How Can I Stop a Garnishment?

Posted by Bruce White | Jun 17, 2021 | 0 Comments

How Can I Stop a Garnishment? A garnishment happens at the request of a Creditor who has obtained a judgment against you. A private creditor cannot garnish you without a final Court judgment in hand (although they often threaten to do so without one). On the other hand, a governmental entity, su...

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Will I Lose My Car Or House In Bankruptcy? - Updated

Posted by Bruce White | Jun 08, 2021 | 0 Comments

WILL I LOSE MY CAR OR HOUSE IN BANKRUPTCY? One of the first questions I am asked is, “will I lose my car or house if I file a bankruptcy petition?”  It is an important question and it is a question you should ask and have answered by your bankruptcy attorney.   The short answer is yes, you could...

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Covid-19 Update

Posted by Bruce White | Mar 24, 2020 | 0 Comments

Our office is open on a limited basis as we navigate COVID-19 together. What matters most is that our clients are safe and stay healthy. We are maintaining a safe margin of time between each appointment to ensure you do not have contact with anyone in the waiting area and we are sanitizing the ar...

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Can I Keep My Car in Chapter 7 Bankruptcy?

Posted by Bruce White | Jun 22, 2018 | 0 Comments

Many people worry about losing all of their belongings, especially their car, when they file for Chapter 7 bankruptcy. Fortunately, there is a way to keep it. When you file for bankruptcy, you can protect property that you'll need to work and live by “exempting” it from your bankruptcy case. So...

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Can I Get Rid of Mortgages through Bankruptcy?

Posted by Bruce White | Jun 08, 2018 | 0 Comments

When it comes to bankruptcy, one of the most common questions our firm receives is “can bankruptcy eliminate mortgages from my home?” The answer is yes, but under specific circumstances. If your house has decreased in value since you purchased it, a Chapter 13 bankruptcy may help you get rid o...

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The Bankruptcy Means Test

Posted by Bruce White | May 21, 2018 | 0 Comments

In order to determine if you are eligible for a Chapter 7 bankruptcy, you must first take the means test to evaluate your income and debts. Most people facing bankruptcy would rather file a Chapter 7 since it completely removes most debts and you are not required to make monthly payments. Howe...

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How to Choose a Qualified Bankruptcy Lawyer

Posted by Bruce White | May 14, 2018 | 0 Comments

Since bankruptcy law is complex, navigating the process on your own can result in making costly mistakes. Fortunately, having a knowledgeable bankruptcy attorney is a great way to avoid committing errors that result in losing valuable property. But if you've never filed for bankruptcy before, you...

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Hiding Assets in Bankruptcy: What are the Consequences?

Posted by Bruce White | Apr 25, 2018 | 0 Comments

When going through bankruptcy, it is imperative to ensure all assets are considered and the integrity of the process is secured. If, however, an individual seeking to complete bankruptcy hides any of his/her assets, he/she may face severe penalties. The following are several ways people attempt...

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Will Bankruptcy Eliminate Tax Debts?

Posted by Bruce White | Apr 11, 2018 | 0 Comments

In many cases, a debtor is still responsible for paying off their tax debt after bankruptcy. However, bankruptcy law grants the discharge of debt only in some circumstances. When you file a bankruptcy case, an injunction—which is a type of court order—called the automatic stay goes into effect to...

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Budgeting with the 50/30/20 Rule

Posted by Bruce White | Mar 16, 2018 | 0 Comments

A huge obstacle you will encounter when you start to manage your money is learning how to properly write a budget. After filing for bankruptcy, you would want to know how to keep better track of your spending in order to make better financial decisions. The 50/30/20 rule for budgeting is a great ...

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What To Do After Bankruptcy

Posted by Bruce White | Mar 02, 2018 | 0 Comments

Having a bright financial future after bankruptcy means taking back control of your finances and, most importantly, making smart decisions. One of the most helpful ways to accomplish these goals is to create a “bankruptcy to-do list” in order to ensure that you are being conscious about how you s...

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Can I Buy a Home After Bankruptcy?

Posted by Bruce White | Feb 15, 2018 | 0 Comments

Declaring bankruptcy eliminates your ability to borrow money, apply for a new credit card, and even take out a mortgage on a home. Fortunately, with proper preparation, financial planning, and patience, you may be able to purchase a home sooner than you anticipated. The following are helpful wa...

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How to Improve Your Credit Score Post-Bankruptcy

Posted by Bruce White | Feb 01, 2018 | 0 Comments

Declaring forbankruptcy can have a negative impact on your credit score, resulting in difficulty getting loans approved or increasing credit lines. Fortunately, you are still able to salvage your credit score despite falling on hard times. The following are helpful tips to improve your credit s...

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Getting Your Bankruptcy Certificates

Posted by Bruce White | Jan 11, 2018 | 0 Comments

Life has a way of throwing curve balls and when it does, it can seriously affect your finances. While most people have the best intentions of paying their bills and taking care of their responsibilities, certain circumstances may arise where filing bankruptcy is the best route to take. If you ar...

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Use These Financial Apps to Save Money

Posted by Bruce White | Jan 04, 2018 | 0 Comments

Smartphones can help to make our lives more productive in many ways, and when it comes to finances, there are many helpful apps available. When saving money is your goal, you will find that using the following financial apps can help you on your journey. Tracking Money Mint Money Manager - An ol...

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What to Expect in the Bankruptcy Process

Posted by Bruce White | Dec 26, 2017 | 0 Comments

Many people are intimidated by the thought of declaring bankruptcy, and as such don't really like to think about the process or what might lie ahead of them. However, not knowing what to expect leads to a lot of unnecessary stress caused by uncertainty. To help you better understand the bankruptc...

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Do I Need an Attorney for Foreclosure?

Posted by Bruce White | Dec 13, 2017 | 0 Comments

Lenders may choose to start the foreclosure process if you've fallen too far behind on your payments and go into default on your loan. Foreclosure can be intimidating for some people, and you may be wondering if you should secure counsel from a Richmond bankruptcy attorney to help you through the...

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Are There Alternatives to Bankruptcy?

Posted by Bruce White | Nov 21, 2017 | 0 Comments

For those struggling with debt, you might be considering bankruptcy and trying to figure out if a Chapter 7 or Chapter 13 bankruptcy is best suited for your circumstances. Before you start weighing in on these options, however, you should take some time to consider the alternatives to filing bank...

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Why You Need a Lawyer When Filing for Bankruptcy

Posted by Bruce White | Nov 08, 2017 | 0 Comments

Filing for bankruptcy is a major step and the process itself can be rather frightening since you might not know what the future holds or for how long you might feel the ramifications of this decision. Not only that, but bankruptcy can be complicated and choosing the right options for your situati...

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Pros and Cons of Bankruptcy

Posted by Bruce White | Oct 26, 2017 | 0 Comments

Before declaring bankruptcy, consider the benefits, as well as the potential harm. The positive and negative consequences of bankruptcy will depend on the type of bankruptcy you file for. Here, we address the most common forms of bankruptcy and what you need to know before filing. Chapter 7 Bankr...

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Benefits of Filing for Chapter 13 Bankruptcy

Posted by Bruce White | Oct 18, 2017 | 0 Comments

Chapter 13 bankruptcy is one of the most common routes taken by debtors. The solution it provides fits the majority of people who are heavily burdened by the active repayment of multiple major debts. While bankruptcy has inevitable negative consequences, there are also significant benefits to fil...

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What to Do After Bankruptcy Discharge

Posted by Bruce White | Oct 09, 2017 | 0 Comments

After you have finished the process of declaring bankruptcy, you are ready to begin the long road to rebuilding financial stability. It can be tough to kick old habits and learn to live within your means once debt has become a way of life. However, there are a few simple steps you can take to get...

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How Will Bankruptcy Affect My Credit Score?

Posted by Bruce White | Jul 20, 2017 | 0 Comments

If you're struggling under your financial debt and can't seem to find a way out, bankruptcy may have tremendous benefits for you. However, many people often have significant reservations about bankruptcy and the impact it can have on their financial standing, specifically their credit score. In f...

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