Norfolk is our waterfront city and one of the world’s greatest harbors. Home to the Naval Station on the Chesapeake Bay, Norfolk is the well known for arts, entertainment, Virginia history and a culture that is hard to find in other Hampton Roads cities. Norfolk is home to Nauticus Maritime Museum (complete with the Battleship Wisconsin), The Chrysler Museum of Art and the Virginia Zoo just to name just a few things that make Norfolk special. With nearly a quarter million people calling Norfolk home in over 86,000 households, Norfolk struggles with growth and changing economic times. Norfolk is home to the Eastern District of Virginia Bankruptcy Court which serves Hampton Roads and all of our neighboring communities.
Bankruptcy is a legal process that releases people from debts they are no longer able to pay. For Norfolk 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 Norfolk 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 Norfolk 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 Norfolk and south side 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 Norfolk 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 Norfolk residents – The U.S. Banruptcy Court for your jurisdiction is located at 600 Granby St., 4th Floor, Norfolk, VA 23510 (@36.8536006,-76.3585856)
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