Facts About Bankruptcy - Sawyer and Azarcon, Bankruptcy and Immigration Law Office, Fairfax, Virginia

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Facts About Bankruptcy
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Facts About Bankruptcy

CAN I GET CREDIT AFTER FILING FOR BANKRUPTCY?	You are entitled to establish credit after filing for bankruptcy. However, each case is different, and obtaining credit following bankruptcy will depend on your particular situation.
DO I HAVE TO GIVE UP EVERYTHING?	No, you are generally entitled to keep all your property. Both state and federal laws exist which outline the property you may keep.
DOES MY SPOUSE HAVE TO FILE WITH ME?	No, Although one advantage of filing together is the doubling of the amount of property you may keep, there is no requirement that a husband and wife have to file together. If most debts are owed only by one spouse, it may be appropriate for that spouse to file alone.
CAN I FILE FOR BANKRUPTCY MORE THAN ONCE?	Yes, but there may be a limit on how soon you can file. Six years must expire from the date of a straight bankruptcy filing before straight bankruptcy can be filed again. Following certain chapter 13 proceedings, there is no limit for the filing of a straight bankruptcy. And there is no limit at all for the filing of a chapter 13 bankruptcy after any prior bankruptcy.
CAN I KEEP MY CAR?	Yes, as long as you are current with your payments, you continue to make regular payments, and maintain insurance. In a chapter 13 you can even pay the back payments through the plan.
DO I HAVE TO GO TO COURT?	There is one brief meeting you must attend. In chapter 13 cases there may be a confirmation hearing, depending on where you live. Your attorney will call you before any hearing and will attend every hearing with you.
WILL MY EMPLOYER FIND OUT?	While the bankruptcy filing is a public record, the court does not notify your employer. In some instances in a chapter 13, there may be a direction to your employer to make the monthly plan payment to the trustee.
WILL I LOSE MY JOB?	No, the law is clear. An employer may not discriminate against anyone who files a bankruptcy.
WILL ALL MY DEBTS BE DISCHARGED?	Certain debts, including some taxes, alimony, and support, student loans, and fines are not discharged in a chapter 7. In a chapter 13 only, alimony, support and taxes due within three years and most student loans must be paid in full.

These are brief answers to frequently asked questions. You must discuss the specifics with your attorney. Once you retain this office, you should refer all creditor calls to us. Your personal contact with us is strictly confidential. If you have any additional questions, please call us.

Sawyer and Azarcon, P.C.
Bankruptcy attorneys with twenty years of experience, Sawyer & Azarcon is a Virginia bankruptcy law firm in Northern Virginia, Fairfax County, Fairfax City, Prince William County, Manassas City, Manassas Park, Fauquier County, Loudon County, Stafford County, Alexandria City, Arlington County, and Falls Church.

Sawyer & Azarcon, specializes in bankruptcy law, consumer bankruptcy, and individual bankruptcy. We are consumer bankruptcy attorneys for all chapter 7, chapter 11, and chapter 13 cases.

Sawyer & Azarcon stops foreclosure, home foreclosures, garnishments, liens, and repossessions.

Sawyer & Azarcon provides debt relief, debt reduction, consumer credit counseling, credit repair under the new bankruptcy law (BAP, CPA), and will assist you in solving all debt problems through bankruptcy information and advice.

Sawyer & Azarcon will assist you in eliminating or reducing your debt and will stop all creditor calls and harassment. We will help you reorganize and get a fresh start. We will help you obtain financing or refinancing.

Sawyer & Azarcon will help you rebuild your credit! Sawyer & Azarcon is a tax and tax defense law firm. We do installment agreements, offers in compromise, tax audits, and tax court cases. We handle both IRS and Virginia tax cases in Northern Virginia, Fairfax County, Fairfax City, Prince William County, Manassas City, Manassas Park, Fauquier County, Loudon County, Stafford County, Alexandria City, Arlington County, and Falls Church. We Make The Law Work For You.