Chapter 7 Bankruptcy Lawyer McLean Burke Annandale Dale City Virginia Beach Clear Lake Stop Foreclosure Judgment Warrant in Debt Repossession Payment Plan file bankruptcy stop creditors debt restruction debt repayment insovent business bankruptcy chapter

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CHAPTER 7

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Chapter 7 is designed for debtors who are having financial difficulty and who do not have the ability to pay their existing debts. The purpose of filing a Chapter 7 case is to obtain a discharge of the debtor's existing debts.

The debtor must attend a 341 meeting of creditors, which is held approximately 40 days after the Chapter 7 bankruptcy petition is filed. Your attendance is mandatory and the attorney will accompany you to the meeting. Creditors rarely attend the meeting.
The Order of Discharge is normally entered about 110 days after the Chapter 7 case is filed. The Order provides that all of your eligible debt is discharged and prevents creditors whose debt is discharged from attempting to collect the debt from you. Certain debts are not dischargeable under law. Therefore, you may still be responsible for such debts as certain taxes, student loans, alimony and support payments, criminal restitution, and debts for death or personal injury caused by driving while intoxicated from alcohol or drugs.
A Chapter 7 bankruptcy can stay on your credit for 10 years. However, there is life after bankruptcy. After your discharge, new automobile financing is available at most new car dealerships provided income and employment conditions are met. Also, if certain conditions are met, new mortgage financing is usually available 2 to 4 years after discharge.
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WE ALSO OFFER SERVICES SUCH AS DIVORCE, NAME CHANGES AND PERSONAL INJURY CASES.

What debts are dischargedin
Chapter 7
dischargeable
possibly dischargeable
not dischargeable
Personal loans
Credit cards
Repossession deficiencies
Auto accident claims
Medical bills
Judgments
Business debts
Leases
Guaranties
Negligence claims
Tax penalties over 3 years old
Income taxes that aren't priority taxes
Willful and malicious injuries to others
Embezzlement
Debts incurred by fraud or dishonesty
Debts arising from breach of fiduciary duty
A creditor contesting the discharge of these debts must take prompt action to contest the discharge of his claim.
Recent taxes
Trust fund taxes
Child or family support
Criminal fine or restitution
Accident claims involving intoxication
Debts not scheduled
Penalties payable to the government other than tax penalties
Student loans
Debts listed in prior bankruptcy where debtor was denied a discharge
Taxes for years where return unfiled or filed for less than 2 years

LIBERTY LAW GROUP/THE TILLMAN LAW FIRM

VIRGINIA BEACH: One Columbus Center, Suite 600, Virginia Beach, VA 23462 - Phone (757) 333-0599

NEWPORT NEWS: 11815 Fountain Way, Suite 300, Newport News, VA 23606 - Phone (757) 333-0599

SPRING: 16422 Stuebner Airline, Spring, TX 77379 - Phone (281) 882-3928

Fax: (866) 562-8290

E-Mail: LibertyLawGroup@gmail.com