How to Stop Debt Collection Harassment Legally
Filing for bankruptcy generally activates the automatic stay, which can pause most collection efforts. The stay may stop collection calls, debt lawsuits, and wage garnishments while it applies. Chapter 7 and Chapter 13 offer different ways to address the debt behind...
Can Bankruptcy Stop a Lawsuit Before You Go to Court?
Filing bankruptcy may pause many debt collection lawsuits. The automatic stay generally begins when a bankruptcy case is filed. Acting before your scheduled court date may give you more options. Receiving notice of a debt collection lawsuit can make an already...
How Long Does Chapter 13 Bankruptcy Stay on Your Credit Report?
Chapter 13 usually remains on a credit report for seven years from the filing date. Its effect on your score can decrease as you build a stronger payment history. Consistent financial habits can help you rebuild credit after bankruptcy. A Chapter 13 credit report...
What to Do If a Repossession Is Wrongful
Virginia law requires repossession without court involvement to occur without a breach of the peace. Save photos, messages, payment records, notices, and witness information. A wrongful repossession or illegal car repossession can disrupt your ability to work and care...
How Long Debt Collectors Can Legally Pursue Debt
If you are wondering how long a debt can be collected, the answer depends on the type of debt, the age of the account, and the applicable law. In Virginia, the debt statute of limitations can vary, so an old collection letter or lawsuit should never be ignored. What...
What Happens If You Ignore a Warrant in Debt?
Receiving a debt warrant can feel scary, especially if you are already dealing with collection calls, overdue bills, or pressure from creditors. In Virginia, a warrant in debt is a court filing that a creditor may use to ask for a judgment on a debt they claim you...
Chapter 13 vs Chapter 7 Bankruptcy: Which One Fits Your Situation?
The right bankruptcy option depends on your specific income, assets, and long-term financial goals; Chapter 7 focuses on debt discharge to provide a quick fresh start, while Chapter 13 centers on a structured repayment plan to protect property. Choosing between the...
What Debts Are Wiped Out in Chapter 7 Bankruptcy?
Chapter 7 bankruptcy can eliminate unsecured debts, providing a fresh financial start for those overwhelmed by creditors. The elimination of unsecured debts is called a discharge, a court order that releases a debtor from personal liability for specific debts. While...
Tax Liens and Bankruptcy: What You Need to Know
While bankruptcy can wipe out your personal obligation to pay certain older tax debt, the lien remains attached to your assets until the debt is satisfied. Understanding Tax Liens and How They Work A tax lien is a legal claim by a government entity, such as the IRS or...
Can You File Bankruptcy and Keep Your Tax Refund?
Can You File Bankruptcy and Keep Your Tax Refund? It is absolutely possible to file bankruptcy and protect your tax refund! There are laws called exemptions that protect certain property that you own up to a certain amount. There are actually exemptions specifically...
Does Bankruptcy Clear Tax Debt?
Understanding Tax Debt and Bankruptcy Options Key Challenges and Concerns with Tax Debt Taxes are difficult to navigate, and each year tax season brings stress to countless households across the United States. When you owe money on your taxes, it can feel like an...
Can You File Bankruptcy on Student Loans?
The United States Supreme Court ruled against President Joe Biden’s attempts to instate federal student loan forgiveness on June 30, 2023. Many college graduates spent months hoping for relief from their debt. However, following the Supreme Court ruling there...
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