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What is a Warrant in Debt?

February 14th, 2012 by Robert Brandt  |  View Comments  |  Filed under Lawsuits and Bankruptcy

Warrant in Debt is simply a legal document that advises you that someone is suing you. Ignore a Warrant in Debt and a judgment will be entered against you. Once a judgment is in place, there is a good chance that a garnishment will follow. Read More →

Can you pick and choose which creditors you want to list in your bankruptcy case?

April 9th, 2011 by Robert Brandt  |  View Comments  |  Filed under Chapter 7 Bankruptcy

If you are getting ready to file for bankruptcy, must you disclose all of your creditors to your bankruptcy lawyer? Must you list the names and addresses of all of your creditors on the bankruptcy petition? The answer to both questions is an emphatic yes. And that is the case whether you are filing a chapter 7 bankruptcy case or a chapter 13 bankruptcy, though in a … Read More →

Why People Declare Bankruptcy?

December 28th, 2010 by Robert Brandt  |  View Comments  |  Filed under Bankruptcy in VA and DC

There are many misconceptions as to why people declare bankruptcy.  For starters, filing for bankruptcy is anything but an easy decision for folks. As just about any bankruptcy lawyer will tell you, the vast majority of people dread declaring bankruptcy. This is not a decision people choose to make, but rather one they have resigned themselves to make.  How do I know this to be true? Because … Read More →

Should I File for Bankruptcy?

November 22nd, 2010 by Robert Brandt  |  View Comments  |  Filed under Bankruptcy in VA and DC

So you are sitting there in front of your computer and doing a search online as you contemplate hiring a bankruptcy attorney. You have decided it is finally time for you to file for bankruptcy. Now it is just a matter of deciding which bankruptcy route to take and which lawyer to hire. You stumble onto my web site. You call and make an appointment and then … Read More →

Why Loan Modifications May Result in Bankruptcy

November 3rd, 2010 by Robert Brandt  |  View Comments  |  Filed under Saving Your Home From Foreclosure in VA

This blog is a follow up to my previous article titled, “Loan Modifications, Foreclosure and Bankruptcy.” In this article, I would like to focus on the fact that the HAMP program goes beyond merely offering false hope, but in fact leads to what could have been a preventable chapter 13 bankruptcy filing. Allow me to explain. The process of getting a loan modification almost always takes months … Read More →

When Should I See a Bankruptcy Lawyer?

November 2nd, 2010 by admin  |  View Comments  |  Filed under Bankruptcy in VA and DC

Remember that old Master Card commercial? You know the one that went something like this: Your daughter’s dream wedding dress $3,000, securing the perfect venue for the wedding $5,000, feeding over 100 guests $10,000. Seeing your little baby girl walking down the aisle for the first time…priceless. Some things in life money just can’t buy, for everything else, there’s Master Card. And how in the world does … Read More →

Loan Modifications, Foreclosure, and Bankruptcy

November 2nd, 2010 by admin  |  View Comments  |  Filed under Saving Your Home From Foreclosure in VA

When it comes to loan modifications and the Home Affordable Modification Program (HAMP), the old mantra of, “Hope for the best, but prepare for the worse” could not be more true. Unfortunately, for most homeowners who are counting on a HAMP loan modification in order to prevent a foreclosure on their home, the ordeal they face is just a stepping stone to bankruptcy.  But before I get … Read More →

Debt Settlement Companies OR Bankruptcy: Which is the Better Option?

October 29th, 2010 by admin  |  View Comments  |  Filed under Debt Settlement Companies

Debt settlement companies are smart.  They know your weakness. They know that for the majority of folks out there, filing for bankruptcy is the last thing in the world they would ever consider doing.  Debt settlement companies understand all too well that there are people out there like my Dad who would rather cut off his left hand and go without food and water for a week … Read More →

A Call To Action: Help Increase Virginia’s Bankruptcy Exemptions

August 18th, 2010 by Robert Brandt  |  View Comments  |  Filed under Virginia Bankruptcy Exemptions

Fact: In a given year, more people will file for bankruptcy than will file for divorce. Think about that for a moment. Everyone seems to know at least one person who has gone through a divorce or is in the midst of a divorce. My point? Your family members, friends, neighbors, and friends of friends have or may need to file for bankruptcy at some point. The … Read More →

Why Virginia’s Bankruptcy Exemption Laws Must Be Amended.

August 9th, 2010 by Robert Brandt  |  View Comments  |  Filed under Virginia Bankruptcy Exemptions

I am fond of saying that Virginia is not really for lovers, but rather for creditors. It is no secret that Virginia tends to have a creditor bend to it. Case in point, Virginia’s bankruptcy exemptions which can only be described as meager. In fact, the bankruptcy exemption laws in Virginia have not been increased since 1977! That’s not a typo folks. The last time Virginia’s legislatures … Read More →