Fairfax Station Bankruptcy Attorney
Get a Bankruptcy Attorney Near Me
Are you facing the prospect of filing for bankruptcy in Fairfax Station? Have you recently had your wages garnishment, foreclosure notices, judgments, creditor lawsuits, etc. sent to your home? If so bankruptcy maybe your best option.
Fortunately, you don’t have to fight it alone. A Fairfax Station bankruptcy attorney can guide you through the complicated bankruptcy code and get your bankruptcy petition filed successfully.
At Fisher-Sandler, LLC we have filed thousands of successful bankruptcy cases in Northern Virginia since 1999. With a combined 40 plus years of experience with bankruptcy law. Nathan Fisher and Michael Sandler have what it takes to get you through the maze of the bankruptcy code and have your petition accepted by the Bankruptcy Court and Trustee.
Fairfax Station Bankruptcy Services
– Foreclosure Defense
– Student Loan Modification
– Property Exemptions
– Tax Forgiveness
– Auto Repossessions
– Stop Creditor Harassment
Bankruptcy Process in Fairfax Station
What to Expect from the Bankruptcy Process
The steps to obtain bankruptcy will depend on the circumstances of your case and whether you file for Chapter 7 bankruptcy or Chapter 13 bankruptcy. To learn about the process you can expect from each type of bankruptcy, keep reading.
Fairfax Station Chapter 7 Bankruptcy Attorney
Chapter 7 Bankruptcy Process
Step 1 – Once you’ve spoken with a Fairfax Station bankruptcy lawyer and determined that filing for Chapter 7 bankruptcy is right for you, you will need to provide your attorney with a variety of documents that show your financial situation. These documents include pay stubs, tax returns, bank statements, mortgage, and car payment information, and statements from creditors.
Step 2 – Then, you’ll need to complete an online credit counseling course that your attorney can help you gain access to.
Step 3 – Next, a bankruptcy petition for filing will be prepared by your lawyer. The purpose of this petition is to explain your financial situation and illustrate why you have chosen to file for Chapter 7 bankruptcy. It will contain details on your income, personal property, and creditors and be electronically filed with the federal bankruptcy court in Virginia.
Step 4 – After your case has been filed, your creditors will receive a notice of an automatic stay that will inform them that you are protected by bankruptcy laws. When this occurs, creditors will no longer have the right to contact you.
Step 5 – About 30 days after your case has been filed, a Section 341 Meeting of Creditors will be held and only last 10-15 minutes. You will attend this meeting with your attorney and answer a number of questions that are asked by a bankruptcy trustee and creditors. The trustee may request additional documents from you that you will be expected to provide in a timely fashion.
Step 6 – Approximately 30 days after the Section 341 Meeting of Creditors, your trustee and creditors may object to property exemptions or whether any or all of your debts shouldn’t be dismissed.
Step 7 – Then, you will be ordered to complete a financial management course which is similar to the online credit counseling course you took when you began filing for Chapter 7 bankruptcy.
Step 8 – Within three to four months from the date you filed for bankruptcy, you will receive a discharge that will free you of any dischargeable debts like credit cards, medical bills, utility bills, and personal loans you may owe.
Fairfax Station Chapter 13 Bankruptcy Attorney
Chapter 13 Bankruptcy Process
Step 1 – After you’ve consulted your Fairfax Station bankruptcy attorney and came to the conclusion that Chapter 13 bankruptcy is a smart move for you, you’ll need to gather pay stubs, tax returns, creditor statements, bank statements, and a number of other documents that demonstrate how you’re doing financially.
Step 2 – Next, you’ll be required to complete an online course on credit counseling. An attorney can assist you in getting this done right away.
Step 3 – Then, your Fairfax Station bankruptcy lawyer will take care of preparing a bankruptcy petition to show why you are filing for Chapter 13 bankruptcy. Additionally, they will design a Chapter 13 plan which will outline the specifics of what will happen in your case over the next to three to five years. The plan will consist of information regarding who will get paid, how much they will get paid, and what monthly payment you will be responsible for.
Step 4 – Once your chapter 13 bankruptcy case is filed electronically with the federal court in your state, a notice of automatic stay will be sent to your creditors so that they understand you are covered by bankruptcy laws and they must refrain from contacting you.
Step 5 – Then, you’ll be ordered to begin making payments to a Chapter 13 trustee who will administer your case and make payments on your behalf. Oftentimes, these payments are made through a wage deduction that takes place every thirty days.
Step 6 – About 30 days after your Fairfax Station Chapter 13 bankruptcy case has been filed, a brief Section 341 Meeting of Creditors will take place. You will attend this meeting with your attorney and provide answers to questions from a bankruptcy trustee and creditors. Additional documents that you must quickly provide may be requested by the trustee.
Step 7 – For approximately 30 days following the Section 341 Meeting of Creditors, your trustee and creditors will have the right to object to any property exemptions you’ve claimed or whether any of or all of your debts shouldn’t be forgiven.
Step 8 – Next, a Confirmation Hearing which only your Fairfax Station bankruptcy attorney will be required to attend will occur. At the time of this hearing, all of your payments must be up to date, the trustee must have all of your documents, and any objections must be resolved. As soon as your case is confirmed, it is final and can only be modified by your trustee if your circumstances change.
Step 9 – You will continue to make payments for three to five years and receive access to a site that can allow you to see how many payments you have left and how much you owe each creditor. In addition, your trustee will send you annual status reports in the mail. Keep in mind that your Fairfax Station bankruptcy lawyer will be there for you throughout the duration of your Chapter 13 bankruptcy case so you can contact them any time you have any questions.
Step 10 – Lastly, you’ll need to complete a financial management course before you receive a discharge within three to five years from the date you filed for bankruptcy. This discharge eliminates any dischargeable debts you may owe.
Contact Fisher-Sandler, LLC Today
Regardless of whether you file for Chapter 7 or Chapter 13 bankruptcy, the process can get very complex and confusing. That’s why you need an experienced Fairfax Station bankruptcy lawyer from The Law Offices of Fisher-Sandler by your side. After determining that bankruptcy can improve your financial wellbeing and peace of mind, we’ll guide you through every step of the process. Call our firm at (703) 691-1642, or contact us online for a free case consultation.
Fairfax Station Virginia – About
Fairfax Station, Virginia, is just 23 miles from the nation’s capital, but you would never know based on the scenery, with many lakes, parks, and reservoirs dotting the landscape. In addition to majestic natural surroundings, the town played a small but important role in the American Civil War and even contributed to the birth of our country’s most-famous humanitarian organization, the American Red Cross.
Things To Do in Fairfax Station VA
Residents living in Fairfax Station will have ample opportunities to explore the wild and rugged scenery found around every corner. Fountainhead Regional Park and Burke Lake Park alone could keep you busy for the rest of your days. Between golfing, camping, hiking, and sightseeing, not to mention the countless aquatic activities, you’ll never need to do the same thing twice.
Fairfax Station, Virginia, also made its imprint on American history. Built-in 1858, St. Mary’s Church served as a makeshift hospital for wounded Union and Confederate soldiers who were cared for by the founder of the American Red Cross, Clara Barton. In addition, the Fairfax Station Railroad Museum is just a few miles from St. Mary’s; not only does the museum offer information about the influence of the railroad industry in the area, but it also discusses the community’s role in the Civil War and Virginia’s history.
There are several neighborhoods in the area, but Lakewood Estates is the Fairfax Station neighborhood that puts residents right in the middle of the outdoor action—it’s just a couple miles east or west from the town’s two beautiful parks. Most of Fairfax Station, VA, is residential, with a lot of green space, but there are pockets of restaurants clustered together as well. Many of the local eateries are casual and cover a wide spectrum of international cuisines and American fare.
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: