Do People Who File Bankruptcy Rip Off Creditors? – Bankruptcy Questions Answered by Fisher-Sandler

Posted on April 27, 2021 by Michael Sandler

Do People Who File Bankruptcy Rip Off Creditors? Call (703) 967-3315 or visit https://fishersandlerlaw.com and ask us about our 👉$0 Down Bankruptcy Program today.👈

Fisher-Sandler has been helping people get out of debt since 1999. We’ve helped thousands of clients file for bankruptcy and we can help you too! Our experienced attorneys have successfully handled thousands of chapter 7 and chapter 13 cases in Northern Virginia.

If you are tired of being harassed by creditors, or if your financial situation is causing stress on your family, then it may be time to consider filing bankruptcy under the U.S. Bankruptcy Code. You can stop harassing calls from creditors today! Get a fresh start with zero down payment for chapter 7 bankruptcy filing at Fisher-Sandler!

If you have large debts that you can’t repay, are behind in your mortgage payments and in danger of foreclosure, are being harassed by bill collectors—or all of the above—declaring bankruptcy might be your answer. Or it might not be.

Bankruptcy can, in some cases, reduce or eliminate your debts, save your home and keep those bill collectors at bay, but it also has serious consequences, including long-term damage to your credit score. That, in turn, can hamper your ability to borrow in the future, raise the rates you pay for insurance, and even make it difficult to get a job.

How Does Chapter 7 Bankruptcy Work?

When you file for Chapter 7 bankruptcy, the court places an automatic temporary stay on your current debts. This stops creditors from collecting payments, garnishing your wages, foreclosing on your home, repossessing property, evicting you or turning off your utilities. The court will take legal possession of your property and appoint a bankruptcy trustee to your case.

What’s the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

Chapter 7 and Chapter 13 are the two common types of bankruptcy that affect consumers. Either could help when you don’t have the means to pay all your bills, but there are important differences between the two.

A Chapter 7 bankruptcy can wipe out certain debts within several months, but a court-appointed trustee can sell your nonexempt property to pay your creditors. You also must have a low income to qualify.

A Chapter 13 bankruptcy allows you to keep your stuff and get on a more affordable repayment plan with your creditors. You’ll need to have enough income to afford the payments and be below the maximum total debt limits (currently nearly $400,000 for unsecured debts and $1 million-plus for secured debts).

A court will approve the Chapter 13 repayment plan, which usually lasts three to five years, and your trustee will collect your payments and disburse them to your creditors. Once you finish the plan, the remainder of the unsecured debts is discharged.

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The Pre Pack Administration Process

Pre pack administration is a relatively new concept that can be used when faced with the prospect of business bankruptcy. Using pre pack administration, a company can continue its operations whilst freeing itself of the debts that it has built up.

Debt Settlement Tips – Why to Use the Threat of Bankruptcy to Get Debt Relief?

Before I answer the question, let me point out that the threat of bankruptcy was never a threat until the recession hit the economy. The credit card issuers never bothered whether the individual borrower was opting for bankruptcy or not. In fact, there have been many instances where the credit card issuers and unsecured lenders have purposefully pushed borrowers into bankruptcy.

The Bankruptcy Laws That Should Matter to You, and They Are Not Legal!

You do not need to understand all the legal jargon that goes with a bankruptcy because you are going to hire a lawyer and that is who will deal with all of this. However, there are some non legal bankruptcy laws that you need to understand to make sure you are making the right decision and make sure you are ready to get into what this is going to include.

Laws of Bankruptcy – Why They Do Not Matter to You Whatsoever!

You have to know that getting yourself out of debt is not a hard thing to do if you know how to use the laws of bankruptcy to help yourself. You do not need to understand how it works and there is very little that you need to know about filing for bankruptcy. You have options and this is one of the best ones to get yourself out of debt when you have truly become desperate.

What is Chapter 13 Bankruptcy Or Reorganization Bankruptcy?

Chapter 13 Bankruptcy means to file for bankruptcy under chapter 13. The debtor files for chapter 13 and along with this, a repayment plan has also to be submitted. A plan called as wage earner plan is set by the lawyer and it is approved by the judge.

Bankruptcy – Is it Your Best Alternative?

If you have plenty of credit card debt, particularly if much of it is long over due, you may perhaps be thinking to seek to file bankruptcy, yet is it your best option? While there may well be a lot of options for a debtor, at times bankruptcy is your best choice.

Bankruptcy – An Introduction

The term bankruptcy comes with an immediate assumption of negative connotations, particularly in the light of the proliferation of instances of individuals declaring themselves, or being declared bankrupt as a consequence of the recent recession. Despite the indubitable downsides of declaring oneself bankrupt (which will be outlined later), bankruptcy does exist for a reason and in some cases is not just the best, but the only realistic course of action that can be taken. When you are not able to keep up with repayments on loans or service debts as they fall due, the option of bankruptcy may…

Financial Life After Bankruptcy

Many people start a business, join ventures and enterprises with different results. Many of them result in personal bankruptcy, a very frustrating situation not only at a financial level. Many people start a business, join ventures and enterprises with different results.

Do-It-Yourself Bankruptcy Filing

If you are in a financial crisis and need to file bankruptcy, did you know that you can file yourself? Depending on your situation, you can save on the attorney fees and file the paperwork on your own.

Filing For Bankruptcy? Here’s Some Sage Advice

Not everyone wants to file for bankruptcy, but if there are no more options left but that, then there are some things you need to know before taking the plunge. First of all bankruptcy is a legal procedure used to discharge (pay off) debts that cannot be met.

Filing Individual Bankruptcy

Filing for individual bankruptcy is one of the worst financial events that can happen to someone. In our society, it brings embarrassment and a stigma that can literally destroy the psyche of some. But, sometimes, circumstances leave you with no other choice than to file for bankruptcy.

Using Bankruptcy Forms Properly to File For Your Bankruptcy!

If you are thinking about filing for bankruptcy you should know that there is going to be a huge stack of forms that you will have to go through. This means that you need to be able to understand some of this information so that you will know what is going on with the bankruptcy forms that are being files. This is a very touchy subject and it is a good thing that you are doing some research first.

Forms That Are Used For Bankruptcy and Understanding How to Fill Them Out!

You have many options when it comes to getting your debts under control and one of those options is to go ahead and file for bankruptcy. This can be very tricky to understand if you did not go to school for law. The forms that are used for bankruptcy alone can be too much for most people to understand. This makes it very hard to file without the help of a lawyer.

Bankruptcy Or Debt Settlement? – Which is a More Financially Wise Decision?

It has always been said that change is the only constant thing in life. And now as the world goes through its evolution process, this time rather than progressing, the world has faced some throwing back on its path. All the countries of the world are facing a downfall in economy and as a result there is a need to find some suitable solution for stabilizing this recession.

What Situations May Warrant Bankruptcy?

In today’s economy we are all faced with the possibility of a layoff from work or a downturn in our financial situation. An unforeseen medical emergency can force you over the edge of your budget.

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How Many Times Can You File Chapter 7 Bankruptcy? – Bankruptcy Questions Answered by Fisher-Sandler

Posted on April 26, 2021 by Michael Sandler

How Many Times Can You File Chapter 7 Bankruptcy? Call (703) 967-3315 or visit https://fishersandlerlaw.com and ask us about our 👉$0 Down Bankruptcy Program today.👈

How Many Times Can You File Chapter 7 Bankruptcy?

Once you have already filed for Chapter 7 bankruptcy, the bankruptcy court will deny a discharge in a subsequent Chapter 7 case if you already received a discharge in your previous Chapter 7 or Chapter 11 case if it was filed within the last eight years. In simple terms, you can obtain a Chapter 7 bankruptcy discharge every eight years. The eight-year time period starts to run from the date your previous case was filed.

The bankruptcy court will also deny a Chapter 7 discharge if the debtor has previously received a discharge in a Chapter 12 or Chapter 13 case filed within the last six years unless the debtor meets fairly strict requirements regarding the amount of debt she paid back in her Chapter 13 case. Similarly, a debtor is ineligible for a second discharge under Chapter 13 if he or she received a prior discharge in a Chapter 7, 11, or 12 case filed within four years of the current case or in a Chapter 13 case filed within two years of the current case.

How Often Can You File Bankruptcy?

If you have filed for bankruptcy before and received a discharge then the bankruptcy code specifies when you can file bankruptcy again and obtain a discharge. If you did not get a discharge in your previous bankruptcy case then you can file for bankruptcy again without consideration of the time limits described below. You can file for bankruptcy twice or even three times, even if you have received a discharge. The key is that you will often have to wait a certain period after you have filed and have received a discharge, to file for bankruptcy again and get a full discharge. If you file for bankruptcy again prior the time limits, then you will not be entitled to a discharge, and your remaining debts will survive the bankruptcy.

Chapter 7 Bankruptcy – If you have received a discharge in a previous Chapter 7 Bankruptcy, then you must wait 8 years from the date you filed your previous Chapter 7 Bankruptcy to file again. For example, if you filed your previous Chapter 7 case on September 25, 2006, you will be eligible to file and receive discharge in another Chapter 7 Bankruptcy as of September 25, 2014. Filing prior to the 8 year waiting period will result in the denial of discharge in the second case and you will be legally liable for all of your debts.

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Avoid Bankruptcy – How to Find Established Debt Relief Options Online

If you understand the importance of credit score, you will never think of bankruptcy or late payments. The whole financial future is depending on credit report and credit score, so you must be careful about your debts. Although recession has made it difficult to get out of debts by paying back the loans, there are a few ways to get out of the debts easily.

Personal Bankruptcy Advice Critical in Knowing the Bankruptcy Process

As per bankruptcy rules and code filers are required to fill up a set of official forms as part of the legal module enacted to deal with individual debt problems and businesses. Bankruptcy courts have been designated for all districts across the country.

Is it Impossible to Be a Success After Bankruptcy?

Having success in your life after bankruptcy isn’t as hard as you may think. You see, bankruptcy is really a beginning, not an end. Look at these famous examples of people who bounced back from bankruptcy and be inspired to do the same!

Bankruptcy Alternatives – Describing Some Alternatives to Bankruptcy

When people are caught in massive debts, they cannot bear the calling and activities of debt recovery agencies, so they finally select bankruptcy. Many people have been declared bankrupt in the few years when there were no alternatives of bankruptcy and people have only one way to get out of their massive loans.

Personal Debt Bankruptcy – Why Settlement Programs Are Replacing Bankruptcy

Many people were badly struck by the ongoing recession as they went under massive debts. The major cause of them going under debt was the loans they got to meet their daily expenditure, while having no source of income.

Credit Debt Bankruptcy – Avoid Credit Card Bankruptcy and Select a Debt Settlement Program

Most people think that bankruptcy is the only solution to get relief from debt. The use of a credit card is very constructive for those who do not use it excessively. People who do not use credit cards properly are the ones who suffer a lot in the long run.

How to Use the Threat of Bankruptcy to Terminate Half of Your Credit Debt – Proven Tips

Read ahead for some tips that will help you extract maximum benefits out of your threat file for bankruptcy as far as your credit card issuers are concerned. Never use the word bankruptcy when you are beginning negotiation. In fact, you should not use the phrase until unless you are certain that the credit card issuer has agreed to the concept of debt settlement in principle.

Credit Debt Settlement – How the New Bankruptcy Rules Make Debt Settlement a Better Choice

Whoever prepared the 2005 amendment to the bankruptcy laws was probably of the opinion that recession will not take place in the next 100 years. Well, chapter seven bankruptcy was made more difficult to file. The means test was introduced and the government had to be satisfied that the individual was earning less than the average income in the state in which he or she resides.

Bankruptcy Options – Good Options to Avoid Bankruptcy

Bankruptcy is the process that is never easily digestible from both the lender’s and the borrower’s point of view. No doubt that, once the person declares himself as bankrupted, they will get rid of all of their liabilities in no time, but they think about it sensibly he will come to realize that the decision to go bankrupt is more of an emotional rather than the sensible decision. The negative impact of bankruptcy will remain on the credit score for long.

Avoid Filing Bankruptcy! Why Bankruptcy is Always the Last Option For Getting Out of Debt

The answer is very simple -bankruptcy has as many disadvantages as it has advantages. Further, until and unless you learn the debt management lessons on your own, filing for bankruptcy will be of no use whatsoever. It is only when you understand where you went wrong and takes remedial action will you avoid debt problems in the future.

Properties Exempted Under Bankruptcy Chapter 7

Bankruptcy is a relief to the debtors who are really worried about their debts. Bankruptcy has manifold aspects. The debtor files for bankruptcy under any of the suitable chapters as introduced by US code…

Credit Card Debt Bankruptcy – How to Be Completely Free of Credit Card Debt in 1-2 Years

The situation of bankruptcy has always existed but not at this rate. A lot of us are unaware of the fact that credit card debt bankruptcy creates problems for both loan takers and banks. Some of you may not understand this point. Why would credit card debt bankruptcy be a problem for loan giving companies? This is because if you declare that you don’t have any money left; your unsecured liability firm loses everything which could have been claimed from you. Even the new laws are not very unbiased in relation to credit card debt bankruptcy.

Common Bankruptcy Misconceptions

The prospect of filing for bankruptcy is thought by many to be frightening and humiliating. In the view that has been sown and spread by creditors and neighborhood gossips everywhere, a bankruptcy filing represents a personal failure of the greatest magnitude.

The Fear of Bankruptcy – The 3 Steps

Bankruptcy or the thought of it can all but cripple a person. It can leave thoughts of being a loser in your mind or even worse! Most people have worked hard at something all of there lives and then it seems like in a blink of an eye it’s gone!

Figuring Out Diverse Alternate Options to Bankruptcy

If you’re down in the dumps, flooded by the several debts that you need to shell out off and is thinking of filing for bankruptcy then I suggest you take additional time to consider how it can affect you within the extended run. While, in most cases filing for bankruptcy can save you a ton of time from the many debts and loans that you’ve accumulated for the past few years.

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Do I Need To File Bankruptcy If My Small Business Fails? – Bankruptcy Questions Answered

Posted on April 22, 2021 by Michael Sandler

Do I Need To File Bankruptcy If My Small Business Fails? Call (703) 967-3315 or visit https://fishersandlerlaw.com and ask us about our 👉$0 Down Bankruptcy Program today.👈

If you’re a struggling small business owner—especially a sole proprietor—filing for Chapter 7 bankruptcy could help you save your service-related business or provide a simple way to close it. It’s rare to put any other type of business in a Chapter 7 bankruptcy—such as a partnership, LLC, or corporation—because it’s usually not beneficial. The business won’t receive a debt discharge, and filing for bankruptcy can increase other liabilities, such as a lawsuit to pierce the corporate veil.

A sole proprietor typically uses Chapter 7 after a business closure (but not always—more below). The benefit to the filer can be substantial because Chapter 7 will discharge (erase) both qualifying business and personal debts, thereby genuinely giving the debtor a fresh start. Unlike a Chapter 11 or 13 filing, Chapter 7 doesn’t require creditor repayment. And it’s fast, taking three to four months to complete.

The downside is that all business and personal property become part of the bankruptcy estate. But you won’t lose everything. Bankruptcy law allows you to keep “exempt” assets in Chapter 7, such as some equity in a home and car, household goods, a retirement account, clothing, and a small amount of the equipment needed in your profession. The Chapter 7 bankruptcy trustee sells assets that aren’t protected by an exemption and distributes the proceeds to creditors.

I often get calls from people who want to know if I can help them file bankruptcy for their business. After trying their best, for one reason or another their business plan just didn’t work out. Maybe they didn’t have enough capital. Maybe their household couldn’t survive on one income while the business got up and running. Whatever the reason, they want to know if the can declare bankruptcy to get out from under the debt for the business.

As a general rule, it’s fairly unusual for most small businesses to file bankruptcy. In most cases, the business’s debts far outweigh the business’s assets. If creditors were to try to collect the debt from the business, they wouldn’t get anything from the business. There just isn’t any practical reason for the business to file bankruptcy. The one reason a business might want to file bankruptcy is if it has a great deal of inventory or property that it needs to get rid of to satisfy its creditors. Some business owners will file bankruptcy in that case to let the bankruptcy trustee deal with the distribution of these things.

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Business After Bankruptcy – Getting the Help You Need to Rebuild After Bankruptcy

Bankruptcy can be a life changing decision that will impact your finances and your social life for many years to come. However, this does not mean you should remain defeatist and defendant once you have opted for bankruptcy. You should proceed and try to get back to ordinary business after bankruptcy.

Bankruptcy – Protect Yourself Today!

Every day we hear of troubled Individuals and families losing out on their savings and security. It is very unfortunate and scary to be in the shoes that experience these circumstances. It is only when persons are faced with losing it all that they run to find security and cover from a Bankruptcy Attorney.

Overcoming the Barriers of Bankruptcy

On occasion, bankruptcy is the only solution to severe financial problems. Regrettably, the process often imposes feelings of guilt and a sense of failure. If you have experienced bankruptcy, realize that there is hope of recovery and restoration.

Do Not File Bankruptcy! How to Eliminate Unsecured Debt by 60% and Prevent Bankruptcy

In these days of recession, getting financial stability is the dream of everyone. This is why most of the people trying to get rid of financial problems by filing bankruptcies and other ways. Bankruptcy is not a good option for you to remove your credit card debt so, don’t file bankruptcy.

The Pros and Cons of Bankruptcy

If your financial situation has gotten tough, filing for bankruptcy is one option to pull yourself from the brink of financial ruin. Particularly in today’s economic climate where too many people have lost jobs, lost homes and lost retirements, paying every day bills is a struggle.

Bankruptcy Fees – How Much Does Bankruptcy Cost?

Part of making the choice of attorney to represent you in bankruptcy is the cost of the attorney’s services. Price should not be the only consideration, however it is an important factor in selecting the right attorney. Bankruptcy is a complicated area of the law.

Legal Alternatives to Bankruptcy

Bankruptcy is the state of a person in which he or she is unable to pay back his debts which he owns to others or the bank directly. Many of the businesses fail to pay back their debts and hence they plan on to declare bankruptcy to save their ailing business, which is least desired by everyone.

Avoid Filing Bankruptcy – What is the Best Alternative to Filing Bankruptcy

You should certainly avoid bankruptcy when you have great debt relief options at your service. In fact, the best alternative to filing bankruptcy is debt settlement. As a matter of fact, debt settlement has become very popular among consumers and is an option which is taken regularly among them.

Declaring Bankruptcy – Cost and Important Considerations

A large number of people are going through financial difficulties in their lives — especially with the recent global Crisis throughout the world. There are a lot of individuals and corporations that undergoing buyouts and layoffs. Financially weird situations may sometimes take a bit of time to become better.

Tips on Successfully Filing Georgia Bankruptcy

Filing bankruptcy in Georgia can be a complex practice. How do you know if you are eligible for filing bankruptcy in Georgia? This guide educates you on how to successfully declare for Chapter 7 or Chapter 13 bankruptcy, specifically for Georgia residents.

Bankruptcy Automatic Stay

Automatic stay is a powerful protection device for consumers in the realm of bankruptcy. A bankruptcy automatic stay can be defined as temporarily evaluation that has been automatically placed once the bankruptcy petition has been filed by a company or individual.

Weighing Bankruptcy Consequences

The time when one is engulfed in debts is the worst time of life. There can be unpaid bills, late and high credit card fees piling up, outrageous interests of creditors and more.

Debt Relief Alternatives to Bankruptcy – Get Out of Debt and Prevent Bankruptcy

It has been observed over time that people tend to accept the process of bankruptcy as the only process to eliminate debt. You should know that there are processes like debt relief alternatives to bankruptcy.

Debt Settlements Vs Bankruptcy – Which Financial Debt Relief Option is Best For You?

Because of economic recession many people are kept in a debt spiral and they need to get out from it but if they believe that bankruptcy is the only way to remove their outstanding credit card bills then this is not correct. There is an alternative which is debt settlement, with debt settlement you can remove your arrears and it is a legitimate way to clear your dues.

Avoid Filing Bankruptcy – Tips in Finding the Legitimate Debt Settlement Services Online

Now-a-days financial freedom is the dream of everyone but removal of liabilities in these days of recession is not very easy. Most of people were unemployed and many lost their businesses because of recession. The people who have huge debts and can not pay to their creditors want to eliminate their arrears. This is why most of the people filing bankruptcies, but it is not a good practice to eliminate arrears and you should avoid filing bankruptcy. If you file bankruptcy then your credit score become lower and bankruptcy stays with your credit report for 10 years and also visible to everyone.

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Will Chapter 7 Bankruptcy Get Rid Of All My Debt? – Bankruptcy Questions Answered by Fisher-Sandler

Posted on April 21, 2021 by Michael Sandler

Will Chapter 7 Bankruptcy Get Rid Of All My Debt? Call (703) 967-3315 or visit https://fishersandlerlaw.com and ask us about our $0 Down Bankruptcy Program today.

Which Debts Are Discharged in Chapter 7 Bankruptcy?

1. credit card charges (including overdue and late fees)
2. collection agency accounts
3. medical bills
4. personal loans from friends, family, and employers
5. utility bills (past due amounts only)
6. dishonored checks (unless based on fraud)
7. student loans (only in the rare circumstance that you can prove undue hardship)
8. repossession deficiency balances
9. auto accident claims (except those involving drunk driving)
10. business debts
11. money owed under lease agreements (includes past due rent)
12. civil court judgments (unless based on fraud)
13. tax penalties and unpaid taxes past a certain number of years
14. attorney fees (except child support and alimony awards)
15. revolving charge accounts (except extended payment charges)
16. social security overpayments, and
17. veterans assistance loans and overpayments.

What Is a Discharge and How Does It Work?

A bankruptcy discharge releases individual debtors from personal liability for the debt and prevents the creditor owed that debt from taking any collection actions against the debtor. In other words, the debtor is no longer legally required to pay any discharged debts. Most Chapter 7 filers automatically receive a discharge about four months after filing the bankruptcy petition.

Chapter 7 Bankruptcy in Virginia

Filing for bankruptcy is a major life decision that can affect your financial and personal life for many years, and it’s important to understand what Chapter 7 can and cannot do for you. If you’re eligible, Chapter 7 bankruptcy can provide you with relief from most of your unsecured debts, and even your secured debts in certain cases.

Most Unsecured Debts Are Dischargeable in Chapter 7

Unsecured debt is an obligation that isn’t backed by collateral. For instance, if you didn’t agree that the creditor could take the property purchased on credit when you entered the credit contract, the debt is unsecured.

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Signs That You Might Be Bankrupt

Bankruptcy number shave increased in the last few years, largely due to spikes in unemployment and drops in property value. In 2009 more than one million Americans filed for bankruptcy as a means of recovering from their unmanageable debts. Filing for bankruptcy is unfairly stigmatized because of the capitalist notion that one ought to be able to “pull themselves up by their bootstraps;” however, this is not always an option. Bankruptcy is actually a great way of making your debt more manageable.

Are You Eligible For Georgia Chapter 13 Bankruptcy?

If you want to file bankruptcy in Georgia, your options vary depending on annual income. It also highlights the advantages of Chapter 13 over Chapter 7.

Recover From Bankruptcy In 3 Easy Steps

Although bankruptcy can be extremely stressful and hazardous to your financial health, there are ways for recovering fully and to enjoying full benefits of financial freedom. Bankruptcy is one of the most financially traumatizing episodes in a person’s financial life.

When You Cannot Avoid Bankruptcy

There comes a time in just about every ones life, that things just do not turn out the way you thought they would and you find yourself in deep financial trouble. For many people this is a hard thing to face, and if someone has a strong work ethic and values that tell them that you must always work hard in life and pay all your bills. There are people that are so stuck in this thinking that when the hard times come, they see no way out and it can seem like the end of the world to them. This is nothing to feel ashamed of or embarrassed about… You just might have to face the fact that you have hit a point when you cannot avoid bankruptcy.

What Can Bankruptcy Do For Me?

Different chapters are suitable for different needs, but bankruptcy, in essence, allows relief for debtors via the automatic stay on creditors’ actions following filing. The automatic stay ensures that any form of harassment that debtors can experience, including letters, phone calls as well as other requests for payments, must stop. Ultimately, if all the requirements of the court are fulfilled in the honest and open manner indicative of full disclosure, various types of discharge can be utilized which allows the debtor to take up their lives or businesses once again.

Don’t File Bankruptcy – What You Should Know Before Filling Bankruptcy

Don’t file bankruptcy’ there are certain points you need to consider before going for bankruptcy as your final option to get rid of debt problems. The after affects of filing bankruptcy are very adverse and you might feel like doing suicide after going for bankruptcy. Bankruptcy cannot be filed by any one. You need to have the proper knowledge and experience before filing it. There are other ways available and these ways are better to consider for solving debt problems. I have listed some points that support my statement; don’t file bankruptcy.

Avoid Bankruptcy – How to End Collection Calls With the Help of Debt Settlement Company

Once you are under a lot of liabilities you are always worried about paying it back. Both secured and unsecured payables have their own kinds of complications. However, loan takers pay their installments for secured payables more regularly as compared to unsecured ones.

Volatile Emotions Post Bankruptcy

There is a great deal of stigma associated with filing for bankruptcy in our society. In the United States, every time a company is reported as having filed for bankruptcy, there is a sense of ridicule that the company is dead because they had failed by mismanaging money. Most people are not aware of the fact that a company can fail for bankruptcy without completely shutting its doors.

What to Do After You Have Filed Bankruptcy

Depending upon the kind of bankruptcy you file, what you do after you have filed for bankruptcy will differ. If you have filed a Chapter 7 bankruptcy you will have either a portion of your debt discharged or all of your debt discharged.

Using Bankruptcy to Protect Your Assets

Bankruptcy lawyers are legal specialists who help both individuals and corporations with bankruptcy legal matters. Although it sometimes is negatively stigmatized, bankruptcy exists to protect individuals as well as businesses who have had the unexpected happen.

How the Insolvent Can Avoid Bankruptcy?

Bankruptcy can happen due to several reasons; it can be due to the laxity and carelessness of a firm; it can be the poor management skills in regards to money or cash; or, it can be the act of overlooking the legal duties. To avoid damage, one should be properly skilled in keeping all the duties. There is no business that allows you to be casual or informal; it demands your attention.

Distinguishing Secured From Unsecured Debt

As not all debts are created equal, debtors must be able to identify their secured versus unsecured debts in order to optimize their payments. The article explains the fundamental differences between secured and unsecured debts.

Why Bankruptcies Are on the Rise Again

New bankruptcy laws were enacted in October of 2005 and were supposed to put a halt to Americans filing for bankruptcy and absolving all of their debts. What they didn’t plan for was an economy that’s so bad right now, that declaring bankruptcy seems like the only way to not be completely overwhelmed by mounting debt.

How Many People Filed Bankruptcy in 2009? How Many Will File in 2010?

The number of bankruptcy filings in 2009 has a few clear reasons for being so high. But will those same reasons effect the number of bankruptcy filings predicted for 2010?

5 Major Causes of the Icelandic Financial Crisis

The collapse of three major banks in Iceland, due to difficulties in debt refinancing, ensured that the Icelandic economy slipped into a big hole; a hole they are finding it difficult to come out of. In this article, we look at the causes of the Icelandic financial crisis, in detail.

https://bklaw.attorney/will-chapter-7-bankruptcy-get-rid-of-all-my-debt-bankruptcy-questions-answered-by-fisher-sandler/

What Is a Uncontested Divorce? – Call (703) 967-3315 No-Fault Divorce Attorney in Virginia

Posted on April 2, 2021 by Michael Sandler

What Is a Uncontested Divorce? – Call (703) 967-3315 or visit https://fishersandlerlaw.com to schedule your FREE consultation.

When a couple divorces, there are usually a host of decisions that need to be made. These may relate to issues including asset and debt division, spousal support/alimony, child support, custody and visitation, and other matters. If a couple is able to come to an agreement about all the major issues before trial, that is called an uncontested divorce.

Do you and your spouse agree on how to resolve all of your divorce-related issues? If so, you can pursue an uncontested divorce, which is often the simplest kind.

What Is an Uncontested Divorce?

In an uncontested divorce, you and your spouse reach an agreement about all of the issues in your divorce, including:

1. How you will share custody, parenting time, and parenting responsibilities
2. Amount and duration of any child support
3. Amount and duration of any spousal support (alimony)
4. Division of all property, and
5. Division of all debt.

Once you’ve reached these agreements, you don’t have to go into court and argue. Instead, you file court forms and a “divorce settlement agreement” that details the agreements you’ve made about how you want to divide your property and debts, what your custody arrangements for your children will be, and whether support payments will change hands.

Your settlement, and your final divorce, will have to be approved by a judge, which shouldn’t be a problem. The judge will usually approve a settlement agreement unless it’s clear that the terms are completely unfair to one person or were arranged when one person was under duress. As soon as the required time period (set by state law) has elapsed, the divorce will be final.

Not every uncontested divorce is the same, and not every uncontested divorce runs smoothly. The process is simplest when a couple has no minor children and few assets, including no real property—such as homes or rental properties. It also works best if each spouse is self-supporting or clearly capable of easily becoming self-supporting. Some states have simplified procedures available for couples in this type of situation. Such procedures are strictly limited however, and are available only for marriages that were relatively brief, generally five years or less.

Source: https://cli.re/aAYbnM

In most US states, the difference between a contested divorce and an uncontested divorce is that in a contested divorce, one or both parties disagree about the terms of the divorce – whether about if the divorce itself should happen, division of assets, allocation of debts, alimony, child support or custody of children.

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4 Convenient Locations:

Fisher-Sandler, LLC
12801 Darby Brook Ct #201
Woodbridge, VA 22192
(703) 967-3315
MPGP+57 Woodbridge, Virginia
https://fishersandlerlaw.com
https://fishersandlerlaw.business.site
38.675756, -77.264134
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Fisher-Sandler, LLC – Fredericksburg, VA
1930 William Street
Fredericksburg, VA 22401
(540) 274-5566
7GW5+33 Fredericksburg, Virginia
38.2952, -77.49231
https://fishersandlerlaw.com/bankruptcy-attorney-fredericksburg-va/
https://fredricksburgbankruptcyattorney.business.site
https://g.page/FisherSandler-Fredericksburg

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Bankruptcy Questions Playlists:
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Are Debt Settlement Programs For Real? Can They Really Eliminate 50% of Your Unsecured Debt?

Debt settlement program is indeed a reality. This is just one of the many solutions that can reduce your debt up to 50%. Where there is a will, there is a way, if you want to get rid off debt, only you can help yourself by choosing the right solution in the right time. Debt settlement program is based on negotiation techniques and success depends on how well you carry out the negotiation right from the beginning of the program to the end of it.

Young Women Overtake Men in Bankruptcy Figures

Analysis of figures from the Insolvency Service by accountancy firm Wilkins Kennedy has revealed some interesting insights with a notable being that celebrity culture and easy credit are proving irresistible to many young women and they make up the majority of young people falling into bankruptcy. The report blamed irresponsible spending for the jump in insolvencies. The analysis of figures shows that 1,560 women under the age of 24 declared bankruptcy last year as compared to 1,250 men.

Restructuring Debt and Chapter 13 Bankruptcy

Prior to the Bankruptcy Reform Act of 1978 Chapter 13 bankruptcy did not exist. Along with a number of other vital changes to the bankruptcy law at the time such as forbidding employment discrimination for those who filed for bankruptcy, the Reform Act of 1978 created a type of bankruptcy with a bent towards reforming and repaying as opposed to just absolving debt.

What Bankruptcy Will Not Do

While bankruptcy can provide alleviation for debtors from the activity of creditors, eliminate some consumer debts or can lead to the development of a repayment plan for those debts that will have to be settled, eventually leading to a discharge, there are some things bankruptcy cannot do. Bankruptcy will not protect the debtor from creditor’s claims if not disclosed with the bankruptcy court when paperwork is filed.

Advantages of Filing For Bankruptcy

Be it because of divorce, loss of income, overwhelming medical bills or crushing credit card debt more and more people are turning to bankruptcy as their refuge from harassing phone calls, letters from creditors and the stress of crawling from beneath a mountain of debt. You probably don’t know this but bankruptcy dates back to Biblical times as a moral solution for debtors and a requirement for creditors in early Judaic history and it is a Constitutional right of all U.S.

After Bankruptcy – Got a Bill? Don’t Panic!

After bankruptcy, your life is supposed to get easier. No more bills, no phone calls, no contact whatsoever.

Bankruptcy Laws Protect Your Child’s Identity

When filing for bankruptcy, one of the documents that must be completed is your statement of monthly income (commonly called Schedule I). This document not only discusses how much money you make each month, but also speaks to your marital status and the number and ages of your dependent children.

Filing For Bankruptcy? Keep Your Loved Ones Healthy

Filing for bankruptcy involves looking at your income, expenses and property – not only the real estate, but the stuff you own. Home furnishings, stocks and bonds, bank accounts – everything you own is up for scrutiny by the bankruptcy trustee.

How Bankruptcy Mailing Lists Benefit Niche Businesses

You may be under the impression that vendors would have no interest for people who are bankrupt. It is rather logical to think that people who have very limited money or even zero money for spending would not attract businesses offering non-essentials. Why then are there bankruptcy mailing lists?

Bank Account After Bankruptcy Helps to Build Up Your Savings

Bankruptcy can be embarrassing but need not necessarily mean that you can not rebuild your financial credibility. As a standard procedure, your bank accounts will be closed once you declare bankruptcy, but you can start once again with fresh bank accounts, once the bankruptcy period has been discharged.

Don’t File Bankruptcy! – How New Bankruptcy Laws Have Made Debt Relief Options Attractive

Debt relief via debt settlement is becoming more attractive than bankruptcy in these troubled financial times. New bankruptcy laws – Chapter 7 and Chapter 13 – now require credit counseling before filing.

Credit Card Debt Bankruptcy – There Are Better Debt Relief Solutions Than Bankruptcy

A debt relief solution that isn’t bankruptcy might be something worthwhile in the overall scheme of financial options. If you’re over the top in credit card debt, there is a better debt relief solution than having to declare bankruptcy. Bankruptcy will only bring you trouble in the long term.

Bankruptcy, It Might Just Be About Time

Bankruptcy… the word can strike fear in the heart of many people, but this step in your life doesn’t need to be as stressful as you might think. There arrives a period in almost every ones lifetime, that things just do not turn out how you believed they would and you are in deep financial trouble.

Bankruptcy Alternatives – A Legitimate Way to Eliminate Unsecured Debts by 50%

These days everyone is looking for bankruptcy alternatives. The reason is simply that bankruptcy is not the right solution for solving financial problems. As a matter of fact, it only adds to the existing problems instead of resolving them. Finding the right bankruptcy alternatives that suit you is therefore important for you to get out of a tight debt situation in a legitimate manner.

Bankruptcy As it Relates to Foreclosure and Short Sales and Tax Consequences

What happens when my house goes into foreclosure, or I short sale my home, and then the IRS sends me a 1099 at the end of the year? This is a common question that is asked of attorney’s and accountants often. The IRS has given us a way to get around this common problem. Read this article for more information!

https://bklaw.attorney/what-is-a-uncontested-divorce-call-703-967-3315-no-fault-divorce-attorney-in-virginia/

Uncontested Divorce Process in Virginia – Call (703) 967-3315 No Fault Divorce Attorney – Woodbridge

Posted on April 2, 2021 by Michael Sandler

Uncontested Divorce Process in Virginia Call (703) 967-3315 or visit https://fishersandlerlaw.com to schedule your FREE consultation.

Do you and your spouse agree on how to resolve all of your divorce-related issues? If so, you can pursue an uncontested divorce, which is often the simplest kind.

What Is an Uncontested Divorce?

In an uncontested divorce, you and your spouse reach an agreement about all of the issues in your divorce, including:

Source: https://cli.re/aAYbnM

On the other hand, in an uncontested divorce, the spouses agree on all the material terms of the divorce and do not need the court to divide assets or make determinations for them about spousal or child support or custody.

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4 Convenient Locations:

Fisher-Sandler, LLC
12801 Darby Brook Ct #201
Woodbridge, VA 22192
(703) 967-3315
MPGP+57 Woodbridge, Virginia
https://fishersandlerlaw.com
https://fishersandlerlaw.business.site
38.675756, -77.264134
https://www.google.com/maps?cid=12920454483169664259
https://g.page/r/CQNd7p3lrE6zEBA
https://live.vcita.com/site/michaelsandler

Fisher-Sandler, LLC – Fredericksburg, VA
1930 William Street
Fredericksburg, VA 22401
(540) 274-5566
7GW5+33 Fredericksburg, Virginia
38.2952, -77.49231
https://fishersandlerlaw.com/bankruptcy-attorney-fredericksburg-va/
https://fredricksburgbankruptcyattorney.business.site
https://g.page/FisherSandler-Fredericksburg

Bankruptcy Questions Playlists:
https://cli.re/QkEzJQ
https://cli.re/KaYmkr
https://youtu.be/zpFIIprYKKc

What to Do When Filing For Bankruptcy is the Only Option

Many people fall on hard times through no real fault of their own. There could be many reasons for a sudden, sharp drop in income. Loss of a job due to your employer going out of business, sickness or injury preventing you from working (particularly touch if you are self-employed), or any one of a thousand other reasons could cause your income to suddenly fall.

New Bankruptcy Laws – Why Debt Settlements Are Replacing Bankruptcy

The high percentage of bankruptcy, which was due to debts in the earlier years, caused many sufferers to the economic institutions. This is not only a loss for the economic institutions, but also a loss for the entire country, because banks and economic companies are part of country’s economy. To avoid insolvency, governments introduced the debt settlement programs, which were not only advantageous for the financial system of our nation, but also for the customers.

Bankruptcy and Debt Settlement – The Differences Between Bankruptcy and Debt Settlement

Bankruptcy and debt settlement are the two most popular debt relief methods of the time. Even though the both methods are presented to be popular there are apparent differences between them. Bankruptcy is not a recommended method when compared with debt settlement. Debt settlement has more merits than bankruptcy.

Debt Relief Without Bankruptcy – Why Bankruptcy Should Be Avoided at All Costs

Many people look at debt in a very linear way. They think that the only way out of debt is bankruptcy. This isn’t true. There is debt relief without bankruptcy.

Chapter 13 Bankruptcy Requirements

If you have find yourself in a financial crunch, and you are deciding to opt out by filing for Chapter 13 bankruptcy, there are several steps you must take to have your application reviewed and accepted by the US Bankruptcy court. Failure to meet any of the following requirements may result in a cancelled or denied bankruptcy application.

Can Creditors Force You to File For Bankruptcy?

Filing for bankruptcy is usually something we think of as a voluntary act in New York. Go to a lawyer, provide documents and complete the process. But in very rare cases, creditors may band together and force you to file for bankruptcy.

11 New York Bankruptcy Exemptions You Need to Know

Bankruptcy exemptions for New York cases are governed by state law rather than by the U.S. Bankruptcy Code. Under Section 522 of the U.S. Bankruptcy Code, a consumer domiciled in New York can exempt only personal and real property exempt under Section 5205 and Section 5206 of the New York CPLR, Section 3212 of the New York Insurance Law, and under New York Debtor Creditor and Law Section 282.

Some Common Myths Regarding Bankruptcy

What leads to a complete financial catastrophe? Most of us blame it on a overspending. Yet, let us face it.

Filing Bankruptcy Because of a Deceased Relative’s Debts

In New York, debts are contractual in nature. That means I am responsible for my own debts, as well as those that I have agreed to be responsible for. If I don’t agree to be held liable for a debt, I cannot be forced to pay for it.

Avoid Bankruptcy and Eliminate Debts – How New Laws Have Made Debt Settlement a Viable Option

Bankruptcy was the only solution for people who found themselves in debt in the past. However, because most people filled for bankruptcy instead of paying their debt, the economy went in recession. The government came up with new laws to prevent that from happening in the future. Nowadays, people who want to file for bankruptcy have to go through a more difficult process than before. There’s more paperwork, more stress, and a much lower credit score. In fact, if you file for bankruptcy you won’t be able to get a loan for a few years.

Avoid Bankruptcy! – Why Debt Settlement is More Advantageous Than Filing For Bankruptcy

There is a place where credit scores are dropped to the bottom of the barrel in the blink of an eye and the drop of a gavel. Credit scores don’t stay down there for a little while; they stay down there for years! Sure, bankruptcy court is a way out from under crushing credit card debts but do the benefits outweigh the consequences? That is what one should ask their selves before jumping into bankruptcy court.

Credit Card Debt Bankruptcy – What Are Better Options Than Filing Bankruptcy?

We all know that recession is there to stay for a long time. It has created some very hard to combat problems like unemployment and inflation. This is the first time that so many people have lost stable employments without proper notifications. A more worrying factor is that most people have not paid their dues and they cannot afford to do so. If you have a credit card bill which touches a minimum of ten thousand dollars, you can use relief options.

The First Step in Personal Bankruptcy – Eligibility Requirements

Are you eligible to file bankruptcy in Texas court? This guide gives the goods on eligibility, choices, and advantages for personal bankruptcy.

Alternatives to Chapter 7 Personal Bankruptcy

Many think either bankruptcy will ruin their credit or that it’s the only option to stop creditor harassment. This guide points out other options beyond filing, especially Chapter 7.

A Few Reasons Bankruptcy May Not Be the End of the World

When you are in debt, every part of your life is affected. You may be staying in debt because you think finding a solution, like bankruptcy, is the end of the world.

https://bklaw.attorney/uncontested-divorce-process-in-virginia-call-703-967-3315-no-fault-divorce-attorney-woodbridge/

Will I Lose My Car If I File Bankruptcy? – Bankruptcy Questions Answered by Fisher-Sandler

Posted on April 1, 2021 by Michael Sandler

Will I Lose My Car If I File Bankruptcy? Call (703) 967-3315 or visit https://fishersandlerlaw.com and ask us about our $0 Down Bankruptcy Program today.

What Happens to Your Car in Chapter 7 Bankruptcy?

Each state allows bankruptcy filers to keep certain types of property up to a certain dollar limit. Almost all states provide some type of motor vehicle exemption. Many people worry that they’ll lose everything if they file for Chapter 7 bankruptcy, but it’s not the case. Exemption laws allow you to “exempt,” or protect property in bankruptcy, including a modest car (truck, motorcycle, or van).

Most people can keep their car and get debt relief by filing bankruptcy. Of course, if you need a fresh start but you need your car just as much, you probably wonder about how this works in Chapter 7 bankruptcy.

If you own your car free and clear, the next question you have to answer is “how much is my car worth?” The answer – the car’s fair market value – determines whether you risk losing the car in a bankruptcy.

Filing a bankruptcy case is meant to give you a fresh start. Bankruptcy exemptions exist to make sure everyone filing a bankruptcy case can keep their most basic possessions. Depending on the state you’re filing in, and how long you’ve been there, you may be able to choose between the federal bankruptcy exemptions and the exemptions granted by your state law.

When you file bankruptcy, you won’t be left destitute. Each state decides which property its residents can safeguard with bankruptcy exemptions. The state’s exemption list will cover key assets that you’ll need to maintain a home and job, such as clothing, household goods, electronics, work tools, retirement accounts, and, in most cases, some equity in a homestead and equity in a vehicle.

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#bankruptcy
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4 Convenient Locations:

Fisher-Sandler, LLC
12801 Darby Brook Ct #201
Woodbridge, VA 22192
(703) 967-3315
MPGP+57 Woodbridge, Virginia
https://fishersandlerlaw.com
https://fishersandlerlaw.business.site
38.675756, -77.264134
https://www.google.com/maps?cid=12920454483169664259
https://g.page/r/CQNd7p3lrE6zEBA
https://live.vcita.com/site/michaelsandler

Fisher-Sandler, LLC – Fredericksburg, VA
1930 William Street
Fredericksburg, VA 22401
(540) 274-5566
7GW5+33 Fredericksburg, Virginia
38.2952, -77.49231
https://fishersandlerlaw.com/bankruptcy-attorney-fredericksburg-va/
https://fredricksburgbankruptcyattorney.business.site
https://g.page/FisherSandler-Fredericksburg

Bankruptcy Questions Playlists:
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https://cli.re/KaYmkr
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Chapter 7 Bankruptcy – The Only Legal Way to Eliminate Debt and Put a Stop to Harassing Creditors

So you are reading this because you are getting nasty, harassing phone calls from creditors all day long, correct? Listen, if you are amongst the millions of Americans who are up to your eye balls on credit card debt, what you need to do before anything else is realize that there are laws to protect you and your family from banks, credit card companies and debt collectors. Look, a clear sign that it’s time to go speak with a bankruptcy lawyer is when you are unable to pay for your credit card debt or when you start paying bills…

Declare Bankruptcy – The Steps Involved in Filing For Bankruptcy

If you are someone desperately searching for information related to declare bankruptcy, then this article has all the details on the procedure that will be useful to you. Bankruptcy filing process, all said and done is a fairly complex process and needs you to do some research. Since there is a whole lot of paperwork involved, it is always recommended that you do your homework well.

The Truth About Bankruptcy

With today’s difficult times, many are suffering from financial difficulties. In fact, some people barely get by with their daily needs. Moreover, there are a lot of people who are in dire need, yet there are no possible means to address the needs. Practically nobody is exempted from the global economic crisis that the world is experiencing nowadays.

How Consumers and Businesses May Avoid Bankruptcy

Times are tough-in 2009 alone Michigan consumers filed 67,265 bankruptcies. While Chapter 7 bankruptcy offers a fresh start and Chapter 13 provides a way to repay your debts, every bankruptcy affects your credit standing and your future ability to obtain credit.

Legitimate Alternatives to Bankruptcy – Why Debt Settlement Has Surpassed Bankruptcy Filings

I still remember my friend calling me last night; he was very tense and was mentally and emotionally disturbed. He was complaining that he has a lot of debt on his head and he has no money to pay back his loans. He told me that he was thinking of filing for bankruptcy but he did not want his credit rating to go down.

Bankruptcy – The Long Lasting Effects to Consider

Find out some effects of bankruptcy that you may not have considered. Some important points are raised for you to think about before using this option.

Chapter 7 Bankruptcy – Will it Ruin My Life Forever? Find the Truth About Filing Bankruptcy

Each and every year, many Americans are faced with very tough financial decisions that will have an impact in their life’s for many years. One of these decisions comes at the end of the line when dealing with maxed out credit cards and the inability to pay the balances. You see, each year unexpected events such as divorce, being terminated from a job or a medical emergency destroy people’s financial security.

File For Bankruptcy – A Chapter 7 Will Get You Back on Your Feet and Keep Nasty Creditors at Bay

I am assuming that you are reading this because you have reached the end of the road regarding your financial situation and you simply don’t know what to do anymore, correct? Let me tell you something: you are not alone. With the economy still on a downward spiral, a lot of people are facing tough choices like file for bankruptcy or find an agreement with creditors.

Avoid Filling Bankruptcy – How to Avoid Filing Bankruptcy With Legitimate Debt Relief Options

Why are so many people filing an application for bankruptcy? What advantages are they getting out of it? Why do you need to avoid filing bankruptcy? In financial terms, bankruptcy is the worst condition for a loan taker or loan giving company. This is when you don’t have any money left and you cannot complete your existing transactions.

Bankruptcy Petition Preparers – An Introduction

Bankruptcy petition preparers are in high demand these days, as many New York consumers find themselves out of work and in need of debt relief. With a high unemployment rate in New York and few new jobs, lots of people are dealing with limited resources.

Determining When to Declare Bankruptcy

Many individuals face both money and marital problems. Often, these problems culminate in a divorce, which many couples see as the only way out of their problems. This, of course, is not always the case. In fact, getting a divorce may further complicate finances for one or both of the spouses.

5 Places to Find Bankruptcy Information

Bankruptcy information in New York should be easy to come by. Where do you find reliable information? Learn the top 5 places here.

Bankruptcy Debt – Not a Fresh Start

The aim of bankruptcy is to provide a consumer with a fresh financial start. It should relieve them of overwhelming debt and let them start over.

Bankruptcy Laws – Solving Most of Your Problems

UK Government has formulated bankruptcy laws to the people who have taken debts but are not able to resolve the debts in stipulated time, or file petitions in the court during inability to pay off the debts. In simple words bankruptcy is a legal way of declaration of inability to pay debts taken by a debtor.

Bankruptcy As a Fresh Start!

Basically, when you owe money, you are a debtor, and persons or companies who you owe the money, are Main creditors. The legal process that can protect debtors from their creditors is commonly known as bankruptcy. But bankruptcy, is not for everyone in debt, can be useful, depending on particular circumstances.

https://bklaw.attorney/will-i-lose-my-car-if-i-file-bankruptcy-bankruptcy-questions-answered-by-fisher-sandler/

No Money Down Chapter 7 Bankruptcy

Posted on April 1, 2021 by Michael Sandler

No Money Down Chapter 7 Bankruptcy in Virginia

No Money Down Chapter 7 Bankruptcy – Call (703) 494-3323 https://fishersandlerlaw.com/zero-down-chapter-7-bankruptcy/

You are considering filing for bankruptcy because you’ve come to the decision that it’s time to get a fresh start. Perhaps you are being sued or garnished. Maybe a creditor is about to take your house or car. You are starting to do research and are finding that bankruptcy is a great option to get rid of that debt.

But here’s the problem, the attorneys you call want to be paid for everything in advance. And “everything” usually means between $1,500 – $4,000. Where are you supposed to come up with that money, particularly if you are already being garnished? Chances are if you had a lot of extra money you wouldn’t need to file bankruptcy in the first place.

The reason bankruptcy attorneys need to collect all the money upfront is because there is a problem with the laws that govern how we are paid. You see, when you file bankruptcy, all of those credit card bills, medical bills, and most other bills are going to be discharged – whatever you owe as of the minute you file your case. The problem is that if you owe your attorney money, whatever the balance is will be discharged as well. That means that the attorney technically can’t even send you a bill – because you don’t owe the money. And that’s why they need to collect their fees upfront.

No Money Down Chapter 7 Bankruptcy in Virginia

Here is how Fisher-Sandler, LLC is different. We allow you to enter into two separate retainer agreements with us. Under the first retainer (contract), we will do an “emergency filing” and file your bankruptcy case for free. We can typically do that in less than an hour. After the emergency filing, there is still 90% of the work that needs to be done – filing the other 50 pages of forms, stopping lawsuits and garnishments against you, getting the trustee documents that he will need, prepare you for the meeting with the trustee, and attend that with you. So after we do your emergency filing, you have three options on who will do all of that additional work: 1) you can represent yourself; 2) you can hire another attorney; or, 3) you can hire us.

After meeting with us and beginning to work with us, we think you will choose option three. At that point, we can make a payment plan that suits your finances – such as paying $125/month for the next year.

No Money Down Chapter 7 Bankruptcy in Virginia

Why doesn’t anyone else do this? This is something new around the country and we are the first firm in Northern Virginia to offer it. It also might be that other attorneys simply want to be paid everything upfront before they do the work. We don’t mind waiting to be paid – we think you are good for it.

There are income requirements to qualify for this program. You need to be making at least $2,000/month from some source (job, pension, social security, etc.), or if you don’t, you essentially need a co-signor who makes $3,000/month.

This program is one of the many things that makes Fisher-Sandler stand apart from other law firms in Northern Virginia. Call or email us to make an appointment today, and let’s start you down the road to financial freedom.

Fisher-Sandler, LLC
12801 Darby Brook Ct #201
Woodbridge, VA 22192
(703) 967-3315
MPGP+78 Occoquan,VA
https://fishersandlerlaw.com
https://fishersandlerlaw.business.site
38.675756, -77.264134
https://www.facebook.com/WoodbridgeBankruptcyAttorney/
https://www.google.com/maps?cid=12920454483169664259
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Fisher–Sandler, LLC
3977 Chain Bridge Rd #2
Fairfax, VA 22030
(703) 691-1642
RMWV+PG Fairfax, Virginia
https://fishersandlerlaw.com
https://fairfaxbankruptcyattorneys.business.site
38.84677, -77.30617
https://www.google.com/maps?cid=7547986241946580548
https://www.google.com/search?q=fisher+sandler+llc+fairfax&kponly=&gmid=/g/1tftxvf5
https://www.facebook.com/FairfaxBankruptcyAttorneys/

Fisher-Sandler, LLC – Richmond, VA
8002 Discovery Drive, Ste. 422
Richmond, VA 23229
(804) 664-3643
JF34+P3 Richmond, Virginia
https://fishersandlerlaw.com/bankruptcy-attorney-richmond-va/
https://richmondbankruptcyattorney.business.site
37.60428, -77.54483
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https://www.google.com/search?q=fisher+sandler+richmond&kponly=&gmid=/g/11h594j5g3

Fisher-Sandler, LLC – Fredericksburg, VA
1930 William Street
Fredericksburg, VA 22401
(540) 274-5566
7GW5+33 Fredericksburg, Virginia
38.2952, -77.49231
https://fishersandlerlaw.com/bankruptcy-attorney-fredericksburg-va/
https://fredricksburgbankruptcyattorney.business.site
https://www.facebook.com/FisherSandlerLLCFredericksburgVA/
https://www.google.com/maps?cid=13523834761910721428

Fisher-Sandler, LLC
400 Holiday Court Suite 104
Warrenton, VA 20186
(703) 967-3315
P6C8+FP Warrenton, Center, VA
https://fishersandlerlaw.com
https://warrentonbankruptcyattorney.business.site
38.72124, -77.78315
https://www.google.com/maps?cid=5401942185859719886

https://bklaw.attorney/no-money-down-chapter-7-bankruptcy-in-virginia/

What Is The Virginia Homestead Exemption?

Posted on April 1, 2021 by Michael Sandler

What Is The Virginia Homestead Exemption?

https://fishersandlerlaw.com/virginia-bankruptcy-faqs/what-is-the-virginia-homestead-exemption/ Call (703) 494-3323 or (703) 691-1642 Fisher-Sandler, LLC

What is the Virginia homestead exemption? The Virginia homestead exemption is a right granted under the Virginia law and can be found in 34- 4 of the Virginia Code Annotated. The exemption provides for $5,000 of protection per person on any asset the person chooses – such as money in bank or tax refunds. In addition, you get another $500 of protection for each dependent 18 or younger. If the filer is over 65 the exemption jumps up to $10,000, and disabled veterans get another $10,000 on top of that.

What Is The Virginia Homestead Exemption?

Virginia code 34-4 was updated on July 1, 2020, to also include a $25,000 home equity exemption for your principal residence in Virginia if the property is in the filer’s name. If filing jointly with your Spouse this jumps to $50,000 of home equity exemption for your principal residence in Virginia if the house is in both names.

Exemptions are used to protect assets from creditors. So if a creditor slaps a garnishment on your bank account, you can protect that money up to the amount available under the homestead exemption from being turned over to the creditor.

Who can use the Virginia Homestead Exemption?

You need to be able to claim Virginia exemptions, which typically means being a resident of the state for at least two years prior to filing your bankruptcy case. If you haven’t been in Virginia for two years, your will need to use your prior state of residence, or perhaps federal exemptions.

What Is The Virginia Homestead Exemption?

For more information on the Virginia Homestead Exemption and other related bankruptcy matters contact Fisher-Sandler for your FREE consultation. We offer phone, in-office and virtual online consultations (you choose). During your consultation, we can answer any questions or concerns you may have when considering filing for bankruptcy in Virginia. After our meeting you will leave with a strategy on how to get the fresh start you deserve. Stop those harassing phone calls and letters today, call Fisher-Sandler “Home Of The $0 Down Bankruptcy” at (703) 967-3315 or (703) 691-1642.

Locations:

Fisher-Sandler, LLC
12801 Darby Brook Ct #201
Woodbridge, VA 22192
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Fisher–Sandler, LLC
3977 Chain Bridge Rd #2
Fairfax, VA 22030
(703) 691-1642
RMWV+PG Fairfax, Virginia
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Fisher-Sandler, LLC – Fredericksburg, VA
1930 William Street
Fredericksburg, VA 22401
(540) 274-5566
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What to expect when you file a Chapter 7 bankruptcy

Posted on April 1, 2021 by Michael Sandler

Bankruptcy Counseling – Get Help to Stop Your Creditors From Harassing You at All Times

Since you are reading this, I am going to assume that you are pretty desperate because you are up to your eye balls in credit card debt. You are most likely getting threatening calls and letters each day from each and everyone of your cards that are way overdue and you simply don’t know what to do. Let me tell you what you do: don’t ignore this!

What to Do When You Can’t Pay Your Credit Cards Anymore – Learn How Bankruptcy Help Works For You

Whether you went and bought a lot of shiny new toys like a flat screen TV or a bunch of video games, or you used your credit card to pay for your daily expenses when you were out of a job doesn’t really matter. What matters is that now you can’t pay your credit cards anymore because your cash flow is very limited and your cards are maxed out and you can’t use them anymore.

Filing For Bankruptcy – No, You Are Not a Deadbeat For Filing Bankruptcy Chapter 7

A deadbeat is a person who willingly and knowingly avoids total responsibility towards paying back his or her debts. Those who have fallen behind on their debts due to a divorce, a medical emergency or a loss of income due to being fired do not qualify as deadbeats and shouldn’t be treated like one.

Can I File For Multiple Bankruptcies?

America’s current economic recession spike in unemployment and housing market crash has made it difficult for many people to stay on top of their finances. If your credit cards are multiplying and “What I Owe” statements litter your dining room table, you may be in danger of bankruptcy. While many people consider bankruptcy a defeat of sorts, it can actually be a means of freeing yourself from the confines of heavy debt.

Don’t File Bankruptcy – What Everyone Should Know Before Filling Bankruptcy

Most people have a fantasy that the easiest and the best way to get out of debt trouble are filing bankruptcy. These people are not fully aware about this industry and all they know is that there is no other way out other than filing bankruptcy. They think all their major problems will go flushing down the toilet drain if they go for it. When you go for this option your troubles start to mount up instead of getting away from you.

Important Bankruptcy Facts to Keep in Mind

People in general are not predisposed to declaring insolvency as an option when it comes to money. There is a stigma attached to insolvency that efforts are being made to educate people about the actual facts.

Trust Deeds – The Scottish IVA Solution

Staying out of bankruptcy can be tough, especially in troubled economies. Countries all over the world try to do what they can for consumers. The UK prefers Individual Voluntary Arrangements (or IVAs). Scotland operates on a similar level with something called a protected deed of trust. Trust deeds transfer real property from one owner to a trustee, who then deals with creditors directly.

About IVA’s Alternative to Bankruptcy

UK debt management has often worked on one guiding principle: do whatever you can to stay out of bankruptcy. While that may be a terse and somewhat shallow remedy for financial crisis, it is also a good piece of advice. The way many parties have chosen to go about avoiding bankruptcy is through an individual voluntary agreement (IVA).

Moving on After Bankruptcy

Tips on staying positive after filing for bankruptcy. How to get on with life and fix your credit.

Bankruptcy Filing Tips

Filing for bankruptcy can be one of the hardest decisions that a person may be forced to make in a lifetime. There are many different variables that one must consider before deciding which type of bankruptcy will be the right one for their given situation.

Considering Bankruptcy? – Learn the Pros and Cons of Eliminating Your Debt Through Bankruptcy

Are you a person whose debt spiraled out of control due to a medical emergency, a death in the family, loss of income or divorce? Are you buried in debt because your salary doesn’t cover all your daily living expenses? Did your financial situation changed recently forcing you into falling behind on your credit card debt?

Chapter 7 Bankruptcy – A Legal Solution to Wipe Off Your Debts and Keep Nasty Creditors Away

For many people, the simple sound of the word “bankruptcy” makes them cringe with horror and disgust. But for others, it is the only way out from a bottomless pit of despair and anguish over their ever spiraling debt. Each year thousands of people are pushed to the edge of financial disaster because of the unexpected such as a divorce, a medical emergency, a dead in the family or simply losing their jobs.

Debt Settlement and Bankruptcy – Why Debt Settlement Filings Will Be More Prevalent Than Bankruptcy

When you have more than one solution available to a problem, what do you do? You have to compare both the options so that the better one can be identified. How are debt settlement and bankruptcy related to each other?

Legally Get Rid of All Your Debt When You Can’t Pay Anymore – The Pros & Cons of Filling Bankruptcy

Each year, millions of Americans are faced with extremely tough financial decisions. Hard working Americans who have to go through a divorce, a sudden loss of income or have to deal with a medical emergency are pushed into bankruptcy when they simply can’t afford to pay their credit card balances each month as well as paying for living expenses.

Bankruptcy Lawyer – Get Help Filing For Chapter 7 When You Can’t Pay Your Debt

So you are maxed out on your credit cards and you simply can’t make ends meet anymore, let alone make the minimum monthly payments anymore, right? It really doesn’t matter if you are unable to pay because of a medical emergency, a divorce or because you simply don’t have any discipline spending your money.

https://bklaw.attorney/what-to-expect-when-you-file-a-chapter-7-bankruptcy/

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