Bankruptcy Blog
Protect Tax Refund From Scams
By John G. Merna, Esq.Tax refund time is upon us. And with your tax refund comes the risk of being targeted by fraudsters attempting to steal your hard-earned tax refund. Check the IRS website (IRS.gov identity theft resources) for an update on many recent scams. Tax...
One Last New Year’s Resolution That Will Make You Richer
By John G. Merna, Esq. Yes. This is another New Year's resolution article. I know — you have seen plenty of them. However, I believe this one is different. It is not about losing weight, getting organized, or taking a vacation. It is about getting richer....
Navy Federal & Credit-Union Debt in Bankruptcy: Offset & Cross-Collateralization
Credit unions like Navy Federal have the right of offset and cross-collateralization clauses that can surprise borrowers in bankruptcy. Here’s what military families should know before filing.
The SCRA Explained: Debt Protections for Active-Duty Service Members
The Servicemembers Civil Relief Act (SCRA) caps interest at 6%, pauses lawsuits, and blocks certain collections during service. A plain-English guide — and how it works with bankruptcy.
Can You Discharge Military STAR Card & NEX Debt in Bankruptcy?
STAR Card (AAFES) and Navy Exchange (NEX) debt has no special status in bankruptcy — it can be discharged. Here’s how it works for service members.
Can I File Bankruptcy If I Am Self-Employed in Virginia?
Quick Answer Yes — self-employed individuals, sole proprietors, freelancers, gig workers, and independent contractors can all file bankruptcy in Virginia. The process is largely the same as for employees, but with additional documentation requirements and some...
What Is the Bankruptcy Means Test in Virginia?
Quick Answer The Means Test is a calculation required by federal bankruptcy law to determine whether you qualify for Chapter 7. It compares your income to the Virginia median income for your household size. If you are below the median, you automatically pass. If...
Can I File Bankruptcy Without an Attorney in Virginia?
Quick Answer Technically yes — it is called filing “pro se.” But the Eastern District of Virginia Bankruptcy Court is one of the most complex federal courts in the country, and EDVA trustees and judges hold pro se filers to the same standards as attorneys. The rate of...