Poindexters Bankruptcy Attorney
Get a Bankruptcy Lawyer Near Me
Are you thinking about filing for bankruptcy protection in Poindexters Virginia? If you are currently facing any type of creditor harassment you may need the assistance of an experienced Poindexters bankruptcy attorney. When going through financial distress it is easy to become confused and overwhelmed, which in turn may cause you to not take any action. Taking this route will only make matters worse for you and your family.
At Fisher-Sandler, LLC – Richmond, VA we have helped thousands of Poindexters and Richmond area residents and small businesses successfully file for bankruptcy protection under the United States bankruptcy code since 1999. With 60 + years of combined bankruptcy law experience, Nathan Fisher, Michael Sandler, and Sharon Choi Stuart can help you get the fresh start you deserve.
We specialize in Chapter 7 Bankruptcy, Chapter 11 Bankruptcy (for individuals) and Chapter 13 Bankruptcy in Poindexters Virginia. If you are currently facing: Wage Garnishment, Foreclosure, IRS Tax Levy, Car Repossession, Eviction, Utility Bill Cut-Offs, Frozen Bank Account/Accounts, Creditor Lawsuits, Judgments, etc. Filing for bankruptcy protection under the US bankruptcy code might your best option. Once we meet with you either in our office or by phone we will go over your financial situation and see if filing for bankruptcy protection is in you and your family’s best interest. So stop living in fear and take action today! Call our office at (804) 664-3643 for your FREE consultation.
Bankruptcy Services in Poindexters
Fisher-Sandler is a full-service bankruptcy law firm providing the Poindexters area with bankruptcy services, along with uncontested divorce, mortgage loan modification and student loan modification services. If you need legal help, contact Fisher-Sandler, LLC immediately for a free consultation. We understand that no matter how similar two bankruptcy cases may appear, no two cases are ever identical in all respects, and our attention to detail allows us to create winning strategies that are tailor-made to suit the needs of each client.
Our Poindexters Bankruptcy Services Offered:
– Foreclosure Defense
– Student Loan Modification
– Property Exemptions
– Tax Forgiveness
– Auto Repossessions
– Stop Creditor Harassment
Poindexters Chapter 7 Bankruptcy Attorney
Filing Chapter 7 bankruptcy in Poindexters Virginia 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 Doswell Virginia, Chapter 7 filers get an opportunity to move forward again without the crushing burden of their debts. Once filed you are immediately protected against any creditor actions via the “Automatic Stay“.
Are you, your family or small business in dire straits in Poindexters Va? Does your debt load seem overwhelming? Is your paycheck spent before you receive it? If so, your next best step is to talk to a Chapter 7 attorney and explore your options. Relief through a Chapter 7 bankruptcy filing in Poindexters may be a viable option and a way to make a fresh start.
How To File Chapter 7 Bankruptcy in Poindexters VA
Chapter 7 is the most common form of bankruptcy protection for individuals in Poindexters. Also utilized by small-business owners, Chapter 7 is known as “liquidation bankruptcy.” When you file for Chapter 7, a portion of your property may be liquidated – or sold — to pay down your debt. Following the sale of your property (and the use of those proceeds to pay a secured debt), most or all of your unsecured debts will be discharged.
You may be allowed to retain possession of any property classified as “exempt” under bankruptcy laws; these assets can include clothing, cars, equipment used for work (like tools) and household furnishings. The purpose of a Chapter 7 bankruptcy is to reposition a person for a fresh start by lifting the burden of debts. The thought is that with a fresh beginning, a person can get on their feet and once again be on solid financial footing. If you do not own a great deal of property, your possessions may all be exempt, qualifying you for a “no asset” case.
Poindexters Chapter 13 Bankruptcy Attorney
Chapter 13 bankruptcy is a form of legal debt reorganization. Like Chapter 7 bankruptcy, it is a procedure in federal court that begins with the filing of a bankruptcy petition and schedules. Chapter 13 bankruptcy is different from Chapter 7 bankruptcy in that rather than providing for an outright discharge of someone’s liabilities, it allows them to repay some or all of their debt over three to five years.
A Chapter 13 bankruptcy in Poindexters Va is also used when a debtor does not qualify to file for Chapter 7 relief. The means test required by the new bankruptcy law prevents some people from filing for Chapter 7 bankruptcy. Whether or not a debtor qualifies for Chapter 7 can be determined by one of our Poindexters bankruptcy attorneys. Call (804) 664-3643 to schedule your FREE consultation today.
In addition to the means test, the new bankruptcy law requires people filing for Chapter 13 bankruptcy to undergo required credit counseling before they can actually file with the Bankruptcy Court. The new bankruptcy law has also changed the amount of debt appropriate for this chapter. The new law has also changed the length of time required between filing a Chapter 7 bankruptcy and a Chapter 13 bankruptcy to four years.
Poindexters Chapter 11 Bankruptcy Attorney
If you are seeking to reorganize your debt or simply want to restructure large amounts of debt, Chapter 11 bankruptcy might be the right choice. This type of bankruptcy is similar to Chapter 13 bankruptcy, and it is important that you carefully examine the benefits and drawbacks of each type of bankruptcy before you file.
Normally, debt-ridden businesses seek Chapter 11 protection. However, if an individual debtor exceeds the income limitations of Chapter 13, he or she may file under Chapter 11. Similar to a Chapter 13 bankruptcy, in Chapter 11 bankruptcy the debtor (whether a business or individual) files a plan with the bankruptcy court stating how the debtor intends to reorganize and pay its debts. A Chapter 11 plan usually pays creditors over a period of five years but the length of plan may be extended up to ten years, with court approval.
The highly experienced lawyers at Fisher-Sandler, LLC, are well-equipped to handle individual Chapter 11 cases and have decades of experience representing both borrowers and lenders in Chapter 11 cases throughout Virginia. Because of our diverse legal backgrounds and experience handling a wide variety of bankruptcy-related business and personal legal matters, we are sure we can help you resolve any issue, no matter how complex it may seem.
Emergency Bankruptcy Attorney Poindexters VA
Emergency bankruptcy filings are sometimes necessary in Poindexters VA. Filing for 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 Poindexters 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 Poindexters 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.
Sometimes it is necessary to act quickly when filing for bankruptcy. This could be true if you need the protection of an automatic stay right away or if, for some other reason, you cannot wait to complete the majority of the bankruptcy forms. If this sounds like you, then you can file a bare-bones emergency bankruptcy form and file the rest later.
Call (804) 664-3643 Today – FREE Consultation
Poindexters Virginia – About
Poindexters Virginia is a suburb of Hanover County. The population is very small right around 3,900. The location is an easy drive to both Richmond and Fredericksburg Virginia. Great place to raise your family. Quiet suburb/ rural area to live.
Other Cities Served in Hanover County:
- Ashland Mill
- Hanover County
- Old Church
- Wicker Corner
Hanover County Zip Codes Served: