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Chesapeake General District Court
307 Albemarle Drive Civic Center
Chesapeake, Virginia 23322-5571
Virginia Beach General District Court:
2425 Nimmo Parkway
Virginia Beach, Virginia 23456-9057 ...
Portsmouth General District Court:
PO Box 129
711 Crawford Street Portsmouth, Virginia 23705
Norfolk General District Court:
100 St. Paul's Boulevard
Norfolk, Virginia 23510
Suffolk General District Court:
PO Box 1648
150 North Main Street Suffolk, Virginia 23439
Chesapeake Circuit Court:
(1 st judicial district of Virginia)307 Albemarle Drive Civic Center Chesapeake, Virginia 23322
Virginia Beach Circuit court:
(2nd judicial district of Virginia 2425 10, Judicial Center, Nimmo Parkway, Virginia Beach, Virginia.
Norfolk, Virginia 23510
Suffolk Circuit Court:
(5th Judicial Circuit of Virginia.) 150 North Main Street Suffolk, Virginia 23439
Deciding to take control is the step to financial freedom. It can also be the hardest. If you are presently experiencing financial pressure, let our experienced attorneys help you find your path to financial independence. Bankruptcy may or may not be the answer to your particular needs.
Is Bankruptcy right for you?
Experienced attorneys, who are accredited before the U.S. Bankruptcy court listen to you and your needs, then help you develop a plan of action you can follow. No confusing gimmicks or overwhelming options. Just sound advice that'll help you stop collection agencies and creditors from hounding you or controlling your financial life. Our free on-line evaluation is a quick start to taking control of your future. Bankruptcy may not be your best debt relief option but if it isn't you will know it and know which option is!
If filing bankruptcy is your best option, which type?
The following is a general discussion of the types of bankruptcy:
Chapter 7 Bankruptcy
Chapter 7 is the type of bankruptcy most commonly filed by individuals. Chapter 7 bankruptcies make up the large majority of all bankruptcy cases filed in the United States. It is known as a "fresh start" bankruptcy or is sometimes called "liquidation" bankruptcy. In a Chapter 7 bankruptcy, Dischargeable debts are wiped out and non-exempt property is liquidated by a chapter 7 bankruptcy trustee who distributes the money pro-rata to unsecured creditors. A chapter 7 bankruptcy case is typically appropriate for people who have little disposable income which could be used to repay unsecured creditors. These debts are discharged (wiped out) in a chapter seven bankruptcy. Debts like credit cards, medical bills, payday loans, repossession deficiencies, and other unsecured debts can generally be discharged in a chapter 7 bankruptcy. Debt relief is the primary goal of a “fresh start” bankruptcy.
Chapter 13 Bankruptcy
Chapter 13 is the second most common type of bankruptcy. This bankruptcy is a reorganization (repayment) bankruptcy. It is often referred to as a bill payer plan, Typically this option is best for people who have some disposable income they could use to repay all or a small portion of their unsecured debt, or for those who need to use bankruptcy to help get caught up on a mortgage, or to prevent repossession on a vehicle. Foreclosure, repossession, and wage garnishment, are often important reasons for considering a bill payer plan. Chapter 13 attorneys create a budgeted repayment of a percentage the debtor's unsecured debt, based on the debtor's available income. These plans insure that payments do not exceed available income. Based on the debtors income these plans typically budget for adequate funds to pay all living expenses (can even include some unexpected expenses, entertainment and charitable contributions) they then allow for payment of secured debts such as house and car and other secured debt for items the debtor does not wish to liquidate (Your attorney fees to file your chapter 13 bankruptcy can even be included in this amount). Finally, whatever income remains after living expenses and secured debt and attorney fees are paid is divided prorata among unsecured debtors. The court can require mortgage companies to accept payments and get back payments on a schedule the debtor can afford. Many chapter 13 cases involve an attempt to save a house that is in foreclosure. Chapter 13 bankruptcy can also be used to prevent the repossession of a vehicle or to stop a garnishment of wages. This wage earner plan is not as negative on the debtor's credit as the chapter 7 and is far better than ongoing poor or non payment on the debtor's credit history. Bankruptcy lawyers frequently use chapter 13 repayment plans to stop foreclosures, retrieve lost wages from garnishments, and prevent repossession of vehicles. These plans also allow the consumer to enjoy the protection of the bankruptcy court and sufficient time to establish a manageable financial lifestyle.
There are three other less common types of bankruptcies. Chapter 11 bankruptcy is a business reorganization (repayment). Chapter 11 bankruptcy may also be appropriate for individuals with debt that exceeds the Chapter 13 bankruptcy debt limits. This is the type of bankruptcy several airline companies and other large corporations have filed. Chapter 9 is a bankruptcy to adjust the debts of municipalities. It is rarely used.
Chapter 12 bankruptcy is a reorganization (repayment) plan for family farmer or fishermen. There are a few of these bankruptcies filed every year, typically by family farmers in rural communities. It works similar to a Chapter 13 bankruptcy or bill payer plan or reorganization, but with specific provisions applicable to family farmers or fishermen.
The bankruptcy reform law in 2005 also created a new Chapter 15 bankruptcy that deals with international cases. The chapter applies where 1) assistance is sought in the US by a foreign court or a foreign representative in connection with a foreign bankruptcy proceeding, 2) assistance is sought in a foreign country in country in connection with a case under this title, 3) a foreign proceeding and a case under this title with respect to the same debtor are pending concurrently, or 4) creditors or other interested parties in a foreign country have an interest in requesting the commencement of, or participating in, a bankruptcy case or proceeding under this title.
Financial independence starts when you speak with an experienced lawyer, who is under obligation and duty to have your best interest and zealous defense in mind. If bankruptcy is not right in your situation your lawyer will tell you, if it is he will help you through the maze of paper work ahead. The debt relief process does not have to be intimidating or overwhelming but is serious and one you should not enter into lightly. If creditors are hounding you as a result of financial pressure, you should get your free on-line bankruptcy attorney evaluation of your financial situation to determine which bankruptcy is right for you. The Alliance Legal Group, PLLC * offices are located in all South-side Hampton Roads cities including Chesapeake, Suffolk, Virginia Beach, Portsmouth, and Norfolk for your convenience.
Bankruptcy Attorney Index
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Legal Services Available on the Internet:
Today's technology has allowed the Virginia law firm to offer on-line chat and legal assistance to the law office clients of sites such as Virginia accident attorney and Virginia Divorce Attorney . The rapid success enjoyed by this on-line offering has been acclaimed by clients and is now being offered by Bankruptcy Attorney and legal defense firms such as Criminal Defense Attorney. Easy access to law firms and the ability to determine appointment availability has attracted Virginia Traffic Attorney to the network and may soon attract others. Christian Rights Ministries is considering starting a similar online chat network with related Christian and legal sites.
The VIRGINIA BANKRUPTCY ATTORNEY .NET web site is sponsored by The Law office of Steve C Taylor PC and The Alliance legal Group which have been defined by the Federal government as Debt Relief Agencies. They assist debtors, dealing with unmanageable debt and harassing creditors, file for protection under the US bankruptcy code when appropriate and in their best interest. Their bankruptcy attorneys provide outstanding bankruptcy legal representation and debt relief services including legal debt counseling, debt work outs, and debt negotiations and will assist you in knowing what avenue is best for your particular circumstance. Offices located in Chesapeake, Virginia Beach, Norfolk, Portsmouth and Suffolk offer debt relief and debt counseling services including bankruptcy for the following Hampton Roads and Tidewater Virginia Cities of Suffolk, Norfolk, Virginia Beach, Chesapeake, Portsmouth, Smithfield, and Isle of Wight, as well as, the Virginia Peninsula cities of Hampton and Newport News.
This site's content may be considered an ADVERTISEMENT or Advertising Material under the Rules of Professional Conduct governing lawyers in Virginia. This web site is designed for general legal information and should not be construed as legal advice or an offer to establish a lawyer-client relationship. Information on this site is not, nor is it intended to be, legal advice. An attorney should be consulted for advice regarding your specific legal situation..
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