# Merna Law: Virginia Beach, Newport News, Richmond Bankruptcy Attorneys > Bankruptcy Fresh Starts... Start Here. ## Pages - [Bankruptcy & Your Security Clearance in Virginia](https://mernalaw.com/bankruptcy-and-security-clearance/): Bankruptcy & Your Security Clearance in VirginiaBy John G. 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(800) 662-8813 - [Chester Bankruptcy Attorney — Chapter 7 & 13 | Merna Law](https://mernalaw.com/virginia-bankruptcy/chesterfield-bankruptcy/chester-bankruptcy/): Quick Answer: Chester residents file bankruptcy in the Eastern District of Virginia, Richmond Division, as part of Chesterfield County. 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With approximately 57 filings per... - [FINANCIAL EVALUATION](https://mernalaw.com/bankruptcy/financial-evaluation-2/) - [Free Virginia Bankruptcy Consultation](https://mernalaw.com/make-appointment/): Schedule Your Free Virginia Bankruptcy Telephone Consultation - [Newport News Bankruptcy Attorney — Chapter 7 & 13 | Merna Law](https://mernalaw.com/virginia-bankruptcy/newport-news-bankruptcy/): Newport News Bankruptcy Attorney — Chapter 7 & 13 Quick Answer Newport News residents file bankruptcy in the U. S.... - [Richmond Bankruptcy Attorney](https://mernalaw.com/virginia-bankruptcy/richmond-bankruptcy/): Quick Answer Richmond residents file bankruptcy in the U. S. Bankruptcy Court, Eastern District of Virginia, Richmond Division — 701... - [Norfolk Bankruptcy Attorney — Chapter 7 & 13 | Merna Law](https://mernalaw.com/virginia-bankruptcy/norfolk-bankruptcy/): Norfolk Bankruptcy Attorney Quick Answer Norfolk residents file bankruptcy in the U. S. 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Is... - [Newport News Bankruptcy Office](https://mernalaw.com/newport-news-virginia-bankruptcy-office/): VIRGINIA’S PREMIERE BANKRUPTCY LAW FIRM • VIRGINIA BEACH • RICHMOND • NEWPORT NEWS • 1-800-662-8813 MERNA LAW NEWPORT NEWS BANKRUPTCY... - [Richmond, Virginia Bankruptcy Office](https://mernalaw.com/richmond-virginia-bankruptcy-office/): VIRGINIA’S PREMIERE BANKRUPTCY LAW FIRM • VIRGINIA BEACH • RICHMOND • NEWPORT NEWS • 1-800-662-8813 MERNA LAW RICHMOND BANKRUPTCY OFFICE - [Foreclosure](https://mernalaw.com/foreclosure/): Stop Foreclosure in Virginia: Complete Guide Quick Answer Foreclosure in Virginia can move fast — as quickly as 60 to... - [Garnishment](https://mernalaw.com/garnishment/): Stop Wage Garnishment in Virginia — Complete Guide Quick Answer A wage garnishment takes money directly from your paycheck or... - [Repossession](https://mernalaw.com/repossession/): Stop Vehicle Repossession in Virginia — Complete Guide Quick Answer In Virginia, a lender can repossess your vehicle after just... - [BLOG](https://mernalaw.com/bankruptcy/blog/): Bankruptcy Blog - [Virginia Bankruptcy](https://mernalaw.com/virginia-bankruptcy/): Serving the Entire Eastern District of Virginia — No Office Visit Required Merna Law is a fully virtual bankruptcy firm.... - [Virginia Beach Bankruptcy Attorney — Chapter 7 & 13 | Merna Law](https://mernalaw.com/virginia-bankruptcy/virginia-beach-bankruptcy/): VIRGINIA’S PREMIERE BANKRUPTCY LAW FIRM • VIRGINIA BEACH • RICHMOND • NEWPORT NEWS • 1-800-662-8813 Virginia Beach Bankruptcy Attorney —... - [Petersburg Bankruptcy Lawyer | Bankruptcy Attorney | Merna Law](https://mernalaw.com/petersburg-virginia-bankruptcy-lawyer/): PETERSBURG BANKRUPTCY LAWYER Quick Answer Looking for a Petersburg bankruptcy lawyer? 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No — Scripture never calls it one, and the Bible builds debt release into God’s... - [Navy Federal & Credit-Union Debt in Bankruptcy: Offset & Cross-Collateralization](https://mernalaw.com/credit-union-offset-cross-collateralization-bankruptcy/): Credit unions like Navy Federal have the right of offset and cross-collateralization clauses that can surprise borrowers in bankruptcy. Here’s... - [The SCRA Explained: Debt Protections for Active-Duty Service Members](https://mernalaw.com/scra-debt-protections-service-members/): The Servicemembers Civil Relief Act (SCRA) caps interest at 6%, pauses lawsuits, and blocks certain collections during service. A plain-English... - [Can You Discharge Military STAR Card & NEX Debt in Bankruptcy?](https://mernalaw.com/star-card-nex-debt-bankruptcy/): STAR Card (AAFES) and Navy Exchange (NEX) debt has no special status in bankruptcy — it can be discharged. Here’s... - [Can I Get a Credit Card After Bankruptcy in Virginia?](https://mernalaw.com/can-i-get-a-credit-card-after-bankruptcy-in-virginia/): Quick Answer Yes — and you should. Getting a secured credit card immediately after your bankruptcy discharge is the single... - [How to Rebuild Credit After Bankruptcy in Virginia](https://mernalaw.com/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,... - [How Long Does Bankruptcy Stay on Your Credit Report?](https://mernalaw.com/how-long-does-bankruptcy-stay-on-credit-report-virginia/): Quick Answer Chapter 7 bankruptcy stays on your credit report for 10 years from the filing date. Chapter 13 stays... - [Can I Buy a Car After Bankruptcy in Virginia?](https://mernalaw.com/can-i-buy-a-car-after-bankruptcy-in-virginia/): Quick Answer Yes — many Virginia bankruptcy filers purchase a vehicle within months of their discharge. Auto lenders who specialize... - [Can I Buy a House After Bankruptcy in Virginia?](https://mernalaw.com/can-i-buy-a-house-after-bankruptcy-in-virginia/): Quick Answer Yes. FHA loans are available as soon as 2 years after Chapter 7 discharge. VA loans also at... - [What Happens at the 341 Meeting of Creditors in Virginia?](https://mernalaw.com/what-happens-at-the-341-meeting-of-creditors-in-virginia/): Quick Answer The 341 Meeting is a short, required hearing — typically 5–15 minutes — where the bankruptcy trustee asks... - [Can I File Bankruptcy Without an Attorney in Virginia?](https://mernalaw.com/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... - [What Is the Bankruptcy Means Test in Virginia?](https://mernalaw.com/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... - [Can I File Bankruptcy If I Am Self-Employed in Virginia?](https://mernalaw.com/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.... - [What Is a Bankruptcy Discharge?](https://mernalaw.com/what-is-a-bankruptcy-discharge/): Quick Answer A bankruptcy discharge is a federal court order that permanently eliminates your legal obligation to repay certain debts.... - [Will My Employer Find Out I Filed Bankruptcy in Virginia?](https://mernalaw.com/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... - [How Does Bankruptcy Affect Your Credit in Virginia?](https://mernalaw.com/how-does-bankruptcy-affect-your-credit-in-virginia/): Quick Answer Bankruptcy does negatively affect your credit score in the short term. A Chapter 7 filing remains on your... - [What Is Bankruptcy? A Plain-English Guide for Virginia Residents](https://mernalaw.com/what-is-bankruptcy-a-plain-english-guide-for-virginia-residents/): Quick Answer Bankruptcy is a federal legal process that lets people and businesses who cannot repay their debts get relief... - [Chapter 7 vs. Chapter 13 Bankruptcy — Which Is Right for You in Virginia?](https://mernalaw.com/chapter-7-vs-chapter-13-bankruptcy-which-is-right-for-you-in-virginia/): Quick Answer Chapter 7 eliminates most unsecured debt permanently in four to six months — right for people who qualify... - [Can I Keep My House If I File Bankruptcy in Virginia?](https://mernalaw.com/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... - [What Debts Cannot Be Discharged in Virginia Bankruptcy?](https://mernalaw.com/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.... - [How Long Does Bankruptcy Take in Virginia?](https://mernalaw.com/how-long-does-bankruptcy-take-in-virginia/): Quick Answer Chapter 7 bankruptcy typically takes four to six months from filing to discharge. Chapter 13 takes three to... - [Can I Keep My Car If I File Bankruptcy in Virginia?](https://mernalaw.com/can-i-keep-my-car-if-i-file-bankruptcy-in-virginia/): Quick Answer Yes, in most cases. Virginia bankruptcy exemption law (Va. Code § 34-26(8)) protects a motor vehicle up to... - [How Much Does It Cost to File Bankruptcy in Virginia?](https://mernalaw.com/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... - [What Happens to My Tax Refund If I File Bankruptcy in Virginia?](https://mernalaw.com/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... - [Five Amazing Facts About Bankruptcy](https://mernalaw.com/five-amazing-facts-about-bankruptcy/): By John G. Merna, Esq. Bankruptcy is more powerful than most people realize. In fact, it is one of the... - [5 Reasons Bankruptcy is the cheapest & fastest Way to rebuild credit](https://mernalaw.com/5-reasons-bankruptcy-is-fastest-way-to-rebuild/): by John G. Merna WHy Bankruptcy Will Get your credit back on track fast. If you are like most people,... - [Behind on Car Loan? Delinquencies Hit Record High.](https://mernalaw.com/behind-on-car-loan/): By John G. Merna, Esq. Sub-prime car loan delinquencies have reached their highest level since 2007. That is according to... - [Three Things You Can Do This Year To Be Richer](https://mernalaw.com/three-things-you-can-do-to-be-richer/): by John G. Merna, Esq. As we end the first month of 2016, a person should take a moment for... - [Foreclosures Are On The Rise. Some Warnings.](https://mernalaw.com/foreclosures-on-the-rise-some-warnings/): By John G. Merna, Esq. - [What Is A Foreclosure & How Does A Bankruptcy Stop It?](https://mernalaw.com/what-is-a-foreclosure-how-does-a-bankruptcy-stop-it/): By John G. Merna, Esq. Everyday thousands of hard working homeowners fall behind on their monthly house payments due to... - [The Complete Guide To Garnishment Exemptions Law](https://mernalaw.com/garnishment-exemptions/): What You Need to Know About Garnishment Exemptions by John G. Merna, Esq. Introduction: What is a Garnishment? A... - [The Complete Guide To Virginia Garnishment Law](https://mernalaw.com/virginia-garnishment-law-2/): by John G. Merna, Esq. Introduction: What is Garnishment? A garnishment is a legal process that allows creditors to... - [Six Things NOT To Do With Your Tax Refund If You Are Thinking of Filing Bankruptcy.](https://mernalaw.com/six-things-not-to-do-with-your-tax-refund-if-you-are-thinking-of-filing-bankruptcy/): By John G. Merna, Esq. - [Is Your Tax Refund Safe From Garnishment?](https://mernalaw.com/is-your-tax-refund-safe/): by John G. Merna, Esq. Tax time can be exciting if you anticipate receiving a tax refund. For some, the... - [February Is "Fresh Start" Month.](https://mernalaw.com/bankruptcy-fresh-start/): Find out the facts: Bankruptcy does not destroy your credit. How to get a bankruptcy fresh start. You can buy... - [Protect Tax Refund From Scams](https://mernalaw.com/protect-your-tax-refund-from-scams-2/): By John G. Merna, Esq. Tax refund time is upon us. And with your tax refund comes the risk of... - [IRS Warns “Many Refunds Will Be Delayed”.](https://mernalaw.com/tax-refund-delay/): By John G. Merna, Esq. We are about a week from - [Five Credit Recovery Rules You Can't Afford To Ignore!](https://mernalaw.com/five-credit-recovery-rules-you-cant-afford-to-ignore/): By John G. Merna, Esq. If you have bad credit and unpaid debt you know the stress of your situation... - [Business Bankruptcy](https://mernalaw.com/business-bankruptcy/): By John G. Merna, Esq. How to use business bankruptcy laws to navigate setbacks. The pandemic has effected many businesses... - [5 Reasons To File Bankruptcy Instead Of Struggling With Debt](https://mernalaw.com/5-reasons-to-file-bankruptcy-instead-of-struggling-with-debt/): by John G. Merna, Esq. We get dozens of calls each week from people who are trying to decide whether... - [Five Tips on How to Financially Weather a Pandemic](https://mernalaw.com/five-tips-on-how-to-financially-weather-a-pandemic/): By John G. Merna, Esq. - [How To Weather Inflation When Struggling Financially.](https://mernalaw.com/how-inflation-will-affect-finances/): By John G. Merna, Esq. How Inflation Will Affect You And Your Debt News of inflation is everywhere. The cost... - [Can Bankruptcy Wipe Out Toll Debt?](https://mernalaw.com/can-bankruptcy-wipe-toll-debt/): By John G. Merna Highway Robbery: Toll Collection Out Of Control When a few dollars in toll charges can rocket... - [Five Little Known Treats (Realities) About How Bankruptcy Can Help You - Part 2](https://mernalaw.com/five-little-known-treats-realities-about-how-bankruptcy-can-help-you-part-2/): by John G. Merna Trick or Treat: Bankruptcy Treats – Part 2 Here are few of the little known treats... - [Trick or Treat: Five Scary Tricks (Myths) About Bankruptcy](https://mernalaw.com/trick-or-treat-five-scary-tricks-myths-about-bankruptcy-part-1/): by John G. Merna, Esq. Halloween is about scary things we know are not real but enjoy being scared anyway.... - [Baby Boomers & Bankruptcy: Make Your Retirement Better.](https://mernalaw.com/baby-boomers-bankruptcy-make-retirement-better/): by John G. Merna A Lack of Retirement Savings Forces Many to Take Action With over 75 million baby boomers... - [How Debt Relief Companies Scam You.](https://mernalaw.com/how-debt-relief-companies-scam-you/): By John G. Merna, Esq. Let’s face it bankruptcy is never anyone’s first choice. Although that’s primarily because they don’t... - [](https://mernalaw.com/file-a-bankruptcy-without-leaving-home/): File Bankruptcy Without Leaving Home — Merna Law’s Virtual Filing ProgramQuick AnswerMerna Law handles every step of the Virginia bankruptcy... - [Stop A Foreclosure With Bankruptcy: Is A Chapter 7 or Chapter 13 Better?](https://mernalaw.com/stop-a-foreclosure-with-bankruptcy/): By John G. Merna, Esq. Every one who has ever faced foreclosure is frightened about losing their house and wondering... - [A Poor Credit Score Affects Interest Rates](https://mernalaw.com/a-poor-credit-score-affects-more-than-your-ability-to-get-a-loan-or-a-good-interest-rate/): By John G. Merna, Esq. - [Unlock The Power of Buying a Home After Bankruptcy…Quickly!](https://mernalaw.com/how-to-buy-a-house-quickly-after-bankruptcy/): by John G. Merna, Esq. The Secret Of Buying A House After Bankruptcy One of the biggest bankruptcy secrets is... - [A Poor Credit Affects Interest Rate](https://mernalaw.com/poor-credit-affects-interest-rate/): By John G. Merna, Esq. Many people suffer under the stress # # Detailed Content ## Pages ## Posts From Proverbs to the Year of Jubilee, Scripture takes debt seriously and builds release and forgiveness into God’s law. A Christian bankruptcy lawyer explains what the Bible teaches. Is filing bankruptcy a sin? No — Scripture never calls it one, and the Bible builds debt release into God’s law (Deuteronomy 15). A Christian bankruptcy lawyer explains. Credit unions like Navy Federal have the right of offset and cross-collateralization clauses that can surprise borrowers in bankruptcy. Here’s what military families should know before filing. The Servicemembers Civil Relief Act (SCRA) caps interest at 6%, pauses lawsuits, and blocks certain collections during service. A plain-English guide — and how it works with bankruptcy. STAR Card (AAFES) and Navy Exchange (NEX) debt has no special status in bankruptcy — it can be discharged. Here’s how it works for service members.