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The bills are piling up. Creditors call constantly. Lawsuits aren't far away and garnishments will soon follow. You may be worried about foreclosure or eviction. If you miss another payment they have threatened to repossess your car. Your next paycheck won't cover the minimum payments on your bills. Beyond the financial burden, debt affects how you feel about yourself. Debt places stress on your marriage or other relationships. Debt can paralyze you mentally and emotionally.
Foreclosure rates hit a 50 year high in the first quarter of 2007, according to a recent Washington Post Article. This national trend is hitting home in this area, as the DC suburbs have seen unprecedented foreclosure rates. The Post reported that the foreclosure rate in Fairfax County has quadrupled, while the rate in Loudoun County has gone up ten times.
- Does Means Testing Apply to My Case?
- How Much Can I Earn?
- How Do I Calculate My Income?
- What If I Earn Too Much?
Legal Historian Charles Warren describes Bankruptcy as a "gloomy and depressing subject." The treatment of debtors throughout history has been rather harsh. Debtors were treated like criminals and subject to imprisonment in a debtor's prison, public humiliation, and in some instances even death.
If you are reading this web site, you are probably wondering about whether you need to file for Bankruptcy protection. To assist you in making this important decision, I offer a free consultation. It usually takes about an hour to go through your financial situation in detail, determine whether you are eligible to file for Bankruptcy, and advise you about your options. I will explain how the Bankruptcy process works and answer your questions.