The SCRA Explained: Debt Protections for Active-Duty Service Members
The Servicemembers Civil Relief Act (SCRA) is one of the most valuable — and most underused — protections available to active-duty service members dealing with debt. It doesn’t erase what you owe the way bankruptcy can, but it can freeze lawsuits,...Can You Discharge Military STAR Card & NEX Debt in Bankruptcy?
If you owe on a Military STAR Card (AAFES) or a Navy Exchange (NEX) account and the balance has become unmanageable, you may be worried these debts are somehow “untouchable” because they come from the exchange system. They aren’t. In bankruptcy, STAR...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...
