Hopewell is an independent city surrounded by Prince George County and the Appomattox River. Although The Bureau of Economic Analysis combines the city of Hopewell with Prince George County for statistical purposes, Hopewell has a story all its own. Even before its incorporation in 1916, Hopewell was a city of industrious migrants many of which populated the city working in factories and opening small businesses. As with many Virginia cities, The Civil Rights Movement and the plight of African Americans has deep roots here. Hopewell is a place of perseverance and has over come much socially and economically. Today, over 22, 000 Virginians call this proud and vibrant community home. For the many people that live here, 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 Hopewell 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 Hopewell 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 Hopewell 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 Hopewell 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 Hopewell and our surrounding communities get back on their feet as painlessly and quickly as possible.
VIRINGIA BANKRUPCY 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.