Woodlawn Bankruptcy Attorney
Get a Bankruptcy Lawyer Near Me
Considering filing for bankruptcy in Woodlawn Virginia? When facing personal or business financial distress, it can become confusing and overwhelming searching for information about bankruptcy online. With so many “myths” about bankruptcy you can come away with more questions than answers. During times like this, you need the services of an experienced Woodlawn bankruptcy attorney in Hanover County Virginia.
At Fisher-Sandler, LLC – Richmond, VA bankruptcy is all we do. With over 60 years of combined bankruptcy law experience, Michael Sandler, Nathan Fisher, and Sharon Choi Stuart have the skills to get your bankruptcy case completed and filed right the first time. We have filed thousands of successful bankruptcy petitions for residents and small business owners in Woodlawn, Richmond and Hanover County areas since 1999. With so many successful bankruptcy petitions filed, we have seen every situation. Call our Bankruptcy Law Offices at (804) 664-3643 today and find out if bankruptcy is your best option. We offer FREE consultations either by phone or live in office. Stop living in fear of your creditors and get your questions answered today by calling our 24/7 bankruptcy hotline today.
When facing any type of creditor actions such as wage garnishment, foreclosure, eviction, utility bill cut-offs, car repossession, frozen bank account/accounts, IRS tax levy, creditor lawsuits, creditor judgments it is easy to become scared and overwhelmed. Fisher-Sandler specializes in Chapter 7 Bankruptcy, Chapter 11 Bankruptcy (For Individuals) and Chapter 13 Bankruptcy. We can help stop your financial nightmare! If you are facing any of the scenarios above we can file an emergency bankruptcy filing in office the same day we meet. This will stop any creditor actions immediately by invoking the “Automatic Stay“. Call The Law Offices of Fisher-Sandler today for your FREE consultation.
Bankruptcy Services in Woodlawn
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 Woodlawn bankruptcy lawyer on your side who understands your problems and will work hard to solve them.
Our Woodlawn Bankruptcy Services Offered:
– Foreclosure Defense
– Student Loan Modification
– Property Exemptions
– Tax Forgiveness
– Auto Repossessions
– Stop Creditor Harassment
Woodlawn 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 Woodlawn 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. 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 Woodlawn Virginia, Chapter 7 filers get an opportunity to move forward again without the crushing burden of their debts.
Don’t believe the bankruptcy myths that you may have heard. The truth about bankruptcy is you can usually keep your home, your car or truck, and your personal property. After a while, you can begin to rebuild your credit rating. With the help of Fisher-Sandler, LLC, you may be able to eliminate most debts and get your finances back on track.
Woodlawn Chapter 13 Bankruptcy Attorney
If you’re currently employed in Woodlawn Virginia but struggling with bills and other debts, Chapter 13 bankruptcy offers a powerful solution. Chapter 13 can help 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 in Woodlawn Va, Chapter 13 allows individuals to repay their debts over a period of time. Your Woodlawn 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 Woodlawn?
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.
If you find yourself struggling to pay your bills and manage your debt, you may be afforded a second chance through Chapter 13 bankruptcy. An experienced Woodlawn Chapter 13 attorney at The Law Offices of Fisher-Sandler, LLC can help you formulate an affordable plan that protects your property.
Woodlawn 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 Woodlawn 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 Woodlawn 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.
Woodlawn Emergency Bankruptcy Attorney
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.
Emergency bankruptcy filings are sometimes necessary in Woodlawn 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 Woodlawn 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 Woodlawn 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 Woodlawn Bankruptcy Lawyers 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.
Woodlawn Virginia – About
Woodlawn Va is a suburb in Hanover county about 20 miles from Richmond Virginia the state capitol. With a small population of 4,600 according to the 2010 US census. Woodlawn is a great place to live and raise a family. Small town living not far for the big city of Richmond.
Other Cities Served in Hanover County:
- Ashland Mill
- Hanover County
- Old Church
- Wicker Corner
Hanover County Zip Codes Served: