Manassas Bankruptcy Attorney – Call (703) 494-3323
Manassas Bankruptcy Attorney
Fisher-Sandler has a combined 60 years of bankruptcy filing experience in the Manassas, Northern Virginia, Fredericksburg and Richmond areas. Nathan Fisher and Michael Sandler understand what your facing when there is not enough money at the end of the month to pay your bills and the creditors are calling. That is what drives them to help each and every client and to see if filing for bankruptcy protection is your best option. Stop living in fear and get your bankruptcy questions answered today. Call (703) 494-3323 to schedule your free consultation. We are available online or by phone 24 hours 7 days a week.
- Are you being threatened and harassed by creditors?
- Are you struggling or unable to pay your bills?
- Stop Harassing Phone Calls from Creditors
- Stop Lawsuits and Garnishments
- Wipe Out Credit Cards, Medical Bills and other unsecured debts
- Stop Your Home Foreclosure Sale Date
- Stop Car Repossessions
Call (703) 494-3323 to speak with the experienced Manassas bankruptcy attorneys at Fisher-Sandler now.
Many of our Manassas friends and neighbors are struggling mightily just to put food on the table and keep a roof over their family’s heads. Many have also fallen behind on their car payments, credit card debts, and other bills. During these difficult financial times, our Manassas bankruptcy attorneys have helped numerous people wipe out their debts and get the fresh financial start that is their legal right.
Bankruptcy isn’t the right solution for everyone. If you live in Manassas, however, and find that you are working harder and harder only to fall further behind every month, you might want to think about whether or not it’s time to strongly consider seeking the protection provided by our Federal and Virginia State bankruptcy laws. The people to whom you owe money want you to think bankruptcy equals failure. Our bankruptcy lawyers want you to know that it is simply not true!
Here’s the straight-up truth. Your creditors don’t want you to even consider filing for bankruptcy because they know that if you call our Manassas bankruptcy services at Fisher-Sandler Law offices and can qualify, the chances of them ever seeing another dime of your hard-earned cash is virtually zero. We tell all of our Manassas bankruptcy clients who have made the decision to retain our law firm to simply stop paying their qualifying creditors and to use this extra monthly cash flow to get current on their most important bills.
There is no shame in filing for bankruptcy. Our Manassas bankruptcy lawyers understand that bad things happen to good people all the time. Many of our Virginia bankruptcy clients suddenly find themselves in financial desperation through no fault of their own. Whether it’s divorce, death, loss of employment, being forced to care for an elderly parent, facing an unforeseen medical emergency, or a host of other life events that often hit without warning, bankruptcy is intended to be a life preserver when people suddenly find themselves thrown into rough financial seas without warning.
If you can qualify, taking advantage of our bankruptcy laws is your legal right. Here’s the thing that many people do not understand. When people and families are struggling every month while falling further behind on their bills, no one benefits. They become a drag on the economy and often require more and more government assistance. Bankruptcy enables these honest and hard-working people to hit the financial reset button and become productive consumers again. This actually benefits everyone.
Why Bankruptcy in Manassas, Virginia?
Because a lot of Manassas residents are struggling to support their families, bankruptcy is a financial option that many people in Manassas choose to once again get a firm footing financially. Filing for Chapter 7 or Chapter 13 bankruptcy in Manassas can wipe out or reduce unmanageable debts that threaten to overwhelm individuals, can cause economic havoc, and threaten the financial stability of their family.
Bankruptcy is one of the most powerful financial tools on the planet. It can do all of the following:
- Save Your Home from Foreclosure
- Stop Garnishments and Lawsuits
- Stop Repossession Actions
- Stop Collection Calls and Creditor Harassment
- Wipe Out ALL Credit Card Debts
- Eliminate ALL Medical Debts and Hospital Bills.
- Get Rid of Debt You Can No Longer Afford.
Many people wait too long before they decide to file bankruptcy. The problem could maintain an unrealistic hope that something will suddenly change or the stress of having to think about a hopeless situation. Many people don’t know what bankruptcy can do and feel guilty about not being able to pay debts.
If you are being hounded by creditors or find yourself in a situation where you are making credit card charges every month just to keep up with bills, you should seriously look at contacting Fisher-Sandler about filing for bankruptcy protection. Bankruptcy laws are there to provide a fresh start to someone who is honest but simply got over their head. The second you file bankruptcy all debt collection stops. This includes nasty phone calls, foreclosures, repossessions, lawsuits, placing a lien on your property, garnishments – all debt collection. Just knowing what your rights are will help you immediately improve your cash flow and help you sleep better at night.
Other options, while they may get you out of trouble for the moment, may not be nearly as beneficial and permanent a solution as a bankruptcy. Bankruptcy allows you to keep your retirement plan. You can protect home equity in bankruptcy. Cashing out a 401K or taking out a home equity loan may not solve the problem and could lead to more financial troubles down the road. More importantly, when you file for bankruptcy, we can fully protect your 401K, pension plan, and other retirement accounts. Our Manassas bankruptcy lawyers can also preserve up to $125,000 of equity in your house.
Manassas Bankruptcy Lawyers
You owe it to yourself to find out if can qualify for bankruptcy protection and relief. Many of our Manassas bankruptcy clients are surprised to learn how easy it is to qualify. They are also relieved to learn that they will never have to pay their credit card bills again, as well as many other debts. They are also surprised to learn that they can also probably keep 100% of their property and possessions.
The bankruptcy code has many “exemptions” that enable people to protect their personal property and assets. This enables them to pass this property through their bankruptcy and retain them on the other side once they receive their formal discharge. This is part of the true power of bankruptcy.
A good Manassas bankruptcy lawyer knows how to maximize their clients’ relief and protection under the Bankruptcy Code. Our Manassas debt relief attorneys at Fisher-Sandler, LLC are skilled and aggressive advocates for all of our personal bankruptcy clients. And, we want you to understand your legal rights and options when it comes to filing for bankruptcy. Get the help, answers, and information you need today!
Give us a call today for a free, no-obligation initial consultation.
Fisher-Sandler, LLC – Call (703) 494-3323
The only thing you have to lose are your debts!
The idea of bankruptcy is to give a person a final solution and let creditors know where they stand while allowing the debtor the ability to keep enough property to maintain dignity, to take care of their family, to plan for the future, and to feel motivated to continue being a productive worker.
Without bankruptcy, people may drop out of the mainstream workforce, stop participating in the consumer marketplace, fail to provide for their children’s education all while not being able to pay their debts anyway, or if they do, they may only pay the most aggressive and unfair creditor. Bankruptcy also provides a way for creditors to share equally if there is any money to pay at least some of the debt in bankruptcy.
Chapter 7 Bankruptcy in Manassas, Virginia
Filing Chapter 7 Bankruptcy can be a life-changing experience. It should not be considered a failure. You have a right to file for Chapter 7 Bankruptcy once every 8 years. Due to unforeseen financial problems, the federal government created the U.S. Bankruptcy Code to provide debt relief for people who can no longer reasonable afford to pay their contractually obligated debts.
Chapter 7 Bankruptcy is the most frequently filed bankruptcy. It discharges (wipes out) most unsecured debts. Some of the most common unsecured debts are credit cards and medical bills. So long as these debts are incurred before your bankruptcy petition is filed and the debt was not obtained fraudulently, these types of debts are almost always completely wiped out in Chapter 7 Bankruptcy.
What is an unsecured debt? Unsecured debt is a not that has no collateral attached to it. Payday loans, residual debts from car loan repossessions and mortgages due to foreclosure are other unsecured debts commonly discharged in Chapter 7 Bankruptcy. Old income tax debt can be discharged in bankruptcy under certain circumstances. Student loans, while also unsecured, are usually not discharged in bankruptcy.
A good Manassas bankruptcy attorney knows how to determine whether or not filing for bankruptcy is your best option. They also know how to help you plan for a Chapter 7 bankruptcy and how to best help you protect your assets when your bankruptcy petition is filed.
Chapter 13 Bankruptcy in Manassas, Virginia
If your household income is higher than average, you may not qualify for Chapter 7 Bankruptcy. However, you still may have the option to file Chapter 13 Bankruptcy to discharge a significant portion of your unsecured debts.
A “Means Test” is applied to determine whether or not you qualify for Chapter 7 Bankruptcy and if you do not qualify, your minimum monthly payment to unsecured creditors in a Chapter 13 bankruptcy. Our experienced Manassas bankruptcy lawyers can provide you with a detailed Means Test analysis for a low flat fee if this is what is required to determine your eligibility.
Chapter 13 Bankruptcy can also “cramdown” car loans, thereby lowering the car loan balance to the fair market value of the vehicle. The car loan must be at least 910 days old to do so. The interest rate on the car loan can also be lowered.
In some instances, Chapter 13 Bankruptcy can also strip and discharge a second mortgage on a debtor’s primary residence. This is a complex legal process involving an adversary proceeding against your second mortgage company. Our experienced Virginia State and King County bankruptcy lawyers can provide you with a free consultation to determine whether this is possible for you.
Manassas Bankruptcy Questions:
How Can Bankruptcy Help?
Filing for bankruptcy can help individuals and families financially in many different ways including:
1. Discharging Debts
A Manassas bankruptcy completely wipes out all qualifying unsecured creditors. Stop all harassing phone calls immediately!
Discharging (wiping out) credit cards, medical bills, loan deficiencies from car and other property repossessions, broken leases, payday loans, foreclosure deficiencies, and all other qualifying unsecured debts is undoubtedly one of bankruptcy’s greatest powers. This is clearly one of the primary benefits of seeking protection under the Federal and Virginia State bankruptcy laws.
Bankruptcy will completely wipe out all of these debts. You will NEVER have to pay another penny on them, and your creditors will automatically be forced to stop calling and harassing you at all hours of the day and night.
2. Prevents a Home Foreclosure.
A Manassas bankruptcy can stop your home’s foreclosure.
This is another one of the Bankruptcy Code’s most powerful tools. If can qualify, and choose to file a Manassas, VA bankruptcy, it will stop any pending foreclosure action dead in its tracks. At a minimum, this will give you and your family some breathing room. In order to keep you home, however, you must be able to make your monthly mortgage payment.
But, by also freeing up immediate monthly cash flow (e.g. money that you are no longer paying to credit card companies or other unsecured creditors), a Virginia bankruptcy may put you in a position to be able to get caught up on your mortgage and keep your home.
The bottom line is that our bankruptcy lawyers can immediately stop a scheduled foreclosure sale, and give you time to catch your breath. This may also give you critical time to try and get your mortgage modified, which will also hopefully allow you to keep your home.
3. Stop all Harassing Phone Calls Immediately.
This is another one of the Bankruptcy Code’s most powerful protections called the automatic stay. If you file for bankruptcy, your creditors are legally required to stop calling and harassing you. This means that you no longer have to live in fear of your phone ringing. And, our bankruptcy lawyers will help ensure that your creditors get off your back. It’s the law.
4. Helping with Car Loans.
For many of our Manassas bankruptcy clients, we are able to get their car loan payments lowered or restructured. In some cases, depending on how long you have owned your vehicle, we may also be able to actually lower the current balance of our loan or your interest rate.
Lowering and restructuring car loan payments and in some cases, lowering the balances and interest rates.
5. IRS Back Taxes.
In certain situations, our Manassas bankruptcy lawyers can help lower your IRS and other tax payments, as well as lower your interest rate. The issue of back taxes can be a complicated one. We’re here to help you understand your legal rights and options.
In certain instances, however, with tax debts that are more than three years old, our Manassas bankruptcy attorneys can successfully have these obligations completely discharged so that you will never have to pay them.
6. Help with Student Loans.
In general, student loans are not dischargeable in a Manassas bankruptcy. In many cases, however, filing for bankruptcy can help clients with student loans. For example, depending on which type of bankruptcy is best for you, you may be able to significantly lower your monthly payments for up to five years.
7. Consolidate your Debts in a Manassas Chapter 13 Bankruptcy.
For our Manassas bankruptcy clients with higher incomes, filing a Chapter 13 bankruptcy acts as a type of consolidation plan that is based on your specific income. This enables you to lower your monthly payments on unsecured debts to one that you can afford.
If you have questions about whether or not you can qualify for bankruptcy, particularly if you earn well above the Virginia median income, we invite you to call our offices for an initial consultation. Many people erroneously believe that their income will prevent them from qualifying for bankruptcy protection.
Many of these people, however, can qualify and would greatly benefit by filing for bankruptcy. When you call our the Manassas bankruptcy offices of Fisher-Sandler, one of our debt relief attorneys can review your finances in detail and then fully explain your options.
8. Frees Up Immediate Cash Flow.
As noted above, filing for bankruptcy will almost always immediately free up monthly cash flow. This is because you will no longer be paying unsecured creditors every month. The money that you are now paying on credit card bills, medical bills, judgments, PayDay loans, etc. will now be available for rent, gas, groceries and other living necessities instead to your creditors.
If you are currently subject to wage garnishment, our Manassas bankruptcy lawyers will be able to immediately stop it at the time of your filing. In some situations, we can even have some of the money that was garnished returned to you.
Do I Have to Go to Court if I File for Bankruptcy?
Yes, filing for bankruptcy, both Chapter 7 bankruptcy and chapter 13 bankruptcy, requires one court appearance called the “Meeting of the Creditors.” Your attorney will appear with you at this hearing. You will appear before a bankruptcy trustee, not a judge, and verify that all financial information in your bankruptcy petition is correct. You must bring a picture ID and verification of your social security number to this hearing.
The Meeting of the Creditors usually only lasts for a few months and is not stressful so long as your bankruptcy petition was filed with complete accuracy. Pursuant to local bankruptcy court rules, the hearing must be scheduled within 35 days of filing your bankruptcy petition. Creditors rarely appear at this hearing, though this is their opportunity to appear.
Need More Information About Filing for Bankruptcy in Manassas, Virginia?
Contact Fisher-Sandler at (703) 494-3323 for a Free Consultation from an Experienced Bankruptcy Lawyer.
Manassas Virginia – About
The City of Manassas is located in Prince William County Virginia and has well over 38,000 residents. Manassas serves as the county seat of Prince William County. The City of Manassas has several important historic sites from the period 1850–1870. In July 1861, the First Battle of Manassas – also known as the First Battle of Bull Run – was fought nearby, the first major land battle of the American Civil War. Manassas commemorated the 150th anniversary of the First Battle of Manassas from July 21–24, 2011.
Following the war, the crossroads grew into the town of Manassas, which was incorporated in 1873. In 1894, Manassas was designated as the county seat of Prince William County, Virginia, replacing Brentsville. In 1975, Manassas was incorporated as an independent city, and as per Virginia law, was separated from Prince William County.
Manassas is mainly served by I-66, U.S. 29, Virginia State Route 234 Business and Virginia State Route 28.