Bankruptcy may sound complex and overwhelming, but with the trustworthy assistance of our Winchester bankruptcy lawyer, it doesn’t have to be. Amable Law is eager and optimistic to help guide you towards the path to a debt-free future. We assist clients in getting the fresh start that they need with honest and exceptional bankruptcy assistance. Hundreds of cases are filed for bankruptcy every year, and our legal team is dedicated to helping individuals achieve financial relief.
Attorney Gerardo Delgado is very patient and can take the time to fully understand your situation. He works to create an environment free of judgement so that you can feel at ease when disclosing your financial information. He also provides hope to his clients by offering unique approaches that are personalized to each individual that he represents.
Let our well-practiced attorney help you get through your financial crisis. Call (540) 739-2001 today.
Are you sick of being hounded by creditors? Chapter 7 Bankruptcy is way to help relieve you of your unsecured debts. Most debtors prefer this debt relief program because it allows them to have a fresh financial start.
When you file for Chapter 7, you can potentially wipe out debts associated with:
- Credit cards
- Medical bills
- Personal loans
- Some federal income tax debts
If your debt is causing you an unhealthy amount of stress, call our firm. Our Winchester bankruptcy attorney provides clients with bankruptcy assistance as well as hope for the future. If you are unsure if bankruptcy is right for you, we can help you learn about your options and provide you with the necessary information to decide what would be the best path for you and your finances. We give clients our full support through honest advice and legal assistance that helps them eliminate their debts.
Can I Keep My Car if I File Chapter 7 in Virginia?
If you file for chapter 7 bankruptcy in Virginia, you will get to keep your car if you don’t have an expensive car worth thousands of dollars. If you file for chapter 13 bankruptcy, you will not have to worry about losing your vehicle since it doesn’t require you to turn over any possessions you have.
Will They Take My Furniture in Chapter 7?
In most chapter 7, you are allowed to keep your household goods and furniture in bankruptcy. Whether you will be able to depends on the property and if you are allowed to choose between the state and federal exemption systems.
How Long Does It Take to Rebuild Credit After Chapter 7?
It is still possible to achieve a credit score of 700 or more within two years after filing for Chapter 7 bankruptcy. It requires dedication, timing, and patience to achieve that. In order to achieve this you must follow these steps:
Check your score
Apply for a loan that builds credit
Apply for a credit card
Get another credit card
Check your score again
Spend within your means
Ask for help
Don’t make any large purchases after two years of filing for bankruptcy
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is known as a reorganization event. You can keep your property if you do a court-mandated repayment plan. In the repayment plan, you can discharge your debt by paying your creditors a part of the debt over a certain period. The eligibility restrictions for filing Chapter 13 bankruptcy is that you can’t have more than $394,7255 of unsecured debt or $1,184,200 of secured debt. The drawback to filing a Chapter 13 bankruptcy is that you must make monthly payments to the trustee for 3-5 years.
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