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If you are dealing with insurmountable debt, it may be time to discuss your options with a Triangle bankruptcy attorney at Fisher-Sandler, LLC. Nathan Fisher and Michael Sandler have over 40 years of bankruptcy filing experience. The Triangle bankruptcy lawyers provide effective debt relief services for our valued clients in Triangle, Dumfries, Woodbridge, Dale City, Lake Ridge and all of Prince William County. Whatever issues you may be facing, we can help you examine your options and take steps toward a better, more stable financial future. Contact Fisher-Sandler your Triangle bankruptcy attorney firm to get started with a FREE case evaluation.

At Fisher-Sandler Law Offices, our clients come first. Our team is committed to finding workable debt relief solutions that suit the needs of each individual. Since not every case is identical, the same solution won’t work for every individual. Our firm has helped thousands of Virginians over the past twenty years – now, we’re ready to help you.

Types of Debt Relief & Bankruptcy Services We Offer:

Are you a candidate for tax forgiveness? Would Chapter 7 bankruptcy or Chapter 13 bankruptcy be right for you? Are you facing foreclosure or repossession? Speak with us about your situation so we can find the debt relief solution that’s right for you.

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Learn more about the debt relief and bankruptcy services we offer:

What Are the Benefits of Filing for Bankruptcy?

If you are struggling with unmanageable debt, consider asking a Triangle bankruptcy attorney about filing for Chapter 7 or Chapter 13 bankruptcy. Although no one should treat bankruptcy like a one-size-fits-all solution, it can be highly beneficial for those in difficult situations. Deciding what is your best option and plan of attack is something a qualified Triangle bankruptcy lawyer at Fisher-Sandler can help you decide. If you are considering filing bankruptcy, ask your Triangle bankruptcy attorney about the following benefits:

  • The automatic stay will prevent further debt collection efforts
  • Discharging most, if not all, of your unsecured debts
  • Preventing the loss of your home to foreclosure
  • Putting a stop to auto repossession and wage garnishment
  • Moving forward with a clean slate and a fresh start
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What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is often called “liquidation” bankruptcy. People usually choose this chapter when they do not have enough income to repay their debts. Most debts in Chapter 7 bankruptcy are eliminated and completely discharged. However, you may have to sell some property in order to repay creditors. You must qualify for Chapter 7 via a Means Test that will determine if your income meets guidelines to file Chapter 7. A bankruptcy attorney can walk you through the Chapter 7 process and help you take the means test.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy, often called “reorganization” bankruptcy, may be used to manage debt over a three to five year payment period. If you have enough income to repay most of your debts but need structure in which to do that, Chapter 13 may be an option for you. Your debts may not exceed certain limits; however, most people who do not qualify for Chapter 7 can utilize the Chapter 13 bankruptcy process.

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The Bankruptcy Process

The process of filing bankruptcy can be complex. You must submit specific forms and provide a plethora of information to the bankruptcy court. There are court hearings and legal procedures that you must follow. A skilled Triangle bankruptcy lawyer can guide you through the process and help you understand your legal options.

Steps in the bankruptcy process include the following:

Step 1: Complete a credit counseling course.

Within 180 days prior to filing for bankruptcy, you must complete a credit counseling course. The U.S. Trustee’s office must approve the course, and it can cost between $25 and $35 for the course. If you cannot afford a credit counseling course, you may qualify for discounts or a free course.

Step 2: File your bankruptcy petition with the federal court.

You must file a petition for bankruptcy along with a filing fee with the federal bankruptcy court in your jurisdiction. You must also submit information about your income, debts, and any assets you own. The bankruptcy court will quickly issue an automatic stay order, which will pause all creditor collection efforts. If you are dealing with a foreclosure or repossession, these will stop. Calls, emails, and other contact from creditors will also be routed to your bankruptcy attorney. An automatic stay will not be put into place or will be limited if you have already filed for bankruptcy once or more within the last 12 months.

Step 3: Attend a 341 Meeting of Creditors.

Within 60 days of when you file your bankruptcy petition, you will attend a hearing called the “meeting of the creditors.” This hearing will not take place in a court, but will likely be in a meeting room. Your bankruptcy trustee, attorney, and creditors may appear at the hearing. However, it is rare for creditors to actually attend the meeting of the creditors. Typically, you answer questions from the trustee and review the information that you submitted with your bankruptcy petition.

Step 4: Take a second debt counseling course.

After your meeting of the creditors, you will have to take a second debt counseling course. This will help you understand your current budget and how to manage your debts going forward.

Step 5: The court will confirm your eligibility to file bankruptcy.

The bankruptcy court will review your information along with any challenges presented at the meeting of creditors. If you are filing Chapter 7, the bankruptcy court will ensure you pass the Means Test. If you are filing Chapter 13, the bankruptcy court will review the amount of your secured and unsecured debts and determine if you qualify.

Step 6: The court will manage your debts.

If you are eligible for bankruptcy, the court will handle your debts according to the chapter of bankruptcy that you are requesting. If you are filing Chapter 7, the court may require you to liquidate some of your property to pay your creditors. When filing Chapter 13, you may have to submit a proposed payment plan. In the end, the court will require you to pay the necessary debts and receive a discharge of eligible debts.

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What Types of Debt Can Be Discharged?

You can’t discharge all debts through bankruptcy. There are certain types of debt that are “dischargeable” and others that are “nondischargeable.” A knowledgeable bankruptcy lawyer can review your debt and help you understand which types of debt you are dealing with.

You can completely wipe out debts that are dischargeable through bankruptcy. You do not have to repay them at all; moreover, the creditors cannot harass you to collect them. Dischargeable debts include medical bills, credit card debt, personal loans, and utility bills.

Nondischargeable debt cannot be done away with through bankruptcy; however, you may be able to manage these debts through your Chapter 13 repayment plan. Examples of nondischargeable debt include some tax debt, alimony, child support, and student loans.

Alternatives to Bankruptcy

If you are unsure of what to do about your debt, a bankruptcy attorney can inform you of your options. While bankruptcy may not be the right choice for you, a Triangle bankruptcy lawyer can guide you through your options, which may include debt consolidation, negotiation to decrease debt amounts, restructuring of loans, and more.

Start Your Relief Process Today by Contacting a Triangle Bankruptcy Attorney

If you feel your debt may be taking over your life, then speak with a highly trained and experienced Triangle bankruptcy attorney at Fisher-Sandler, LLC today. We service clients throughout the entire Prince William County area. At Fisher-Sandler Law our firm’s number one goal is to help residents get and stay out of debt. Let us help you get through your hardest times.

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Triangle Virginia – About

Triangle is a suburb of Washington, D.C. with a population of 8,972. Triangle is located in Prince William County. Living in Triangle offers residents a dense suburban feel and most residents rent their homes. Triangle is a census-designated place (CDP) in Prince William County, Virginia, United States. The population was 8,188 at the 2010 census. It is bounded to the south by the Marine Corps Base Quantico, which surrounds the town of Quantico. According to the United States Census Bureau, the CDP has a total area of 2.6 square miles (6.8 km²), all of it land. It is bounded to the north and west by the town of Dumfries. It is bounded to the west by Prince William Forest Park and to the east by the Potomac River.

Triangle Virginia

Source: Wikipedia


Other Cities Served in Prince William County:

Woodbridge, Dale City, Lake Ridge, Occoquan, Montclair, Dumfries, Triangle, Quantico, Gainesville, Haymarket
Nokesville, Bull Run, West Gate, Sudley, Buckhall, Loch Lomond, Yorkshire, Bristow, Wellington, Catharpin
Woolsey, Manassas, Manassas Park, Bull Run, Linton Hall, Prince William County

Zip Codes Served:

20143,22026,22193,20155,20169,22192,20136,20112,20111,
22191,22025,20181,22125,22134,20109,22172