Many people who file bankruptcy are small business owners.  Especially owners of one-person small businesses.  People like the freedom of...

If you rebuild your credit, three years after your bankruptcy you can get a car loan at a good interest rate.  But you can also get...

“Do I need to file bankruptcy on inherited debt?” In my twenty years as a bankruptcy lawyer, I’ve been asked about bankruptcy and...

Around 100,000 people a year get arrested because they owe unpaid bills and ignore a court paper.  Does this happen in Virginia.  Yes!...

People often ask me if there are any taxes that bankruptcy can help with. Here’s the rule.  You can discharge income taxes if they were...

<h2>Before bankruptcy: Stopping automatic withdrawals</h2> While trying to avoid bankruptcy, people sometimes authorize debt collectors...

Just now got a call from Lester (not his real name) who filed Chapter 7 bankruptcy with me in July 2008. It was discharged in November...

Cindy (not her real name) filed bankruptcy with me back in 2001.   She called last week, upset.  A debt collector, Nationwide Credit...

Bankruptcy exemptions in Virginia got a little better effective July 1, 2011. HB 1422, sponsored by Del Dave Albo (R-Springfield)...

A bankruptcy client sent me a wonderful email yesterday.  “I can finally see light to get on with my life.”  Why?  “I got the job!” Bad...

To get a HAMP loan modification, some people need to file bankruptcy first. I’m a Virginia bankruptcy lawyer. Usually, I urge people to...

Discharge?  Charge-off?  The two words look a lot alike.  Do they mean the same thing? Nope.  Discharge is a magic word.   A legal word,...

Lots of people I see filing bankruptcy are landlords. They’re not people who wanted to be landlords.  I’m talking about people who are...

Many people file bankruptcy right before foreclosure.  Sometimes the timing of the bankruptcy is to get more time to get a loan...

I’m a Virginia Bankruptcy Lawyer.   I talk to a lot of people in financial trouble.  I talk to a lot who are harassed by debt collectors....

“In bankruptcy, everything is upside down.  Bad is good; good is bad.”  I tell people that all the time. What does that mean? For the...

Cough medicine, pain relievers and all over-the- counter meds count for you in the bankruptcy means test.  Make sure you count them....

After bankruptcy discharge: Getting back to good credit About two months and two weeks after your bankruptcy trustee hearing, you should...

Chapter 13 is selected by less than 5% of my Virginia bankruptcy clients.  For other people filing bankruptcy in Northern Virginia, it’s...

Before the housing crisis, I warned all my Chapter 7 bankruptcy clients, “make sure you are current on your house the day we file your...