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11

Sep 2013

Before bankruptcy: If I pay off credit cards, can I keep them?

Posted by / in Virginia Bankruptcy / No comments yet

People often ask me if they are allowed to keep a credit card out of the bankruptcy.

If you mean, can a leave one card off the list, the answer to that is no.  Leaving a card off the list is lying to the bankruptcy judge.   Lawyers don’t recommend lying to a judge–the job of your lawyer is to get the truth to work.

(Leaving on card off the list also doesn’t get you where you are trying to go.  When someone accidentally leaves one card off, the card gets cancelled in about week of the bankruptcy.  Why?  Even if you do not list a credit card company in the bankruptcy, your creditors keep a constant watch on your credit report.  That should be no surprise,…  the surprise is that the credit card company then reports the balance as an after bankruptcy charge off on your credit.  You really don’t want that.)

 

Paid off Cap One $2400 week before–cancelled her anyway.  Not listed in the bankruptcy–they see it on your credit report!

 

American Express hadn’t used to two months.  Reduced his credit limit from $2500 to $1000.

 

Kohls/Capital One

HSBC/Capital One  now, too Best Buy

 

Bought out a lot of HSBC store brand cards…

 

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30

Mar 2013

Can they put a lien on a house I bought after the bankruptcy?

Posted by / in Virginia Bankruptcy / 9 comments

Did you put off filing bankruptcy until after somebody got a judgment against you?

Pre-bankruptcy judgments are liens on property you own before the bankruptcy.  (Sometimes they can be removed;  sometimes they can’t.)   But they cannot put a lien on a house you buy after the bankruptcy.

At least, not legally.

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19

Mar 2013

Emergency bankruptcy filing in Northern Virginia

Posted by / in Virginia Bankruptcy / 3 comments

Here’s an email I got on Friday, March 15 2013.

I started the bankruptcy process with your office in 03/2012 and stopped the process.  That was a wrong decision!!!  My house is scheduled for foreclosure on Monday 03/18/13 and I have tried working with Wells Fargo to postpone the sale.  NACA and Senator Mark Warner’s office also joined me to work with Wells Fargo but they are slow to give me a decision.  Can you help me stop the foreclosure?

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06

Mar 2013

Planning: Why This Bankruptcy Lawyer Often Charges More

Posted by / in Virginia Bankruptcy / No comments yet

Tommy needs to file bankruptcy.

We’ve been holding off  filing his papers for several months.  Why?  Before he talked to me as his lawyer, Tommy had pulled $40,000 out of his 401k.  That was a problem–as long as it was in his 401k it was safe.   But once it hit his bank account, the court, or his creditors, could grab it.  (Virginia law allows Tommy, or most people, to protect $5000 in the bank.)

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18

Dec 2012

Internet Payday Loans are Illegal in Virginia

Posted by / in Virginia Bankruptcy, Weekly Posts / 173 comments

Internet payday loans are illegal in Virginia.  They are a felony.  (In order to make payday loans in Virginia, they have to have a licensed office in Virginia.  The internet payday loans do not have offices Virginia–they are on the internet.)

Since the people behind the internet payday loans could be sent to jail in Virginia, the internet payday loan companies are careful to

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16

Jun 2012

Fredericksburg and Spotsylvania bankruptcy clients have a new choice.

Posted by / in Virginia Bankruptcy / No comments yet

My bankruptcy law office on Garrisonville Rd, Stafford, VA, is now serving bankruptcy clients in Fredericksburg City and Spotsylvania County.   Also, Caroline, King George, and Westmoreland.

Many people in Fredericksburg and Spotsylvania commute to Northern Virginia to work.  But people living south of the Rappahannock River go to Richmond for their bankruptcy hearings.  People in the Northern Neck counties, including King George and Westmoreland also go to Richmond.  

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01

May 2012

Bankruptcy Dismissed: Is that a bad thing?

Posted by / in Virginia Bankruptcy / 17 comments

“Angie” filed a bankruptcy a couple years ago with some other lawyer.  Her bankruptcy was “dismissed.”  She emailed me yesterday, looking for a lawyer she could “trust.”

“I filed two years ago and my lawyer filed too early from my one years ago and it was dismissed. I paid alot and didn’t get my bankruptcy. Trust and money are issues. Please Advise.” –Angie.

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NORTHERN VIRGINIA BANKRUPTCY LAW OFFICES