Glen Allen Bankruptcy Attorney
Get a Bankruptcy Lawyer Near Me
Thinking of filing for bankruptcy in Glen Allen? When facing financial hardships and constant creditor harassment it can become easy to get confused and overwhelmed on which path to choose. During a financial crisis, you need the assistance of an experienced Glen Allen bankruptcy attorney who can help guide you through the bankruptcy maze. With so many options online these days it can be hard to make the right choice when looking to hire a Glen Allen Bankruptcy Lawyer. Let us help you take the guesswork out “is bankruptcy the right option” and help get you back on the road to financial freedom.
At Fisher-Sandler, LLC – Richmond, VA we have over 60 years of combined bankruptcy law experience. Nathan Fisher, Sharon Choi Stuart, and Michael Sandler have helped thousands of Glen Allen and Henrico County residents and small business owners successfully file for bankruptcy protection under the United States Bankruptcy Code since 1999. Bankruptcy is all we do as we specialize in Chapter 7 bankruptcy, Chapter 13 Bankruptcy and Chapter 11 bankruptcy (for individuals). Let our expertise and experience be put to work for you. Call our Bankruptcy Law Office today at (804) 664-3643 to schedule your FREE consultation. It does not matter what time of the day or week it is, we are available 24/7 either online or by phone.
If you are currently facing any type of creditor action it is always a good idea to have a competent Glen Allen bankruptcy Lawyer on your side. So whether your facing home foreclosure, wage garnishment, eviction notice, utility bill cut-off notices, vehicle repossession, creditor lawsuits and judgments, IRS tax levy, frozen bank account/accounts, etc, a good Glen Allen bankruptcy attorney can help you file for bankruptcy protection and stop those harassing creditor phone calls and letters. Call The Law Offices of Fisher-Sandler at (804) 664-3643 today and schedule your FREE consultation. We can help stop your financial nightmare and get you the fresh start you deserve.
Bankruptcy Services in Glen Allen
Struggling with financial difficulties can be one of life’s most stressful challenges. If you find yourself facing foreclosure, repossession, lawsuits, tax problems, overwhelming credit card debt, or are finding it difficult to pay your monthly bills, it is time to seek professional guidance from our Glen Allen bankruptcy lawyers.
Bankruptcy is a complex situation and something that you really do not want to experience on your own. At The Law Offices of Fisher-Sandler, our Glen Allen bankruptcy attorneys make sure that you are protected. We will help to guide you through the process from the beginning to the end.
Our Glen Allen Bankruptcy Services Offered:
– Foreclosure Defense
– Student Loan Modification
– Property Exemptions
– Tax Forgiveness
– Auto Repossessions
– Stop Creditor Harassment
Glen Allen Chapter 7 Bankruptcy Attorney
You can qualify to file for Chapter 7 bankruptcy by passing the “means test“. The means test reviews all aspects of your income to make sure that you are below the median income of the specific state. If you are under the average income, you are probably qualified to file for Chapter 7 bankruptcy. The process begins with the action of filing a petition with the bankruptcy court. Immediately after filing you are protected by the “automatic stay“, creditors should cease all debt collection attempts against you. The process takes approximately four months to complete, though the exact amount of time may vary.
There are many benefits to filing for Chapter 7 bankruptcy for those facing immense debt. It allows you to walk away from your debt and look toward a healthy financial future. This process is fast, there are no monthly payments that have to be stressed and unsecured debts are released after the process is complete. This type of bankruptcy also ends any attempts at credit collection. You can stop harassment as soon as you file as well as halt foreclosure to help you to keep your home.
Filing Chapter 7 Bankruptcy in Glen Allen
You may keep certain secured debts such as your car or your furniture or house by reaffirming those debts. To do so, you must sign a voluntary “Reaffirmation Agreement”. If you decide that you want to keep your house or your car or your furniture, and you reaffirm the debt, you cannot bankrupt (or wipe-out) that debt again for eight years. You will still owe that debt and you must continue to pay it just as you were obligated to continue to pay it before you filed bankruptcy. In order to reaffirm the debt, you must also bring it current. In other words, if you are three or four months behind, then you must pay the back payments which are due in order to reaffirm it. You can selectively reaffirm your debts – you can state that you wish to keep the house and the furniture, but that you want the car and the jewelry to go back to the respective Creditors.
A typical Chapter 7 bankruptcy filer is a person who has large credit card debt along with other unsecured bills and a few assets. By liquidating non-exempt assets, a Chapter 7 bankruptcy can, in many instances, completely eliminate all your debts; however, certain debts cannot be discharged in a Chapter 7 bankruptcy such as alimony, child support, debts fraudulently incurred, certain taxes, student loans, and certain items you may have charged.
Glen Allen Chapter 13 Bankruptcy Attorney
Filing for bankruptcy in Glen Allen has a reputation for being the last resort for people who have absolutely nothing left. That assumption could not be further from the truth. Chapter 13 bankruptcy is actually most appropriate for individuals who have a regular source of income because they will be paying back their debts over the course of three to five years. It is preferred by people who are facing a foreclosure, to stop the foreclosure and allow the delinquent payments to be brought current. Chapter 7 does not have such a payment plan or an ability to catch up with a delinquent mortgage.
If you qualify, Chapter 13 bankruptcy will make the harassing collection calls stop and prevent you from drowning in debt. Everything you owe will be organized in a way that works with your current financial situation, and, even better…you will be able to sleep a little more soundly at night.
Making the decision to file for bankruptcy is important and should only be made with all the information about how it will affect your debt and your financial future. We offer helpful guidance in these matters and are ready to offer straightforward information that will guide you in the right direction.
Glen Allen Chapter 11 Bankruptcy Attorney
Chapter 11 bankruptcy is known best as a form of bankruptcy available to businesses. Chapter 11 is a debt reorganization bankruptcy for businesses, much like Chapter 13 allows debt reorganization for individuals. When an individual or family has a debt load so high that they do not qualify for Chapter 13 bankruptcy, Chapter 11 becomes an option. In consumer cases involving extraordinarily high debt levels, Chapter 11 bankruptcy allows reorganization of individual debt — much like Chapter 13.
The Chapter 11 bankruptcy process consists of 100 percent debt negotiations. It is a time when you and your Glen Allen bankruptcy lawyer will negotiate with creditors and the bankruptcy court to reorganize your debts in a way that is acceptable to your creditors and the bankruptcy court.
Glen Allen Emergency Bankruptcy Attorney
Dealing with your finances can get quite overwhelming. An accumulation of different issues, factors, and unfortunately debt can really create great stress on you and your financial welfare. Sometimes when dealing with these issues, people can become buried in an insurmountable amount of debt. High-interest rates and unforgiving creditors can speed up the process. This often happens all of a sudden and you may not even fully understand how it occurred in the first place. When the unfortunate surprise of a large mass of debt happens all of a sudden, it is definitely time to file for bankruptcy. If this situation calls for immediate action, some consider emergency bankruptcy filing in Glen Allen Virginia or “Bare-Bone” bankruptcy.
Emergency bankruptcy is an abbreviated way of filing for Chapter 7 or Chapter 13 that speeds up the initial protections set in place. By protections, it is meant that you should gain the standard guard from creditors who may pursue you. This includes the “automatic stay”. This shortened version of filing for bankruptcy reduces the paperwork exponentially from approximately 50 pages to two. Needless to say, the process can relatively simple if you have some knowledge of where to at least begin, and is more importantly, much quicker at securing your financial safety. Filing for emergency bankruptcy essentially excludes certain information normally required to file. This includes all of your creditor’s information, a detailed personal budget/assets, and even details regarding estimated assets pricing and evaluations.
Emergency bankruptcy petitions in Glen Allen are the last resort available to debtors who need to file bankruptcy immediately in order to prevent a foreclosure, eviction, lawsuit, or repossession. The US Bankruptcy Code allows you, in these situations, to file a very limited petition that establishes an automatic stay and prevents you from having your property seized as collateral under a secured lending agreement. When you file an emergency bankruptcy petition you are only required to present your bankruptcy petition form, your creditor matrix, statement of social security number, and certificate of credit counseling, with the understanding that you’ll turn in the remainder of the paperwork within 14 days.
Glen Allen Virginia – About
Glen Allen is a census-designated place in Henrico County, Virginia, United States. The population was 14,774 as of the 2010 census, up from 12,562 at the 2000 census. Areas outside the CDP which use a “Glen Allen” mailing address include residences in neighboring Hanover County.
Glen Allen is a town in Virginia with a population of 16,339. Glen Allen is in Henrico County and is one of the best places to live in Virginia. Living in Glen Allen offers residents a dense suburban feel and most residents own their homes. In Glen Allen, there are a lot of restaurants and parks.
The Richmond metro area has its share of suburbs, but locals appreciate Glen Allen, Virginia, for its abundance of amenities and quality education. It’s not often that a place offers urban conveniences, natural spaces, and a relaxed pace, and this unique combination must be why Glen Allen is considered one of the best places in Virginia to raise a family.
Other Cities Served in Henrico County:
- East Highland Park
- Glen Allen
- Henrico County
- Highland Springs
- Short Pump
Henrico County Zip Codes Served: