Make your mortgage payment in Chapter 13

Make your mortgage payment in Chapter 13 It’s easy to lose track of your mortgage payments in Chapter 13.  They don’t call you if you miss a payment.  It seems like nothing happens. But if you slip back to three or four payments behind, they go to the...

Success in Chapter 13: What You Need to Know

Success in Chapter 13: What You Need to Know You want to be one of three consumers who succeed in Chapter 13.  As the lawyer in over a thousand successful Chapter 13 cases, I’ve collected tips for success in Chapter 13. The Chapter 13 Trustee in Northern...

Here’s What We Need for our Second Meeting

Here’s what we usually need for our second meeting The Be Happy form is mostly bio information that we need to get your case approved.  You can start here.  (Please don’t budget too low on your food and clothes.) We’ll need a credit report. You have...
Chapter 13 Payment Information

Chapter 13 Payment Information

Here’s How You Can Make Your Chapter 13 Payments in the Alexandria VA Bankruptcy Court The bankruptcy law tells you to make your first Chapter 13 payment one month after your bankruptcy case is filed.  If you forget, or bounce, your first payment, the Chapter 13...

What Does Chapter 7 Bankruptcy Cost in Virginia?

Here’s our payment schedule and work schedule: Fee Agreement April 2024 Lawyers are required to tell you what work we do for the money you pay. A lot of lawyers are pretty sketchy about that. I try to do better. Do You Get More for Your Money with Us? Higher success...
We’re Zooming Virtual Bankruptcy Consultations

We’re Zooming Virtual Bankruptcy Consultations

We’ve been Zooming–doing Zoom bankruptcy consultations–since April 2020. We’re sticking with it. We stopped in-office consultations with the March 2020 pandemic lock down. (I first heard of Zoom when my church started using it. We’re a small congregation and can see...

We Win Our Appeal–Chapter 13

Robert traded his 2007 Ford Mustang on a new Ford Focus shortly before filing Chapter 13 bankruptcy. Virginia bankruptcy lawyer Kaitlin Vaillancourt worked with me on this Chapter 13 appeal. Thomas Gorman, the Chapter 13 trustee, objected that was “bad faith.” Robert...
Where is the Northern Virginia Bankruptcy Court?

Where is the Northern Virginia Bankruptcy Court?

Most people who file bankruptcy never go to the bankruptcy courthouse.   About a month after your bankruptcy papers are filed, you have to attend a bankruptcy trustee hearing.  (Also called a “meeting of creditors” or a “341 hearing.”) ...

What’s a Judicial District in Virginia for FDCPA Purposes

The FDCPA requires that a debt collector sue you in the right judicial district. Virginia is divided into Judicial Districts. You can see that map here. In Northern Virginia, most district are one county. But Loudoun and Fauquier share one district. Stafford is in...