Hampton Roads is a collection of diverse sister cities, no two of which are closer in many ways than Hampton to its nearest neighbor, Newport News. Hampton connect the peninsula to the southside by way of the (HRBT) Hampton Roads Bridge-Tunnel to city of Norfolk. Hampton is home to 135,000+ residents that work in a number of industries from military to healthcare or attend college at Old Dominion University. The personality of Hampton is a mix of old soul in places like Fort Monroe to enthusiastic with the attractions like the Hampton Coliseum, Hampton Convention Center and beaches along the Chesapeake Bay. Hampton has been through much in terms of development and is accustom to change. For the many people that live, work and go to school in Hampton, things like COVID and economic uncertainty has had large impacts on its citizens. Financial hardships and bankruptcy affect nearly everyone in Virginia, including our military.
Bankruptcy is a legal process that releases people from debts they are no longer able to pay. For Hampton 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 Hampton 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 Hampton 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 Hampton and peninsula 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 Hampton and our 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 Hampton residents – The U.S. Banruptcy Court for your jurisdiction is located at 2400 West Ave, Newport News, VA 23607 (@36.9763824,-76.4333692)
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