Fort Belvoir Bankruptcy Attorney
Get a Bankruptcy Lawyer Near Me
Are you facing the prospect of filing for bankruptcy in Fort Belvoir? If you are currently facing wage garnishment, foreclosure, eviction, outstanding medical bills, credit card bills, IRS tax levy, frozen bank account/accounts, utility bill cut-off notices, etc. Filing for bankruptcy protection maybe your best option.
Nathan Fisher and Michael Sandler of Fisher-Sandler, LLC are experienced Fort Belvoir bankruptcy attorneys and have helped thousands of Northern Virginia residents file for bankruptcy protection under the US bankruptcy code since 1999.
We understand what you are currently facing. The constant creditor calls, threatening creditor letters in the mail, foreclosure notices, wage garnishment, frozen bank accounts, etc. It is very easy to get overwhelmed during these difficult times and just do nothing. But we want you to know there is a way out! Call us today at (703) 691-1642 and schedule your FREE consultation. Let us help you see if bankruptcy is your best option.
Bankruptcy Process in Fort Belvoir
– Foreclosure Defense
– Student Loan Modification
– Property Exemptions
– Tax Forgiveness
– Auto Repossessions
– Stop Creditor Harassment
Emergency Bankruptcy Attorney Fort Belvoir
Emergency bankruptcy filings are sometimes necessary. Bankruptcy is a big decision that should be carefully considered. However, sometimes it is the best move for your financial situation, and sometimes you need bankruptcy protection immediately! Circumstances that call for an emergency bankruptcy filing may arise, and our Fort Belvoir bankruptcy attorneys can help. If you are facing a foreclosure or wage garnishment, bankruptcy may provide you with the protection from creditors as the Automatic Stay comes into play immediately and all collection action and lawsuits must cease.
Our Emergency Bankruptcy Lawyers in Virginia can assist you if an emergency situation should arise. Many times emergency situations happen with little or no warning. When these unfortunate events happen in a person’s life, there is peace of mind knowing that our team of debt relief experts at Fisher-Sandler, LLC are there to assist you every step of the way.
Ft. Belvoir Chapter 7 Bankruptcy Attorney
Filing Chapter 7 Bankruptcy in Fort Belvoir VA
After meeting with you in person and reviewing certain documents, our bankruptcy law firm can file a Chapter 7 bankruptcy on your behalf.
The Chapter 7 Bankruptcy Process
We can get the process started quickly by filing electronically. In most cases, you are protected by the automatic stay the moment you file, and the threat of lawsuits, wage garnishments, and utility shutoffs stops immediately. Creditors can no longer call you at home or at work and you can refer all creditors to us. The Law Offices of Fisher-Sandler, LLC will do all the work necessary to get you started on the road to becoming debt-free.
Is Chapter 7 Right For You?
Filing Chapter 7 bankruptcy is usually a good option for people who have unmanageable levels of debt and no significant assets. It can be used to eliminate credit card debt, medical bills, and many other debts entirely. In Virginia, Chapter 7 filers get an opportunity to move forward again without the crushing burden of their debts.
Don’t believe the bankruptcy myths that you may have heard. The truth about bankruptcy is you can usually keep your home, your car or truck, and your personal property. After a while, you can begin to rebuild your credit rating. With the help of Fisher-Sandler, LLC, you may be able to eliminate most debts and get your finances back on track.
Obtain A Fresh Financial Start
One of the primary purposes of bankruptcy is to discharge certain debts to give an honest individual debtor a “fresh start.” Although an individual Chapter 7 case usually results in a discharge of debts, the right to a discharge is not absolute, and some types of debts are not discharged. Moreover, a bankruptcy discharge does not extinguish a lien on property.
Chapter 7 Discharge in Virginia
A discharge releases you from personal liability for most debts and prevents the creditors from taking any collection actions against you. It may even be possible to discharge student loans and taxes. Past due child support and alimony can better be dealt with in Chapter 13.
A debtor who has received a discharge may voluntarily repay any discharged debt. A debtor may repay a discharged debt even though it can no longer be legally enforced. Sometimes a debtor agrees to repay a debt because it is owed to a family member or because it represents an obligation to an individual for whom the debtor’s reputation is important, such as a family doctor.
A discharge may be denied in very limited situations such as failing to produce records, unsatisfactory explanation of the loss of assets, perjury, concealing property of the estate, or failure to complete a financial management course through an approved agency. These are extremely rare and we will guide you through the process so you do not lose your right to a discharge.
Keeping Secured Property – Reaffirmation Agreements, Redemption, and Lien Avoidance
Secured creditors retain their lien on your property (such as a home or car). You may want to “reaffirm” these debts so you can keep this property. A reaffirmation is an agreement between you and the creditor where you agree to pay a negotiated amount and the creditor agrees that it will not repossess or take back the property so long as the agreed amount is paid. Such agreements must be in writing, entered into before the discharge, filed with the court, and meet other requirements to protect you. We will negotiate on your behalf to obtain the best agreement possible.
Redemption is another option to allow you to keep secured property such as your car or truck. You pay an amount equal to the value of the property (even if is less than the balance owed) and the creditor must release the lien. We will advise you if this option is available for each creditor, and we can frequently help you find financing to pay the redemption amount. Redemption is worth considering when your car or truck is worth a lot less than the balance owed.
The Bankruptcy Code allows you to keep certain property, such as household goods, pledged as security by “avoiding” a lien that was not used to purchase the property and that impairs an exemption. We aggressively pursue these motions to give you the most debt relief while keeping your property.
Ft. Belvoir Chapter 13 Bankruptcy Attorney
Many people find themselves overwhelmed by debts, and behind on their house note and car payment through no fault of their own. Luckily for them, the bankruptcy laws provide an answer. Debt relief, debt consolidation, and asset protection under Chapter 13 bankruptcy can help qualified debtors get their finances back on track.
Filing Chapter 13 Bankruptcy in Ft. Belvoir
If you find yourself struggling to pay your bills and manage your debt, you may be afforded a second chance through Chapter 13 bankruptcy. An experienced Fort Belvoir Chapter 13 attorney at Fisher-Sandler, LLC can help you formulate an affordable plan that protects your property.
WHEN IS CHAPTER 13 BANKRUPTCY RIGHT FOR ME?
A Chapter 13 bankruptcy payment plan is commonly known as a “wage earner’s plan.” Chapter 13 bankruptcy is most appropriate if you have a steady job or another regular source of income and can devote a portion of your disposable income to a monthly payment plan. Chapter 13 bankruptcy is also appropriate if you have large amounts of debt which is secured by collateral, such as home loans, car loans, or appliances and furnishings that you bought on credit.
Chapter 13 bankruptcy allows you to keep your assets while also becoming debt-free over time. In addition to your own financial responsibility, you may want to consider whether any of these loans were co-signed by friends or family members. Chapter 13 bankruptcy can protect them from having their property attacked to satisfy your debt.
Fort Belvoir Virginia – About
Fort Belvoir is a United States Army installation and a census-designated place in Fairfax County, Virginia, United States. It was developed on the site of the former Belvoir plantation, seat of the prominent Fairfax family for whom Fairfax County was named.
Fort Belvoir is home to the United States INSCOM and ARCYBER and elements of ten other Army major commands; nineteen different agencies and direct reporting units of the Department of Army; eight elements of the U.S. Army Reserve and the Army National Guard; and twenty-six Department of Defense agencies. Also located here are the 249th Engineer Battalion (Prime Power), the U.S. Army Prime Power School, a Marine Corps detachment, a U.S. Air Force activity, U.S. Army Audit Agency, and an agency from the Department of the Treasury.
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: