Montpelier Bankruptcy Attorney
Get a Bankruptcy Attorney Near Me
Are you facing financial hardships due to an unexpected job loss or illness in Montpelier? We understand what you are going through. Dealing with constant creditor harassment can take a mental toll on not only you but your entire family. Let our Montpelier bankruptcy attorneys help you stop your financial nightmare and help you get your life back.
At Fisher-Sandler, LLC – Richmond, VA we have been helping Montpelier residents and small business owners file for bankruptcy protection under the US bankruptcy code since 1999. Sharon Choi Stuart, Nathan Fisher, and Michael Sandler have a combined 60 + years of bankruptcy law experience and have filed thousands of successful bankruptcy petitions throughout the Richmond, Montpelier and Hanover County areas since 1999. We specialize in filing Chapter 7 bankruptcy, Chapter 11 bankruptcy, and Chapter 13 bankruptcy.
If you are currently facing wage garnishment, foreclosure, eviction, utility bill cut-offs, car repossession, creditor lawsuit and judgments, IRS tax levy, frozen bank account/accounts, etc, the Montpelier bankruptcy lawyers at Fisher-Sandler can help you get the debt relief you need and get you on the road to financial recovery. Call our Bankruptcy Law Office today to schedule your FREE consultation and let us help you decide if bankruptcy is the right option for you.
Montpelier Bankruptcy Services
When situations beyond your control put you and your family in dire financial straits, bankruptcy might be the right choice. If you are considering bankruptcy, the firm you choose to work with can make all the difference in the outcome of your case. Not all attorneys are bankruptcy attorneys and not all “bankruptcy attorneys” have a comprehensive understanding of Virginia bankruptcy laws. You need a Montpelier bankruptcy lawyer on your side who understands your problems and will work hard to solve them.
Whether you qualify for liquidation and discharge of most debts or choose to reorganize your debt into a comfortable repayment plan, our team can provide you with the facts and legal options you need to be aware of. With our help, you can make sound decisions about your future.
Our Bankruptcy Services in Montpelier
– Foreclosure Defense
– Student Loan Modification
– Property Exemptions
– Tax Forgiveness
– Auto Repossessions
– Stop Creditor Harassment
Montpelier Chapter 7 Bankruptcy Attorney
Whether it is you, a family member or your small business experiencing financial hardship in this tough economy, sometimes filing for Chapter 7 bankruptcy protection is the best solution for your most difficult problems. Chapter 7 bankruptcy provides debt relief for qualified individuals and businesses. While Chapter 7 does not enable you to restructure secured debt or catch up on past-due payments or taxes, our experienced Montpelier bankruptcy attorneys can help clients in Hanover County discharge unsecured debt, providing them with a clean slate.
Chapter 7 is preferable to Chapter 13 for most individuals, assuming they can pass the bankruptcy means test. Filing for Chapter 7 bankruptcy will allow you to discharge your unsecured debt, including:
- Medical bills
- Credit card debt
- Personal loans
- Payday loans
- Contractual debt (deficiencies)
- Legal judgments
The automatic stay is part of the fresh financial start that the law guarantees because it allows you to better organize your finances without undue pressure from moneylenders. The real fresh start comes with the discharge order, which is discussed below.
Montpelier Chapter 13 Bankruptcy Attorney
If you’re currently employed but struggling with bills and other debts, Chapter 13 bankruptcy offers a powerful solution. Chapter 13 can assist with every type of debt and help avoid serious consequences, such as home foreclosure and vehicle repossession. Chapter 13 allows you to pay your creditors through a flexible repayment plan, which eliminates high-interest rates, penalties, lawsuits, and garnishments.
If you’re struggling with debt, facing home foreclosure, or worried about repossession of your car, Chapter 13 can help. It’s time to utilize this powerful tool to protect you and your family from your creditors.
Unlike Chapter 7 bankruptcy, Chapter 13 allows individuals to repay their debts over a period of time. Your Montpelier bankruptcy attorney will negotiate payment plans and terms with your creditors, and you make monthly payments until the debt has been repaid. This option can take anywhere from three to five years to complete. After repaying the debt, many individuals can enjoy a fresh financial start.
What Is Chapter 13 Bankruptcy in Montpelier
Individuals who have a regular income, unsecured debt less than $383,175, and secured debt less than $1,149,525 are eligible for a repayment plan under Chapter 13. In Chapter 13, debtors keep their property and make regular payments to the trustee in order to repay creditors over the life of the plan, which is between three to five years. Debts may be repaid in full, repaid in part, or not repaid at all.
You will have no direct contact with your creditors while under chapter 13 protection, the “Automatic Stay” kicks in immediately once your bankruptcy petition is filed. The phone stops ringing, they can’t even send you a bill in the mail. Everything goes through the federal court once you file your case. Your property is protected from seizure and all forms of collections are stopped.
Montpelier Chapter 11 Bankruptcy Attorney
A Chapter 11 bankruptcy case begins with the filing of a petition with the bankruptcy court. As with cases under other chapters of the Bankruptcy Code, once the petition is filed, you will immediately get the benefit of the “automatic stay” which is an order that prohibits your creditors from taking collection actions against you. All debt collection actions including lawsuits, garnishments, and foreclosures are suspended, giving you time to negotiate with your creditors on a repayment plan. The automatic stay continues until the court approves your plan of reorganization.
After you file for Chapter 11 bankruptcy in Montpelier VA, you’ll disclose your income, assets, and debts on official bankruptcy forms. It is at that point that you begin negotiating your reorganization plan with your creditors. Why would your creditors be willing to negotiate with you? It is because the creditors know that if they don’t you might be forced to file a Chapter 7 and they would receive little or nothing.
Chapter 11 is a very complex area of law. If you are a high-income debtor with significant assets or if you have exceeded the debt limits of Chapter 13 bankruptcy, you may want to consider filing Chapter 11 bankruptcy in Montpelier Virginia. Take the time to talk to an experienced bankruptcy attorney at Fisher-Sandler, about how Chapter 11 bankruptcy can work for you. Contact us at (804) 664-3643 to schedule your FREE consultation.
Emergency Bankruptcy Attorney Montpelier
If you find yourself confronting a financial emergency such as eviction or the loss of your home through foreclosure, one option may be to file an emergency bankruptcy petition to protect your assets from creditors. When you file a voluntary petition to open a bankruptcy case, the federal court issues an automatic stay to stop most debt collection actions against you. An emergency bankruptcy petition in Montpelier can be a quick way to forestall foreclosure, repossession of your car, garnishment of your wages, eviction, and lawsuits by creditors.
Our Emergency Bankruptcy Lawyers in Montpelier 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. Call our Offices today at (804) 664-3643 to schedule your FREE consultation.
Montpelier Virginia – About
Montpelier is an unincorporated community in Hanover County in the central region of the U.S. state of Virginia. Montpelier is on U.S. Route 33, which was long named as “the Mountain Road” between Richmond and the Blue Ridge Mountains.
Montpelier: The lifelong home of James Madison, Father of the Constitution, Architect of the Bill of Rights, and fourth President of the United States; his beloved wife Dolley, America’s first “First Lady”; and six generations of enslaved individuals. One of the most significant and authentic architectural restorations ever achieved in the United States. Curatorial and archaeological research are returning the House and landscape to its appearance in Madison’s time, including interpretation and reconstruction of enslaved community sites. House tours are complemented by the exhibition The Mere Distinction of Colour, walking tours.
Other Cities Served in Hanover County:
- Ashland Mill
- Hanover County
- Old Church
- Wicker Corner
Hanover County Zip Codes Served: