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BANKRUPTCY CONSULTATION

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If you are filing your petition for bankruptcy in Richmond Virginia, Please make a mental note of what the Richmond Bankruptcy Court looks like.  The Bankruptcy Court is located at 701 E. Broad Street     Richmond Virginia 23219

After Bankruptcy Credit

Free Credit Report ----->

Bankruptcy Means Test ----->

Do I qualify for Chapter 7? OR will I have to file Chapter 13?  This is determined by the bankruptcy means test.  We have provided some information to the right, but beware the bankruptcy means test can be tricky.  Give one of our expert attorneys a call to fully protect your rights.  We say beware because in the bankruptcy process, the bankruptcy law requires you to file accurate and absolutely correct information.  Don’t go it alone or with an inexperienced bankruptcy lawyer  Call us NOW! 804-358-2222

FREE TELEPHONE BANKRUPTCY CONSULTATION (804) 358-2222

 You may call us and we will be more than glad to spend whatever time it takes to listen to your situation, answer your questions, discuss our fees and payment plans, and in many cases we may be able to offer you a bankruptcy strategy or other alternative over the telephone.

EVENING, WEEKEND AND EMERGENCY APPOINTMENTS

In many cases we realize that we need to act quickly and we do not mind coming into the office in the evening or on a weekend if it means stopping a foreclosure on your house or the repossession of your car or the garnishment of your wages
We are completely computerized which means we can file your petition from our office directly to the court (even on weekends and holidays) and give you and the creditors a case number while you are still sitting in our office.  In most cases, if you bring in the needed information we can file for you on your first visit.    Emergency Contact Number: My Cell Phone - (804) 840-0878

AFFORDABLE  FEES AND PAYMENT PLANS

Filing a bankruptcy petition is not cheap but we will make it affordable for you and work hard to come up with a payment plan you can afford.  The costs are generally as follows:

Once we speak with you and determine what needs to be done in your individual case we can tell you what the attorney fees will be.   Just call us and we will try to work out a payment plan that you can afford.  In many cases we can put the balance of the attorney fees into the Chapter 13 bankruptcy payment plan and we will be paid each month by the trustee along with your other creditors.  In a Chapter 7 bankruptcy case we can set up a payment plan for you.

EXPERIENCED AND DEDICATED

ATTORNEYS

Attorney Cochran has been in the consumer bankruptcy practice since 1989.  We handle consumer Chapter 7 Bankruptcy and Chapter 13 Bankruptcy cases.  We do not represent creditors, only the consumer.  We pride ourselves on being prepared when we go before the trustees or the Bankruptcy Judges.  We have good working relationships with many of the creditors lawyers.  If there is a problem we work hard in trying to resolve the problem before it gets to court.  This saves you time and money.  Our Virginia Bankruptcy Attorneys are experts at protecting your legal rights.

After filing for bankruptcy, initially your credit will be worse; But, gradually after filing for bankruptcy your credit score will  increase.  And over time, your credit will continue to get better.  And after one year after filing for bankruptcy, your credit score should be much better than it is now.  If you put off filing for bankruptcy, it may take 7 years before your inactive collection accounts are removed from your credit record.

For a limited Time, Cochran Bankruptcy Law Firm is offering a free bankrptcy credit report with their regular free bankruptcy consultation, if you file a chapter 13 or a chapter 7 with our firm.  Please Call for details!  804-358-2222

The bankruptcy means test is a calculation designed to identify debtors who can afford to pay some of their unsecured debts (for instance, credit card debt) and encourage repayment of these debts through a Chapter 13 repayment plan.  The first part of the means test determines whether your current monthly income is less than your state’s median income for a household of your size. 

If your family’s income is less than your state’s median income for a family of your size, you PASS the means test.  There is no other testing and you can proceed with a Chapter 7 bankruptcy.  The current state median income figures can be found at the U.S. Trustee’s website: http://www.usdoj.gov/ust/eo/bapcpa/meanstesting.htm.

If your family’s income is more than your state’s median income, you must complete the means test worksheet to calculate if you have (or should have) money to repay unsecured creditors.  In the end if you are able to pay a significant portion of your unsecured debt, you will FAIL the means test and cannot file a Chapter 7 bankruptcy.

The truth is that most debtors pass the means test without any difficulty based upon their income.  Others pass the means test after a skilled bankruptcy attorney has examined your income sources and made certain elections in completing the calculation.  That is not to say that the test can be manipulated!  On the contrary, the skilled bankruptcy attorney will work within the bankruptcy statutes, rules, case law, and local interpretations (which can vary a great deal among jurisdictions!) to obtain the best result from the means test. 

If you have questions or concerns about passing the means test, We provide expert competent legal advice.  Give us a call and  an experienced bankruptcy attorney can guide you through the means test to reach the best possible result for your circumstances.  Filing for bankruptcy can be tricky!
 

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Content copyright 2010. Yvonne Cochran, Attorney at Law. All rights reserved.

When Filing or considering Bankruptcy in Richmond Virginia (or anywhere in Virginia), You need a Great Virginia Bankruptcy Attorney that genuinely cares about you and your situation.   Kindness counts and our customers opinions of us matter very much to us and should matter to you as well.

Your Relationship with your Virginia Bankruptcy Attorney need not be impersonal!!!

Are you looking for an affordable Virginia bankruptcy lawyer in Richmond or anywhere in Virginia?  Call 804-358-2222 NOW for a free telephone bankruptcy consultation.

Our Richmond bankruptcy lawyers offices now has a Spanish Speaking bankruptcy attorney to better serve our bankruptcy clients.  Bankruptcy is our main business which allows us to focus on what is most important - your rights.

The attorneys in our richmond VA offices practice bankruptcy law - that’s IT!

If you need debt relief, debt settlement, credit card debt relief, bankruptcy attorney services give us a call, we are a small firm that provides personal professional attorney services related to bankruptcy every day in our Attorneys offices in Richmond Virginia

We are the best bankruptcy lawyers in Richmond Virginia come on in and let us prove it to you.  804-358-2222