York County Bankruptcy
The Commonwealth of Virginia has many historical cities that have played a role in our country’s story. York County however, is the unincorporated seat of the famed Yorktown. With many tributaries of the York River, York borders the cities of Williamsburg, Newport News, Hampton and Poquoson and even James City County. York for many Virginia residents (nearly 500,000) is the heart of Hampton Roads. With miles of waterfront residential homes and recreational areas, it also boasts several important military installations. For many of its 20,000 households, financial hardships due to economic uncertainty and COVI19 have been 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 York County 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 York County 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 York County 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 York County 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 York County 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.