Personal Bankruptcy
Seeking
personal bankruptcy or what is called Chapter 7 “liquidation” can help you regain control of your finances and your well being. Debt relief through liquidation can be completed in a matter of just a few weeks, which means that we can help get you on the way to re-painting your financial picture efficiently.
Call 888-996-5382 now for personal bankruptcy assistance
Your second chance at financial fitness can be just a phone call away!
Facing personal bankruptcy can feel like a disruption to your entire way of life. The endless calls from debt collectors and final notices arriving in the mail can leave you feeling isolated and living a life of quiet despair. The continuous harassment combined with the thought that you may be about to lose everything you’ve worked so hard to achieve can be overwhelming and upsetting. But don’t let your pride keep you locked in a state of economic crisis. More than 1.5 million Americans will petition the courts for debt relief this year. You are not alone, and our experienced bankruptcy law firm is here to help get you out from under your debt.
Petitioning for personal bankruptcy will make you eligible for an “Automatic Stay,” which is a court order that prevents debt collectors and creditors from making direct contact with you, once your filing for debt relief has been accepted. An Automatic Stay* will:
- Stop collections calls and other forms of harassment
- Stop foreclosures
- Stop actions of repossession
- Stop a variety of lawsuits
- Stop the garnishing of your wages
It is important to be aware, however, that there are certain debts that cannot be eliminated by filing for personal bankruptcy. Some of the exceptions – or non-dischargeable debts – are:
- Tax debts
- Loans or credit lines acquired through fraud
- Debts not listed for discharge consideration
- Alimony, child support and/or other financial obligations associated with divorce or separation
- Debts acquired due to liability of negligence as established in a civil court proceeding
- Student loans guaranteed by a federal institution
- Certain fines and/or restitution
- associated with crimes
The following are some of the financial documents that you will need to provide in order to file your petition for debt relief:
- Pay stubs and payroll information
- Bank statements
- Tax returns along with the W2’s and 1099’s used to prepare them
- The addresses of any real properties in which there is an interest held
- Copies of the titles of any vehicles held by the petitioner
- A comprehensive list of the necessary documentation will be provided by your debt relief attorney
Addressing personal bankruptcy head on is the best approach. Finance charges and past due penalties only add up and become larger amounts of debt to confront in the end.
Call our firm now for a review of your personal bankruptcy case: 888-996-5382
Put a stop to collections calls and final notices!
We provide representation for individuals seeking personal bankruptcy in Fairfax, Richmond, VA; Washington DC; as well as in Manassas, Woodbridge, Sterling, Gainesville, Chantilly, Springfield and Centreville, VA. No law firm or attorney can make you any promises pertaining to your debt relief. However, we can provide you with a list of the financial evidence that you will need along with an evaluation of your case in order to comply with the Bankruptcy Code, the Local Rules of Bankruptcy Procedures and/or requests made by U.S. Trustees.
*Your personal bankruptcy counsel will explain in detail that while most of your creditors will be required to halt their collection efforts, some of your debt will not fall under the Automatic Stay.