Posted on

Advice for Litigating Your Virginia Warrant of Debt

Warrant of Debt

Experiencing the stress of a lawsuit can be overwhelming if you are not familiar with the legal process. When facing a warrant in debt in Virginia, it is important to understand the steps involved in litigating the case. Here are some tips and advice to help you navigate the process of litigating a warrant of debt.

Start With a Consultation Call

Before doing anything else, it is important to contact an experienced attorney to discuss your case. An attorney can provide valuable advice on the legal process, potential outcomes, and the steps you should take moving forward.

Diligence is Key

Litigating a warrant of debt is a complex process that requires thorough research and preparation. It is important to be organized and keep meticulous records of all communications and documents related to the case.

Keep an Open Mind and Be Flexible

It is important to try to be reasonable when negotiating a settlement with the creditor. Your lawyer can help you understand the creditor’s position and the potential outcomes of a lawsuit.

Provide as Much Detail as Possible

It is important to provide your lawyer with all the details of your case. Be sure to include any documentation or evidence that may be relevant to the case. This will help your lawyer understand the facts and the legal issues involved.

What to Look for in a Lawyer

When litigating your warrant of debt, you want the best legal representation possible. Here are some things to look for in a lawyer when selecting representation for your case:

Experience: Look for an attorney who has experience litigating warrants of debt and is familiar with local court rules and procedures.

Reputation: Ask around and research the lawyer’s reputation in the legal community.

Communication: Make sure the lawyer you select is willing to communicate clearly and regularly with you about the progress of your case.

Cost: Make sure you understand the costs associated with the lawyer’s services and are comfortable with the fee structure.

Let The Law Offices of Robert S. Brandt Litigate Your Warrant of Debt

The Law Offices of Robert S. Brandt are experts in litigating warrants of debt in Northern Virginia and Washington, DC. Our experience and track record of successful cases speak for themselves. We understand the legal process and the potential outcomes of a warrant of debt. We are committed to providing our clients with the best legal representation possible. Request a consultation, and discover how we can help you.

Posted on

How to Qualify for Filing Chapter 7 Bankruptcy in Virginia

Filing Chapter 7 bankruptcy isn’t something you want to do lightly. There are a number of steps you need to take before filing, and you must first determine whether you qualify for filing Chapter 7. This is done through a means test, among other steps. Here’s how to know whether you qualify for filing Chapter 7 and how an experienced lawyer in Virginia can help you through this process.

The Virginia Bankruptcy Means Test

To qualify for Chapter 7 bankruptcy in Virginia, you must meet certain financial eligibility requirements. The most important of these requirements is that you must have enough income to cover your monthly expenses. If you cannot afford to pay your bills, you will not be able to file for bankruptcy in Virginia.

This means test will determine whether you are able to repay your debts in a reasonable amount of time, based on your income. If your income falls below the Virginia median for your current household size, you will be exempt from the means test, and qualify for filing Chapter y.

The Means Test Exemptions

There are a number of factors that can exempt you from the Virginia Bankruptcy Means Test. The first is if your debts are not primarily consumer debts, you are exempt. You don’t need to take the means test if you are a disabled veteran and have incurred debt mostly during your active duty or while performing activities in the service of homeland defense.

The Virginia Median Income

If you do not qualify for the Virginia Bankruptcy Means Test, your income is below the median income for your household size. This is determined by your average monthly income calculated over the past six calendar months. If your income has declined over the past six months, but you are over the limit, it’s possible to wait another month or so for your income to move below the Virginia median. The final step is to multiply your average monthly income by 12 for the test. Based on your household size, these are the median Virginia incomes:

1 – $51,817.00

2 – $65,510.00

3 – $75,774.00

4 – $90,945.00

5 – $99,045.00

6  – $107,145.00

7 – $115,245.00

8 – $123,345.00

9 – $131,445.00

10 – $139,545.00

The Means Test

To complete the means test, you must calculate income and expenses, and subtract all allowed expenses for Virginia from the total income amount. This will be the income amount under bankruptcy available to pay unsecured creditors.

Filing Chapter 7 With the Help of The Law Office of Robert S. Brandt

While you may be able to file Chapter 7 bankruptcy, it’s not always recommended to do so. The Law Office of Robert S. Brandt can help you understand your options and determine whether bankruptcy is the best option for you. If you qualify, our experienced lawyers can guide you through the bankruptcy process and help you to emerge from it with your finances in better shape. Contact us today to request a consultation.