Clifton Bankruptcy Attorney
Get a Bankruptcy Lawyer Near Me
Looking for a Clifton Bankruptcy Attorney? Are you overwhelmed with debt problems that seem impossible to solve? You may be considering exploring debt-relief options, such as bankruptcy, as a way to eliminate or reduce your debt. At Fisher-Sandler, LLC, we can help you determine whether bankruptcy is the best choice for you to solve your financial problems. Our dedicated and knowledgeable legal team is committed to providing you with exceptional service and helping you find the right solution to your unique situation.
At the Law Offices of Fisher-Sandler, our bankruptcy attorneys in Clifton have represented individuals in financial distress since 1999. As a result, our skilled legal team is intimately familiar with all of the related procedures, laws, and paperwork. We can help you determine if filing for bankruptcy is the ideal solution to your problems and if so, we can effectively guide you through the bankruptcy process.
Clifton Bankruptcy Lawyers
At Fisher-Sandler, LLC, we understand that you have many bankruptcy lawyers to choose from. With the right Clifton bankruptcy attorney by your side, your case is likely to go by much faster and easier. Backed by more than 40 years of combined experience in bankruptcy law, our Clifton bankruptcy attorneys can help you with all your legal needs today.
Benefits of Bankruptcy
The main purpose of bankruptcy is to help individuals like yourself who are facing deep financial debt to get out of financial distress. While bankruptcy does have its costs, we believe that its benefits significantly outweigh its costs in a majority of cases. Although bankruptcy is not the right solution for every person, it can provide relief and a new start for many individuals and families. Bankruptcy is most appropriate for people who have $20,000 or more in debt, whereas families with less than $20,000 in debt may want to consider debt settlement.
A few of the many benefits of filing for bankruptcy include:
- Stop creditor harassment
- Stop foreclosure or repossession
- Eliminate or reduce your debt
- Start rebuilding your credit
- Stop wage garnishment
- Start building financial reserves
Why Hire Fisher-Sandler, LLC?
At The Law Offices of Fisher-Sandler, we know that crushing debt can be overwhelming, and getting back on track can be difficult. Our goal is to help you get through every step of the bankruptcy process to create a better life for yourself. Whether you file for Chapter 7 to liquidate your debt or restructure with Chapter 13, we hope that we can help lift the weight of your financial debt.
The Bankruptcy Process
At Fisher-Sandler, we are familiar with every aspect of Chapter 7 and Chapter 13 bankruptcy law. When you hire us to represent your case, we don’t just throw a booklet at you with paperwork and send you on your way. We are committed to providing you with valuable, accurate information and guiding you towards every step of the bankruptcy process. You can rely on us to be here for you when you need us to be, answering your questions and addressing your concerns.
The basic steps of the bankruptcy process are as follows:
- Retaining the services of a lawyer
- Gathering all of your documents
- Preparing your case to file
- Assistance with credit counseling
- Filing your case paperwork
- Enforcing the automatic stay
- Attending the meeting of creditors
- Preparing your discharge/repayment plan
Hire a Bankruptcy Attorney in Clifton VA
If you are overwhelmed by the debt you are in, we are here to help. With many stages involved in the process, our skilled and knowledgeable legal team is here to help you determine whether bankruptcy is right for you or not. There are a number of factors that we consider to advise our clients, such as the amount of debt you have and whether you have assets that are at risk of being lost. Typically, if you have less than $20,000 in debt, it is best to seek debt settlement rather than file for bankruptcy.
File for Chapter 7 in Clifton VA
Being in debt is one of the most difficult situations to live with, especially if you are starting to face creditor harassment due to the amount of money you owe. Whether you are in debt to credit card companies, hospitals, or the IRS, A Fisher-Sandler Law can help. Our bankruptcy lawyers in Clifton Virginia can help you to determine if you are eligible for Chapter 7 bankruptcy and explain the many advantages of filing for this type of bankruptcy.
Is Chapter 7 Bankruptcy Right for You?
Chapter 7 is known as the liquidation chapter. While bankruptcy is a viable solution for many people, it is not for everyone. There are many factors to consider if you are considering filing for bankruptcy, as well as a means test that you will need to take. A means test helps to determine whether you are eligible based on your assets and income.
Chapter 7 bankruptcy might be right for you if the following statements are true:
- You have significant medical bills you cannot repay
- You have credit card debt which is unmanageable
- You don’t have much equity in your home
- You don’t have significant valuable assets to lose
- You are unable to pay back personal loans
- You are currently unable to drive due to motor vehicle surcharges
Do I Qualify for Chapter 7?
Any person who owns property can file for Chapter 7 bankruptcy, however, in order for your debt to be discharged, you must meet several requirements:
- You must pass the “means” test.
- You have not already filed a previous bankruptcy within a certain period.
- The bankruptcy court must not believe you are cheating creditors.
- You must be a natural person.
The means test is basically a test that determines whether or not you have enough disposable income to repay some of your debts over a five-year period. This means the monthly paycheck you receive should be enough to pay a portion of your debts after subtracting specific expenses.
You cannot file for Chapter 7 if you already obtained a debt discharge within the last eight years or a Chapter 13 case within the last six years. You also cannot file if a previous Chapter 7 case of yours was dismissed within the last 180 days for these reasons:
- You violated a court order.
- The bankruptcy court decided that your case was filed fraudulently.
- You requested a dismissal
Choose the Right Clifton Lawyer for Your Chapter 7 Bankruptcy
If you want to learn more about the bankruptcy process or simply want to confirm that Chapter 7 is right for you, turn to the attorneys at Fisher-Sandler, LLC. Attorneys Nathan Fisher and Michael Sandler have over 40 plus years of experience and are ready to answer any questions you might have. Do not hesitate to reach out today!
Clifton Chapter 13 Bankruptcy Lawyer
If you are feeling weighed down by debt and aren’t sure what your options may be, Fisher-Sandler, LLC can help. Even if you don’t qualify for Chapter 7 bankruptcy due to a steady income, you may qualify for Chapter 13 bankruptcy. Chapter 13 is also known as the reorganization chapter because it allows you to propose a reorganization plan. In this chapter of bankruptcy, you can restructure the debt you owe, making your debt more manageable and avoid creditor actions. However, if you have less than $20,000 of debt, you may want to consider debt settlement instead.
Who Qualifies for Chapter 13 Bankruptcy?
The people who qualify for Chapter 13 bankruptcy are typically those who do not qualify for Chapter 7, due to having a steady income or not passing the means test. However, if you are being harassed by creditors, facing foreclosure or repossession, or have other similar concerns, filing for Chapter 13 may be the solution for you. Once you file, an automatic stay is put in place which prevents all types of creditor actions. Our experienced Clifton Chapter 13 bankruptcy lawyer can help you figure out whether this course of action fits your needs.
You may be a good candidate for Chapter 13 bankruptcy if:
- You want to protect your home from foreclosure
- You are being harassed by creditors
- Your automobile is at risk of being repossessed
- You have a job or steady income
- You are not eligible for Chapter 7
- You want to eliminate certain eligible taxes
- You have valuable assets that you want to protect
Emergency Bankruptcy Attorney in Clifton
If you would like to seek legal advice and find solutions for your unique financial problems, Fisher-Sandler, LLC is here to assist you. Schedule a free consultation by calling us at (703) 691-1642.
Clifton Virginia – About
Here are some facts about Clifton, Virginia to help you better enjoy your Fairfax County vacation. You’ll think you’re hundreds of miles away from the Nation’s Capital as you take in quaint shops and local dining establishments while relishing the small-town vibe. Clifton is also home to Fairfax County’s first winery, Paradise Springs. Need a place to stay? Look in nearby Lorton, where you’ll find the Holiday Inn Express Lorton. Find upcoming events in Clifton, as the charms of the city and its people await you.
The charming small town of Clifton Virginia is a perfect day trip from Washington DC to enjoy tasty restaurants, local shops, a historic downtown, scenic hiking, and the closest winery to DC. Drive less than an hour from DC to Clifton and you step back in time to small-town America and one of our favorite hidden gems in Northern Virginia.
It’s easy to spend an hour or a whole day in Clifton. Enjoy an adult getaway to sip Virginia wine, browse the downtown shops, enjoy casual to fine dining, and soak up a little history. Families will find plenty of diversions too, from a tasty ice cream store to a scenic stream-side hike.
Begin your visit in historic downtown Clifton VA. There is plenty of free parking, and Clifton’s walkable Old Town includes restaurants, shops, parks, and many restored buildings from the early 1900s. Enjoy a meal or two at one of several excellent Clifton restaurants When you finish exploring the downtown, take a hike on the Bull-Run Occoquan Trail and visit Fairfax County’s first winery.
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: