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Foreclosure Q&A

Foreclosure - Virginia Beach, Richmond, Newport News.
I am looking for a bankruptcy attorney to assist me with a chapter 13? I have filed my chapter 13 but I am running into issues. : I started filing pro se and I am running into some issues and I think I need to hire an attorney. I have completed my 341 heading and need Help moving forward

I once heard a bankruptcy judge say he cannot recall a “pro se” debtor successfully completing a Chapter 13 without an attorney. I am glad to hear you are committed to seeing your case succeed. There are many excellent attorneys in your area. 

WHEN AM I ABLE TO FILE FOR BANKRUPTCY ?: If I filed for bankruptcy in April of 2008 and my case was closed, I believe that's what the term or maybe settled is the correct term instead, in July of 2008. When am I able to file for bankruptcy again? Last time I had a business that went under, this time I may be losing my job because health care provider never submitted my short-term disability paperwork to my employer so they may let me go. Do I have to wait 10 years or is it okay to do it now at 9?

You are eligible now. The rule is you can receive a discharge in a Chapter 7 every 8 years. First step is to schedule a free consultation. Hope that helps. 

WHEN CAN I FILE FOR BANKRUPTCY ?: I filed in 2008 and it was discharged in July of 2008. I may need to file due to medical issues. What is the time frame for : Chapter 7, Chapter 11

The rule is 8 years from the time of your last filing. You should be eligible now. If you are talking about medical debt being the problem it is unlikely you are in need of a Chapter 11. I think you may be thinking about a Chapter 13, which is the consumer version of a bankruptcy reorganization. The first step is to schedule a free consultation. Hope that helps. 


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