Dumbarton Bankruptcy Attorney
Get a Bankruptcy Lawyer Near Me
Are you looking to file for bankruptcy protection in Dumbarton? We know how confusing and overwhelming it can be when you are facing financial distress. With constant creditor harassment which can affect your home life and work. Sometimes it seems easier to just ignore the constant creditor calls and past-due notices. But you and I both know this will not get you out of the financial burden you are under. What you need is the experience of a Dumbarton bankruptcy attorney.
At Fisher-Sandler, LLC – Richmond, VA we have helped thousands of Dumbarton and Henrico County residents and small business owners successfully file for bankruptcy protection under the US bankruptcy code since 1999. Michael Sandler, Sharon Choi Stuart, and Nathan Fisher have a combined 60+ years of bankruptcy law experience. We specialize in Chapter 7 bankruptcy, Chapter 13 bankruptcy and Chapter 11 bankruptcy (for individuals). Our Dumbarton bankruptcy attorneys are available 24/7 via our bankruptcy hotline. You can schedule your FREE consultation online 24/7 via our website scheduler.
If you are currently facing home foreclosure, wage garnishment, car repossession, eviction, utility bill cut-off notices, frozen bank account/accounts, IRS tax levy, creditor lawsuits, credit card debt, medical bill debt, creditor judgments, etc. Filing for bankruptcy protection under the US bankruptcy code might be your best option. Call The Law Offices of Fisher-Sandler today at (804) 664-3643 to schedule your FREE consultation. Stop your creditors in their tracks and get your life back on track. Call today and get the fresh start you deserve.
Bankruptcy Services in Dumbarton
At Fisher-Sandler, LLC we offer debt relief for individuals, families, and businesses in Dumbarton: Bankruptcy protections are available to provide lasting debt relief. We handle Chapter 7, Chapter 13, and Chapter 11 bankruptcy representation. Our representation is personalized, family-focused, and tailored to the unique aspects of each client’s situation and finances. We recognize the impact that our counsel can have on your life, your family, and your future. We are eager to help you navigate the road ahead for a brighter tomorrow.
Our Dumbarton Bankruptcy Services We Offer:
– Foreclosure Defense
– Student Loan Modification
– Property Exemptions
– Tax Forgiveness
– Auto Repossessions
– Stop Creditor Harassment
Dumbarton Chapter 7 Bankruptcy Attorney
When you have to choose between paying off your debt and feeding your family, Chapter 7 bankruptcy may be the solution. At The Law Offices of Fisher-Sandler in Richmond, we won’t just give you the forms to file for bankruptcy. Our experienced Dumbarton Chapter 7 bankruptcy lawyers walk you through the process and guide you every step of the way.
Think about the freedom you would have if you did not constantly worry about paying back credit cards, medical bills or other personal debts. Chapter 7 bankruptcy (sometimes called “liquidation bankruptcy”) is designed to give you a fresh start. If you qualify for Chapter 7 bankruptcy, many of your debts can be wiped away. You will most likely even be able to keep your home and car.
As soon as you file for bankruptcy, the court will order an “automatic stay.” All creditors have to stop harassing you to pay back debt until your bankruptcy case is completed.
Filing for Chapter 7 gives you a fresh start by eliminating debt while allowing you to keep most of your property. In fact, most clients keep all of their property and lose nothing but their debt! Because bankruptcy law is not meant to punish you, the law allows for property exemptions to keep your car, house, jewelry, clothing, and everything else.
Unsecured debts like credit card balances, personal loans, money judgments, and certain taxes can be wiped out in Chapter 7. Some debts are not wiped out in a bankruptcy case including certain taxes, most student loans, alimony, child and other court-ordered support payments, and criminal claims.
Bankruptcy cases typically last about four months, from the date the case is filed until discharge. During that period, clients will need to attend a 341a meeting of creditors and they will be accompanied by an experienced Chapter 7 bankruptcy attorney in Dumbarton from the Law Offices Fisher-Sandler, LLC. We have attended thousands of 341a meetings and are well versed in the entire process.
Dumbarton Chapter 13 Bankruptcy Attorney
Chapter 13 bankruptcy is a different type of bankruptcy that is designed to assist those individuals who have assets they do not want to be liquidated and want the opportunity to pay off their debts over time. It is often referred to as the debt reorganization bankruptcy because it allows you three to five years to pay off your debts, often with no interest. Chapter 13 requires an individual to have regular income sufficient to pay their current expenses, and a Plan payment designed to pay back anywhere from zero to 100% of their debts.
Every situation is unique, and a bankruptcy attorney from our firm can analyze your unique situation to see if Chapter 13 is right for you. It also allows people whose incomes are too high to qualify for Chapter 7 to still get the protection and debt relief bankruptcy provides. Chapter 13 is also a great tool to stop a foreclosure or deal with back taxes.
Chapter 13 bankruptcy allows lien striping of junior liens in the debtor’s principal residence when the value of the property is lower than the outstanding balance of the first lien. It also offers the opportunity to use cramdown debt management tactics, reducing the principal balance of a debt to the value of your property.
In a typical lien striping action, the junior lien will be treated as an unsecured debt and paid in part through the plan. Similarly, car cramdown splits the pay off into both secure and non-secure payments leaving the unsecured portion to be paid in part too.
Dumbarton Chapter 11 Bankruptcy Attorney
Chapter 11 bankruptcy was originally the chapter of “corporate reorganization,” but later became available to individuals as well. In light of the historical purpose and due to the piecemeal amendments to Chapter 11 over time, Chapter 11 is not necessarily well-tailored to the needs of an individual debtor. Therefore, handling an individual Chapter 11 is sometimes like “fitting a square peg in a round hole,” thus the need for Chapter 11 bankruptcy attorneys.
A Chapter 11 case puts the individual in charge of his or her own bankruptcy estate as the “debtor in possession.” In that capacity, the individual can propose a plan of reorganization to the court based on available assets and cash flow. Moreover, if an individual’s debts exceed the Chapter 13 debt limits or if the individual does not have a regular income, a Chapter 11 case may be the best or only option. This is also true if the person plans to fund a reorganization by the sale of assets or anticipated future income.
Dumbarton Emergency Bankruptcy Attorney
An emergency bankruptcy filing in Dumbarton Virginia allows a debtor to immediately file for bankruptcy rather than going through the traditional bankruptcy process. Since a bankruptcy case puts an automatic stay that prevents most actions to recover money, filing for bankruptcy can help when a creditor acts against you and you need a quick way to bring it to a halt.
In filing for either Chapter 7 or Chapter 13 Bankruptcy, several forms have to be filed with the Bankruptcy Court. For example, proof of past 6 months of income earned and the Means Test. A list of all assets owned such as residence, vehicles, jewelry, bank accounts, etc. also has to be filed with the court listing the value of each item. The complete filling of either chapter is generally 45 to 60 pages long. Generally, it is a time-consuming process. However, there are situations where time is of the essence and you are unable to gather all of the required documentation. In such instances, you can file an emergency bankruptcy in Dumbarton Virginia which only requires that you fill out a few forms. Filing an emergency bankruptcy correctly provides you the protection that is specifically provided for under bankruptcy relief.
The majority of times when people go for Same-Day Emergency Bankruptcy Filings it is usually to initiate the automatic stay and prevent creditor collection action from taking place. The 2 most common creditor actions that people want to stop by filing a same day emergency bankruptcy are foreclosure and wage garnishment actions. For example, if someone owns a home and hasn’t paid their mortgage for 3 years, instead they’ve been trying to get modifications or work out alternative solutions but nothing panned out. All of a sudden they are faced with a foreclosure. In order to avoid such a situation, they contact an experienced Dumbarton Personal Bankruptcy Attorney who efficiently evaluates their situation and files an appropriate emergency bankruptcy petition thus helping them avoid foreclosure of their home.
Dumbarton Virginia – About
Dumbarton is a town in Virginia with a population of 8,584. Dumbarton is in Henrico County. Living in Dumbarton offers residents an urban-suburban mix feel and most residents rent their homes. In Dumbarton, there are a lot of bars, restaurants, coffee shops, and parks.
Other Cities Served in Henrico County:
- East Highland Park
- Glen Allen
- Henrico County
- Highland Springs
- Short Pump
Henrico County Zip Codes Served: