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chapter 7 bankruptcy Archives

Re-establishing credit after Chapter 7 bankruptcy

People in Virginia who find themselves facing severe financial challenges may end up deciding that filing for bankruptcy is the best way to get out from under their mound of debt. Once this decision has been made, there will be steps to complete the Chapter 7 process but it is also important to focus on how to move forward after the bankruptcy is complete since a better future is ultimately what a bankruptcy can provide for people.

Why were you disqualified for Chapter 7 bankruptcy?

If you filed for Chapter 7 bankruptcy in Virginia and the bankruptcy court converted your case to a Chapter 13 or dismissed it altogether, you may be wondering why. What caused you to become ineligible for liquidation bankruptcy? According to FindLaw, there are several seasons that the bankruptcy courts may have converted or dismissed your case.  

What are the main differences between Chapter 7 and Chapter 13?

When you decide to file bankruptcy in Virginia, one of the first choices you have to make is whether to file Chapter 7 or 13. These offer some similar benefits, but they are quite different in how they reach the resolution. It is essential to understand the options, so you can make a proper decision on which type of bankruptcy to file.

Can a debt collector harass me?

One of the biggest reasons why people end up filing for bankruptcy in Virginia is because their debts have become so complex that they are being constantly hounded by debt collectors. Once you file your petition, debt collectors must stop contacting you. However, did you know that you have rights when it comes to debt collection even if you have not filed bankruptcy?

Determining Chapter 7 eligibility with the bankruptcy means test

If you count yourself among the many people across Virginia who are dealing with overwhelming debt and considering filing for bankruptcy, you may have heard the terms “Chapter 7” and “Chapter 13” thrown around. You may not know exactly how they differ, though, or whether you are eligible to file for bankruptcy through either method. At Ferriswinder, PLLC, we understand how the bankruptcy means test determines Chapter 7 eligibility, and we have helped many clients find bankruptcy solutions that meet their specific needs.

How income affects a person's eligibility for bankruptcy

People in Virginia who are drowning in debt may have a number of options, depending on their situation. However, if every bill comes with stress over how it can be paid, if collection agencies are calling daily requesting payment or if wages are being garnished, the fastest and most effective route to relief may be Chapter 7 bankruptcy.

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