Fairfax Bankruptcy Attorney
Get a Bankruptcy Attorney Near Me
Fisher-Sandler, LLC has well over 40 years of bankruptcy filing experience in the Fairfax County, Northern Virginia area. Nathan Fisher and Michael Sandler have filed thousands of successful bankruptcy cases since 1999. We are Fairfax Bankruptcy Attorneys specialize in Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, and Chapter 11 Bankruptcy.
Are you facing Home Foreclosure, Wage Garnishment, IRS Tax Levy, Bank Levy, Creditor Lawsuits, constant creditor phone calls? If so, we can help you today!
We can file an Emergency Bankruptcy filing the same day to stop your home from being foreclosed, wages garnished, bank account frozen, etc. BUT you must take action now!
At Fisher-Sandler we pride ourselves in helping each and every client. Whether that is through the filing of chapter 7, chapter 13 or chapter 11 bankruptcy or after going through your financial situation we both come to the conclusion that bankruptcy might not be your best option. Either way, when you set up your FREE consultation with either Nathan Fisher or Michael Sandler you will know exactly where you stand at the end of our time together.
Stop living in fear and get the fresh start you deserve today!
Call Fisher-Sandler at (703) 691-1642 today
Consultations are always FREE!
We are available 24/7 either online or by phone.
Fairfax 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
Fairfax Bankruptcy Lawyer – Call (703) 691-1642
Fairfax Chapter 7 Bankruptcy Attorney
If you are wrestling with overwhelming debt in the Fairfax area – and the debt is winning – we can help. One option is filing a Chapter 7 bankruptcy, the most frequent kind of personal bankruptcy. A Chapter 7 bankruptcy discharges credit card debt, medical debts, auto loans, mortgage debt, and sometimes more. Since Chapter 7 bankruptcy is designed for average-income and low-income persons, you must pass a means test to qualify. The test compares your income against the median household income in Virginia. Almost anyone whose income is below the median will be eligible for Chapter 7 bankruptcy, but if your income is higher, you may still qualify under certain conditions. Bankruptcy isn’t for everyone who is struggling with debt, but for some, a Chapter 7 bankruptcy is the only realistic option. When you consult an experienced Fairfax Chapter 7 bankruptcy lawyer at Fisher-Sandler, we can evaluate your financial circumstances and offer you practical advice regarding the means test, bankruptcy, and your other legal options.
Fairfax Chapter 13 Bankruptcy Attorney
A Chapter 13 bankruptcy is a legal tool that allows debtors to create and follow a realistic debt payment plan. When you file for bankruptcy under either Chapter 13 or under Chapter 7, an order for relief – an “automatic stay” – goes into effect. The automatic stay prevents creditors from harassing you about mortgage debt, credit card debt, auto loan debt, and medical bills during the period of the bankruptcy. A Chapter 13 bankruptcy usually allows those with a regular income to pay their debts over a period of three-to-five years, and it consolidates those debts into one monthly payment. It’s the legal way to avoid foreclosure or repossession and to begin managing out-of-control debt effectively. A number of factors determine if you are eligible to file a Chapter 13 bankruptcy. In the Fairfax Virginia area, if you believe that a Chapter 13 bankruptcy might be best for you, speak right away with an experienced Fairfax Chapter 13 bankruptcy lawyer at Fisher-Sandler Law Firm.
Contact Our Experienced Fairfax Bankruptcy Lawyers Today
The larger law firms handle a huge volume of cases and often cannot give a particular case the special attention it needs. In those firms, the “smaller” cases are often passed on to junior associates who may not be adequately experienced or sufficiently qualified. The experienced Fairfax bankruptcy attorneys at Fisher-Sandler, LLC handle your case personally; you aren’t handed over to an assistant, and you never become just another case number. Fisher-Sandler maintains high professional standards; provides affordable, quality bankruptcy legal services, and works hard to bring your case or legal concern to its best possible resolution. Contact Fisher-Sandler today and schedule a FREE consultation by completing the form on this website’s contact page or by calling 703-691-1642.
What Are the Benefits of Filing for Bankruptcy?
If you are struggling with unmanageable debt, consider asking a Fairfax bankruptcy attorney about filing for Chapter 7 or Chapter 13 bankruptcy. Although no one should treat bankruptcy like a one-size-fits-all solution, it can be highly beneficial for those in difficult situations. Deciding what is your best option and plan of attack is something a qualified Fairfax bankruptcy lawyer at Fisher-Sandler can help you decide. If you are considering filing bankruptcy, ask your Fairfax bankruptcy attorney about the following benefits:
- The automatic stay will prevent further debt collection efforts
- Discharging most, if not all, of your unsecured debts
- Preventing the loss of your home to foreclosure
- Putting a stop to auto repossession and wage garnishment
- Moving forward with a clean slate and a fresh start
What Is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy is often called “liquidation” bankruptcy. People usually choose this chapter when they do not have enough income to repay their debts. Most debts in Chapter 7 are eliminated and completely discharged. However, you may have to sell some property in order to repay creditors. You must qualify for Chapter 7 via a Means Test that will determine if your income meets guidelines to file Chapter 7. A bankruptcy attorney can walk you through the Chapter 7 process and help you take the means test.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy, often called “reorganization” bankruptcy, may be used to manage debt over a three to five year payment period. If you have enough income to repay most of your debts but need structure in which to do that, Chapter 13 may be an option for you. Your debts may not exceed certain limits; however, most people who do not qualify for Chapter 7 can utilize the Chapter 13 bankruptcy process.
The Bankruptcy Process
The process of filing bankruptcy can be complex. You must submit specific forms and provide a plethora of information to the bankruptcy court. There are court hearings and legal procedures that you must follow. A skilled Fairfax bankruptcy lawyer can guide you through the process and help you understand your legal options.
Steps in the bankruptcy process include the following:
Step 1: Complete a credit counseling course.
Within 180 days prior to filing for bankruptcy, you must complete a credit counseling course. The U.S. Trustee’s office must approve the course, and it can cost between $25 and $35 for the course. If you cannot afford a credit counseling course, you may qualify for discounts or a free course.
Step 2: File your bankruptcy petition with the federal court.
You must file a petition for bankruptcy along with a filing fee with the federal bankruptcy court in your jurisdiction. You must also submit information about your income, debts, and any assets you own. The bankruptcy court will quickly issue an automatic stay order, which will pause all creditor collection efforts. If you are dealing with a foreclosure or repossession, these will stop. Calls, emails, and other contact from creditors will also be routed to your bankruptcy attorney. An automatic stay will not be put into place or will be limited if you have already filed for bankruptcy once or more within the last 12 months.
Step 3: Attend a 341 Meeting of Creditors.
Within 60 days of when you file your bankruptcy petition, you will attend a hearing called the “meeting of the creditors.” This hearing will not take place in a court, but will likely be in a meeting room. Your bankruptcy trustee, attorney, and creditors may appear at the hearing. However, it is rare for creditors to actually attend the meeting of the creditors. Typically, you answer questions from the trustee and review the information that you submitted with your bankruptcy petition.
Step 4: Take a second debt counseling course.
After your meeting of the creditors, you will have to take a second debt counseling course. This will help you understand your current budget and how to manage your debts going forward.
Step 5: The court will confirm your eligibility to file bankruptcy.
The bankruptcy court will review your information along with any challenges presented at the meeting of creditors. If you are filing Chapter 7, the bankruptcy court will ensure you pass the Means Test. If you are filing Chapter 13, the bankruptcy court will review the amount of your secured and unsecured debts and determine if you qualify.
Step 6: The court will manage your debts
If you are eligible for bankruptcy, the court will handle your debts according to the chapter of bankruptcy that you are requesting. If you are filing Chapter 7, the court may require you to liquidate some of your property to pay your creditors. When filing Chapter 13, you may have to submit a proposed payment plan. In the end, the court will require you to pay the necessary debts and receive a discharge of eligible debts.
What Types of Debt Can Be Discharged?
You can’t discharge all debts through bankruptcy. There are certain types of debt that are “dischargeable” and others that are “nondischargeable.” A knowledgeable bankruptcy lawyer can review your debt and help you understand which types of debt you are dealing with.
You can completely wipe out debts that are dischargeable through bankruptcy. You do not have to repay them at all; moreover, the creditors cannot harass you to collect them. Dischargeable debts include medical bills, credit card debt, personal loans, and utility bills.
Nondischargeable debt cannot be done away with through bankruptcy; however, you may be able to manage these debts through your Chapter 13 repayment plan. Examples of nondischargeable debt include some tax debt, alimony, child support, and student loans.
Alternatives to Bankruptcy
If you are unsure of what to do about your debt, a bankruptcy attorney can inform you of your options. While bankruptcy may not be the right choice for you, a Fairfax bankruptcy lawyer can guide you through your options, which may include debt consolidation, negotiation to decrease debt amounts, restructuring of loans, and more.
Start Your Relief Process Today by Contacting a Fairfax Bankruptcy Attorney
If you feel your debt may be taking over your life, then speak with a highly trained and experienced Fairfax 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.
3977 Chain Bridge Rd #2
Fairfax, VA 22030
RMWV+PG Fairfax, Virginia
Fairfax Virginia – About
Fairfax encompasses a large central area of Fairfax County that includes the Historic City of Fairfax, an independent city that gets its name from Thomas Fairfax, 6th Lord Fairfax of Cameron, who had five million acres of land located in Northern Virginia. There is so much fascinating history in the City of Fairfax and the surrounding Fairfax area of the County that you can bet your family will enjoy a vacation here. Immerse your children in activities that stimulate their imagination while enjoying a favorite place to visit, shop, and dine. Old Town Fairfax’s walkable downtown and proximity to George Mason University makes it easy to fully immerse yourself in the history of the city.
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: