Mount Vernon Bankruptcy Attorney
Get a Bankruptcy Lawyer Near Me
Are you considering filing for bankruptcy in Mount Vernon? If so you will need the expertise of an experienced Mount Vernon bankruptcy attorney. With the changes to the bankruptcy code in 2005 trying to go it alone can be overwhelming at best. With so many choices when searching online for a good bankruptcy attorney in Mount Vernon, this to can become overwhelming.
At Fisher-Sandler, LLC we specialize in Chapter 7 bankruptcy, Chapter 11 bankruptcy, and Chapter 13 bankruptcy. With over 40+ years of bankruptcy filing experience, Nathan Fisher and Michael Sandler have what it take to get your bankruptcy petition filed correctly the first time. We have helped thousands of Northern Virginia and Mount Vernon residents file for bankruptcy protection since 1999.
If you are facing wage garnishment, foreclosure, eviction, utility bill cut-offs, creditor lawsuits, frozen bank account/accounts, car/truck repossession, etc we can help you today. We are the top emergency bankruptcy filing attorneys in Northern Virginia. Within 1/2 hour of meeting with you, we can file your bankruptcy petition and stop your harassing creditors immediately. After filing you will be protected by the “Automatic Stay” which keeps your creditors from contacting you or following through with their lawsuits, etc.
Bankruptcy Services in Mount Vernon
For many Mount Vernon residents and small business owners struggling with debt or facing harassing creditor calls, foreclosure, etc, bankruptcy provides immediate and long-term solutions for which they are looking. If you think personal bankruptcy may be right for you, an experienced Mount Vernon bankruptcy lawyer can help you answer your questions in order for you to make the right decision. At Fisher-Sandler, LLC we help people throughout Mount Vernon and Fairfax County get the bankruptcy legal counsel they deserve.
Our Mount Vernon Bankruptcy Services We Offer:
– Foreclosure Defense
– Student Loan Modification
– Property Exemptions
– Tax Forgiveness
– Auto Repossessions
– Stop Creditor Harassment
Mount Vernon Chapter 7 Bankruptcy Attorney
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 Mount Vernon Virginia, Chapter 7 filers get an opportunity to move forward again without the crushing burden of their debts.
Filing Chapter 7 Bankruptcy in Mount Vernon
By filing for bankruptcy in Mount Vernon, a debtor is technically placing the property they own and the debts owed into the possession of the bankruptcy court. The debtor is not permitted to sell or give away any of the property they own once the bankruptcy is filed, or repay pre-filing debts, without the court’s consent. A day or two after the bankruptcy is filed, the court will schedule a creditors meeting, which will include the debtor and all the creditors listed in the bankruptcy papers.
The main benefit of bankruptcy under Chapter 7 is the prospect of a complete discharge of most unsecured debts. Although certain obligations like recent taxes, student loans or child support are not dischargeable in bankruptcy, you can end up walking away from most other claims: credit card debt, medical bills, revolving loan accounts, or any other debt that is not supported by collateral or covered by some rather narrow exceptions. Not everyone qualifies for Chapter 7 relief, however. Your gross household income has to be no greater than the state median in Virginia, as the case may be. We can analyze your income and expenses to see whether you qualify for Chapter 7 bankruptcy.
In theory, at least, the principle of Chapter 7 is to sell off your assets and divide the proceeds among your unsecured creditors, leaving you supposedly without property but at least free of debt. However, fortunately, it doesn’t really work that way. Virginia has detailed schedules of exemptions that allow you to claim certain property as unavailable to creditors. In most cases, holders of unsecured claims collect little or nothing from you, and you keep everything you have.
People with substantial equity in their homes or who own valuable nonexempt property might find Chapter 13 debt consolidation and repayment plan to be a better choice, that way, there is little or no risk that you will have to liquidate assets to meet the claims of creditors. Many of the Chapter 7 cases we file are “no-asset” cases that expose the debtor to no risk of loss.
A Chapter 7 bankruptcy filing completely discharges most debts of an individual or business. In most cases, an individual may keep certain significant assets. A business can continue operations. It is inaccurate to view Chapter 7 bankruptcy as an admission of failure or the end of the line. Sometimes Chapter 7 bankruptcy is your best option.
Mount Vernon Chapter 13 Bankruptcy Attorney
Chapter 13 bankruptcy is often referred to as a wage earner’s reorganization. Many debtors file a Chapter 13 case if they do not qualify for Chapter 7 bankruptcy, or if they are trying to save a home from foreclosure. Chapter 13 allows individuals with regular income to repay all or part of their debts over three to five years. As with Chapter 7 cases, the filing of a Chapter 13 bankruptcy puts in place an automatic stay, preventing creditors from acting to collect most debts.
Fisher-Sandler, LLC has over forty years of experience with the most complex bankruptcy matters, including countless Chapter 13 cases. The length of a Chapter 13 case means that a debtor’s financial situation and needs may change over the course of the case, requiring more active management by the bankruptcy attorney.
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. Call Fisher-Sandler today at (703) 691-1642 to schedule your FREE consultation.
Emergency Bankruptcy Attorney Mount Vernon
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 Annandale Virginia 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 Mount Vernon 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.
Mount Vernon Virginia – About
When visiting Fairfax County, Virginia is not complete without a stop at Mount Vernon, George Washington’s beloved home. Mount Vernon is the most visited historic estate in the United States and was recently named one of the Top 10 Best Home Estate Tours in the U.S. by Fodor’s Travel. With great lodging options accommodating both the budget-conscious and those desiring convenience, it’s easier than ever to get to know the real George Washington, from his boyhood to his wartime service, to his agricultural entrepreneurship and of course, though his presidency. A fantastic and diverse array of dining options, ranging from ethnic offerings to traditional local fare, makes your visit to Mount Vernon even easier and more enjoyable.
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: