Triangle VA Bankruptcy Lawyer Information

Posted by Robert Weed / in Virginia Bankruptcy /

Looking for a Bankruptcy Lawyer Near Triangle VA?

Hi, I’m Prince William County Bankruptcy Lawyer Robert Weed.

The Law Office of Robert Weed has handled six thousand bankruptcies in Prince William County. About three hundred with people in Triangle VA. We’ve done the most bankruptcies of any law firm in Prince William County. More than 600 people have voted us five stars, the most of any lawyer in Northern Virginia.

Two of my four locations are convenient to Triangle.  I hope to see you soon in one of these two convenient locations.   My Woodbridge location, is just off the Prince William Parkway, across from the county building. It’s 4008 Genesee Place, Suite 201.  

Google maps says it’s about twenty minutes from Triangle.

Even more convenient to Triangle is my Stafford office, on Garrisonville Rd. It’s 300 Garrisonvile Rd, Suite 201. Google maps says it’s only about ten minutes away.

Most weeks I’m in Woodbridge on Monday and Stafford on Friday. Val Settles is my full time senior paralegal in my Woodbridge location. AJ Jones is my fulltime senior paralegal in Stafford.

Three hundred people in Prince William County have given us five star reviews.  Acquilla, Oswaldo, and Nancy, all from Triangle, gave us five stars.

(For hundreds more reviews, you can go here.  And here.) We know that it’s hard to discuss your financial situation with strangers. Call today!  You’ll like our friendly service with a smile.

Nokesville Bankruptcy Lawyer Information

Posted by Robert Weed / in Virginia Bankruptcy /

Looking for a Bankruptcy Lawyer Near Nokesville VA?

Hi, I’m Prince William County Bankruptcy Lawyer Robert Weed.

The Law Office of Robert Weed has handled more than six thousand bankruptcies in Prince William County.  About two hundred with people in Nokesville.

We’ve done the most bankruptcies of any law firm in Prince William County.

Two of my four locations are convenient to Nokesville.

My Woodbridge location, is just off the Prince William Parkway, across from the county building. It’s 4008 Genesee Place, Suite 201.

Google maps says it’s about half an hour from Nokesville.

Also convenient to Nokesville is my Stafford office, on Garrisonville Rd. It’s 300 Garrisonvile Rd, Suite 201.

Google maps says it’s also about half an hour from Nokesville.

Most weeks I’m in Woodbridge on Monday and Stafford on Friday. Val Settles is my full time senior paralegal in my Woodbridge location. AJ Jones is my fulltime senior paralegal in Stafford.

We know that it’s hard to discuss your financial situation with strangers.  I can promise, you, in either location, you’ll like our friendly service with a smile.

 

 

 

 

 

 

 

 

 

 

PS If you are wondering, the Bankruptcy Court is NOT at the courthouse in Manassas.

The Bankruptcy Court in Alexandria handles all of Northern Virginia.

Loan Mod–Even At the Last Minute, Bankruptcy Worked

Posted by Robert Weed / in Virginia Bankruptcy, Weekly Posts / No comments yet

This time bankruptcy worked better than I hoped

John and Val filed a Chapter 7 bankruptcy with me in 2004.  A lot of their problem then was medical bills.

John’s health continued to decline.   When they came to see me in 2012, he was disabled.  He was confined to a wheel chair.  And they were back in debt.  No surprise.

But John wanted to “protect his credit” so they decided to do nothing.

They came rushing back this month, December 2014.  They had gotten a trial loan mod–getting them a house payment they could afford

But, they hadn’t been able to make the loan mod trial payments!  Two reasons.  First, they had been taking pay day loans–and a car title loan!  And now were paying those instead of the mortgage!  (Why; well payday loans will call and threaten you, if you don’t pay them.) Second, Val had gotten garnished for back Home Owner Association dues.

So, they were back to the mortgage they couldn’t afford.  They now had a car payment they couldn’t pay.  And Vicky would have a new paycheck garnishment starting in two weeks.

This was a case for Chapter 13

I always look first at Chapter 7, but this was a case for Chapter 13.  I could use Chapter 13 to take the interest on the title loan from 240% down to 5%.  Saving nearly $325 a month. With John on social security disability, that $325 was lot of money.

Second, I thought there was a chance that the bankruptcy judge could undue their “default” on the trial mod payments.  (Force the mortgage company to accept the loan mod trial payments late, and then lock in the modification.)

The husband threatened to leave my office unless I could promise him this would work.  No promise: loan mods are voluntary.  I’ve never tried to force a bank to accept one.  His wife told him, what choice do we have?

Loan Mod Offer Comes in the Mail

Worked better than I hoped.  In less than two weeks, the mortgage company offered them the loan mod again.  Make three trial payments, and we’ll make it permanent. (I didn’t have to try to argue the judge had the power to bring back the defaulted mod.)

Now that Val is not being garnished, and they are not being bled by payday loans, they can make that payment. (And I didn’t have to try my long-shot argument in front of the judge..)

House saved; family saved.

Wew.  No guarantee this would work again.

Even at the last minute, for most people bankruptcy works

These folks would have saved enormous stress–and probably helped John’s health–if they had gone ahead with bankruptcy in 2012.  (They chose “protecting their credit”  instead of protecting their family.) But even at the last minute, for most people, bankruptcy works.