Emporia, Virginia may have under 6,000 residents, but this city, perched on the fall line of the Coastal Plain is a historical commercial hub of Southside Virginia. The City of Emporia (pop. 5,700) is the southern gateway to Virginia. Just 8 miles from the North Carolina line, it is the first municipality on I-95 heading into Virginia. Emporia is an hour’s drive (65 miles) from the Capital City of Richmond, three hours’ drive (180 miles) from the Nation’s Capital, Washington, D.C., and strategically “mid-way between the Big Apple and Disney world.” The residents of Emporia are proud, but even in this busy gateway financial hardships due to economic uncertainty and COVI19 can be felt. Financial hardships and bankruptcy affect nearly everyone in Virginia, even our military.
Bankruptcy is a legal process that releases people from debts they are no longer able to pay. For Emporia citizens and all US consumers there are two types of bankruptcy, Chapter 7 and Chapter 13. Chapter 7 eliminates (or discharges) most debts without further payment. Some debts such as recent taxes and child support are not dischargeable. Chapter 13 is a restructuring of debt and consolidates all of your debt into a court approved “plan”. Most Emporia consumers who do not own their home or have valuable property file Chapter 7 while homeowners typically file Chapter 13 which allows them to keep their homes while under the court appointed plan.
While it is possible to conduct these legal processes on your own, bankruptcy can be a complicated process and challenging for most people. Individuals in Emporia that are comfortable with legal jargon, forms and court processes are likely candidates for self filing. However, It is better to work with someone to work on your behalf to insure your filing process is efficient and results in a successful discharge of your debt the first time. Merna Law has helped thousands of Emporia and regional residents navigate the process and has free consultations and convenient payment plans. A free phone call with one of our bankruptcy lawyers is a great first step in deciding if your current financial situation would improve as a result of bankruptcy.
We are committed to helping residents of Emporia and surrounding communities get back on their feet as painlessly and quickly as possible.
VIRGINIA BANKRUPTCY ATTORNEYS
Merna Law are bankruptcy attorneys in Virginia serving the citizens of Virginia Beach, Newport News, Richmond, Norfolk, Chesapeake, Suffolk, Portsmouth, Hampton, Gloucester, York, Williamsburg, Henrico, Chesterfield, Fredericksburg, Eastern Shore, Petersburg, Hopewell, Franklin, Midlothian, Chester, South Hill, and Emporia.
Alert for Emporia residents – The U.S. Banruptcy Court for your jurisdiction is located at 701 E. Broad Street, Richmond, VA 23219 (@37.5411193,-77.4378043)
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