Bankruptcy Attorney in Alexandria, Virginia. No Forms. No Hassle.
THINKING ABOUT FILING FOR BANKRUPTCY? YOU ARE NOT ALONE.
Do you know someone who has filed for bankruptcy? Chances are you do. In 2010, a near record number of people filed for bankruptcy in Alexandria, VA, Fairfax, VA and the surrounding Northern Virginia area. Nationwide, more than 1.5 million Americans filed for bankruptcy. Studies and research show that as many as three out of four Americans live paycheck to paycheck and would be unable to keep their home or possessions if an unexpected expense or loss of income occurred. And so, if you are considering hiring a bankruptcy attorney to represent you in a chapter 7 or chapter 13 bankruptcy case, realize that you are not alone.
Serving the Northern Virginia area, including Alexandria, Fairfax, Arlington, Loudon and Prince William County, I am a bankruptcy lawyer whose practice is almost exclusively devoted to bankruptcy work. As such, I am also considered to be a debt relief agency. I proudly help people get their fresh start by filing for bankruptcy under the bankruptcy code.
SHOULD I FILE FOR BANKRUPTCY?
Deciding to file for bankruptcy can be a very difficult decision. But, ask yourself the following questions:
- Are you behind on your mortgage or facing foreclosure?
- Has the loan modification you sought under President Obama’s Making Home Affordable Program (HAMP) not gone as planned?
- Are you being sued by the bank following a short sale?
- Is your paycheck being garnished?
- Has your credit card debt load become unmanageable?
- Are you facing thousands of dollars in tax debt owed to the IRS?
- Is your security clearance in jeopardy?
- Is your bad credit preventing you from getting a job?
- Are you being sued? Have you been served with a Warrant in Debt?
- Are you scared of picking up the phone when it rings?
- Has a debt management plan failed to offer you the relief you sought?
- Are you looking for a fresh start?
If you answered yes to any of these questions, then chances are you need bankruptcy relief. By working together we can stop the foreclosure of your home and possibly save your home, we can put an end to the garnishment of your paycheck, wipe away thousands of dollars in credit card debt and medical bills, and end those harassing phone calls. In short, together we can get you that fresh start you are looking for and help you get on with your life.
DO NOT FORGET ABOUT THE INTANGIBLE BENEFITS OF BANKRUPTCY.
Bankruptcy does more than just wipe away debt, help you deal with a pending foreclosure, and step in when you are being sued. Bankruptcy can offer emotional relief. Many of my clients tell me that they cannot sleep at night, cannot focus at work, and in some situations, that they and their partner have discussed divorce as a result of the financial strain. Filing for bankruptcy can put an end to that. The majority of my clients tell me that they feel like a great weight has been lifted off their shoulders once their bankruptcy case is underway and they are able to return to their normal routine. Bankruptcy relief can be measured in ways not captured on a spreadsheet.
DEALING WITH THE UNCERTAINTY AND FEAR OF FILING FOR BANKRUPTCY.
If you are like most of my clients, you are probably wondering how long your bankruptcy will stay on your credit report. The bankruptcy filing will appear on your credit report for up to ten years. But, the fact of the matter is that you will typically see your credit score improve each year after your bankruptcy filing. Why? Because the debt to income ratio is a major factor in determining your credit score. The bankruptcy discharge typically gets rid of the bulk of your debt. And, as long as you have been paying your bills on time after your bankruptcy case, you will likely be able to get financing for a car loan or a home mortgage at good rates in as little as three years. The credit score focuses primarily on what has been going on in your life during the past three years. Finally, while having a good credit score is certainly critical, so is your employment history. Having a good paying job for a number of years will do wonders for your ability to get a loan of any type. Bottom line: Bankruptcy is a bump in the road, but certainly not the end of the road! There most certainly is life after bankruptcy.
As for the emotional aspect of having to file for bankruptcy, I understand that it is the last thing in the world that you want to do. I understand that you never imagined yourself being in a position where you would be seeking the help of a bankruptcy lawyer. And I certainly understand that you have done everything within your means to avoid having to file for bankruptcy. But you have to ask yourself, would you not like to live in a world where you did not cringe each time the phone rings? Would you not want to live in a world where you did not have to worry about lawsuits and garnishments? Would it not be nice to stop living in fear? Take control of your life. Take the necessary steps to become debt free.
As one of my clients wrote, “I have spent the last 4 years procrastinating filing bankruptcy as the harassing phone calls from creditors rang through to my cell phone with no reprieve. Finally in October 2010 I made the huge leap (or so I thought) to finally search for an attorney in my area and file my case. I had called a couple of local Bankruptcy Attorney’s whose first response was to “go online and fill out all of the paperwork before entering the office.” I work full time and have an infant, filling out paperwork for hours online is just NOT possible. I made one last attempt to contact a lawyer who would be able to work with my needs and schedule, this is when I found Robert Brandt. He made filing easy, stress free and quick! Thank you Robert for lifting the load off my shoulders that I have been carrying for YEARS…I cannot thank you enough.”
While filing for bankruptcy is a tough decision, it is a decision that can lead to a new beginning. CALL RIGHT NOW TO SET UP YOUR FREE INITIAL CONSULTATION. The sooner you call, the better you will feel.
If you are interested in learning more about bankruptcy and your options, please visit my Alexandria, Virginia Bankruptcy Blog.