assets, and debts. It is usually a very short meeting, lasting only about 5 minutes. The bankruptcy trustee will be in charge of the meeting, and the bankruptcy judge assigned to your case will not be permitted to attend. You do have the right to have an attorney at your side during the meeting and you should take full advantage of this right to ensure you are not asked any improper questions.
Step 5: The Discharge of Debt
The discharge of debt releases the debtor from all personal liability to the debt. The discharge is a permanent court order prohibiting creditors from taking any collection action on debts that have been discharged in the bankruptcy. For those filing under Chapter 7 bankruptcy, the discharge is usually granted 60 days after the meeting of creditors has taken place. For those filing under Chapter 13, the discharge is typically granted after all payments under the Chapter 13 plan have been submitted to the trustee.
Step 6: Emerging From Bankruptcy
We know that the Virginia bankruptcy process can be very intimidating. Fortunately, you do not have to go through these steps alone. Our team of skilled and experienced Alexandria bankruptcy attorneys will be by your side every step of the way. Fisher-Sandler, LLC is dedicated to providing effective representation, individual attention, and affordable fees to our bankruptcy clients. All of our initial consultations are free and convenient payment plans are always available. Fisher-Sandler is a customer-service oriented firm with a strong reputation for providing personalized attention and dedicated legal counsel. Regardless if you need help with Chapter 13, Chapter 7, or other debt relief, our professional legal team will provide you with competent legal advice you can trust.
If you feel your debt may be taking over your life, then speak with a highly trained and experienced Alexandria bankruptcy attorney at Fisher-Sandler, LLC today. We service clients throughout the entire Fairfax County area. At Fisher-Sandler Law our firm’s number one goal is to help residents get and stay out of debt. Let us help you get through your hardest times.
Alexandria Virginia – About
On the Potomac River within eyesight of Washington, D.C., Alexandria, VA is nationally recognized for its rich history and beautifully preserved 18th- and 19th-century architecture. Named a Top 3 Best Small City in the U.S. 2019 by the Condé Nast Traveler Readers’ Choice Awards, the #1 Best Value U.S. Travel Destination 2018 by Money magazine, and one of the South’s Prettiest Cities 2018 by Southern Living, Alexandria hums with a cosmopolitan feel and a walkable lifestyle—a welcoming weekend escape next to our nation’s capital. A nationally designated historic district founded in 1749, Old Town Alexandria is home to more than 200 independent restaurants and boutiques alongside intimate historic museums and new happenings at the waterfront, making it the perfect home base for your D.C. vacation and an unforgettable getaway of its own.
Alexandria is a city in Virginia with a population of 154,710. Alexandria is in Alexandria City County and is one of the best places to live in Virginia. Living in Alexandria offers residents an urban feel and most residents rent their homes. In Alexandria, there are a lot of restaurants, coffee shops, and parks.
Other Cities Served in Fairfax County:
- Dunn Loring
- Fairfax Station
- Falls Church
- Fort Belvoir
- Great Falls
- Mason Neck
- Mount Vernon
- Fairfax County
Zip Codes Served: