How to Rebuild Credit After Bankruptcy in Virginia

Quick Answer Most Virginia bankruptcy filers begin rebuilding credit within 6–12 months of discharge by getting a secured credit card, making all payments on time, and keeping balances low. Many Merna Law clients are mortgage-ready within two years of their Chapter 7...

Will My Employer Find Out I Filed Bankruptcy in Virginia?

  Quick Answer In most cases, no. Employers are not notified when you file bankruptcy. The only exception is if your wages are currently being garnished — in that case, the court sends your employer a notice to stop the garnishment. Federal law also prohibits...

How Much Does It Cost to File Bankruptcy in Virginia?

  Quick Answer Filing Chapter 7 bankruptcy in Virginia involves a court filing fee of $338 and attorney fees that vary by firm. Chapter 13 has a $313 filing fee and higher attorney fees because of the complexity of plan preparation and a multi-year case. Merna...

What Happens to My Tax Refund If I File Bankruptcy in Virginia?

By John G. Merna, Esq. | Last Reviewed: June 2026 | The Merna Law Group, P.C. Quick Answer Your tax refund may be considered an asset in bankruptcy. In Chapter 7, a refund you are owed at the time of filing may be partially or fully claimed by the bankruptcy trustee....

Can I Keep My House If I File Bankruptcy in Virginia?

  Quick Answer Yes, in most cases. Virginia’s homestead exemption (Va. Code § 34-4) protects equity in your primary residence up to the amount established by that section. In Chapter 7, you must be current on your mortgage. In Chapter 13, you can be behind on...

What Debts Cannot Be Discharged in Virginia Bankruptcy?

  Quick Answer Most unsecured debts — credit cards, medical bills, personal loans, payday loans — can be discharged in bankruptcy. Debts that survive bankruptcy include child support, alimony, most student loans, recent income taxes, criminal fines, and debts...