Bankruptcy Blog
Analyzing The Source Of Your Financial Trouble
by John G. Merna Analyzing the true source of your financial trouble and stress prior to considering filing a bankruptcy, whether a Chapter 13 or a Chapter 7, is key to not only recovering quickly but maximizing the benefit that the bankruptcy filing can bring. ...
Dealing With Creditors Who Violate Bankruptcy Protection
by John G. Merna, Esq. Creditors violating an individual's bankruptcy protection, unfortunately, is not uncommon. In some cases, it is a mistake caused by ignorance of the bankruptcy laws, mailing notice to creditors using an incorrect address, or poor internal...
Illusion Of Credit? Maxed Out?
by John G. Merna No Borrowing Power Equals No Credit. Think About It. Not a week goes by that I don't speak to a person, say from Virginia Beach, Newport News or another local city, who is stressed by their finances and investigating a bankruptcy fresh start...
The Complete Guide To Garnishment Exemptions Law
What You Need to Know About Garnishment Exemptions by John G. Merna, Esq. Introduction: What is a Garnishment? A garnishment is a legal process that allows judgment creditors to collect money from the judgment debtor's wages, bank account, or other assets. The...
The Complete Guide To Virginia Garnishment Law
by John G. Merna, Esq. Introduction: What is Garnishment? A garnishment is a legal process that allows creditors to collect money from the debtor's wages, bank account, or other assets. The creditor must first obtain a court order before they can garnish the...
Virginia Bankruptcy: How To Protect Your Tax Refund
How To Protect Your Tax Refund. - Part 1 of 3 By John G. Merna One of the largest assets many people have each year is their state and federal tax refunds. For some, it is a few hundred dollars. For others, it can be thousands of dollars even as much as $10,000. ...
