Eastern SHORE Bankruptcy

The Eastern Shore of Virginia is actually two counties (Accomack and Northampton) stretching over 70 miles long. The Eastern Shore is known for its wetlands and wildlife and of course Chincoteague National Wildlife Refuge where the annual Pony Swim and Auction occurs. Although separate from southside Hampton Roads by the 17 mile long (CBBT) Chesapeake Bay Bride Tunnel, it is hard to exclude the Eastern Shore as a major part of the coastal culture of Virginia. Approximately 45,000 people call Accomack County and beyond home having all of that spacious beauty to themselves. Many residents work in Hampton Roads and commute regularly to avoid the hustle and traffic for a more laid back life when not at work. While the region is set apart from most of Hampton Roads, its residents are also financially affected by economic changes and events such as COVID 19.  Financial hardships and bankruptcy affect nearly everyone in Virginia, including our military.

Bankruptcy is a legal process that releases people from debts they are no longer able to pay. For Eastern Shore citizens and all US consumers there are two types of bankruptcy, Chapter 7 and Chapter 13. Chapter 7 eliminates (or discharges) most debts without further payment. Some debts such as recent taxes and child support are not dischargeable. Chapter 13 is a restructuring of debt and consolidates all of your debt into a court approved “plan”. Most Eastern Shore consumers who do not own their home or have valuable property file Chapter 7 while homeowners typically file Chapter 13 which allows them to keep their homes while under the court appointed plan.

While it is possible to conduct these legal processes on your own, bankruptcy can be a complicated process and challenging for most people. Individuals in Eastern Shore that are comfortable with legal jargon, forms and court processes are likely candidates for self filing. However,  It is better to work with someone to work on your behalf to insure your filing process is efficient and results in a successful discharge of your debt the first time. Merna Law has helped thousands of south side and Eastern Shore residents navigate the process and has free consultations and convenient payment plans. A free phone call with one of our bankruptcy lawyers is a great first step in deciding if your current financial situation would improve as a result of bankruptcy. 

We are committed to helping Virginia Beach and our surrounding communities get back on their feet as painlessly and quickly as possible.

VIRGINIA BANKRUPTCY ATTORNEYS

Merna Law are bankruptcy attorneys in Virginia serving the citizens of Virginia Beach, Newport News, Richmond, Norfolk, Chesapeake, Suffolk, Portsmouth, Hampton, Gloucester, York, Williamsburg, Henrico, Chesterfield, Fredericksburg, Eastern Shore, Petersburg, Hopewell, Franklin, Midlothian, Chester, South Hill, and Emporia.

We have offices in Virginia Beach, Richmond and Newport News Virginia.  

Alert for Newport News residents – The U.S. Banruptcy Court for your jurisdiction is located at 600 Granby St., 4th Floor, Norfolk, VA 23510 (@36.8536006,-76.3585856)

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