Articles from Robert Weed

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What’s a Judicial District in Virginia for FDCPA Purposes

Submitted by Anonymous (not verified) on Tue, 12/26/2023 - 15:41

The FDCPA requires that a debt collector sue you in the right judicial district.
Virginia is divided into Judicial Districts. You can see that map here.
In Northern Virginia, most district are one county. But Loudoun and Fauquier share one district. Stafford is in with Fredericksburg and Spotsylvania. So if you live in Stafford, they can sue you in Spotsy. And if you live in Fauquier, they can sue you in Loudoun. Right?
That’s what we thought.

What is Bankruptcy & What Are Bankruptcy Chapters?

Submitted by Anonymous (not verified) on Tue, 12/26/2023 - 13:35

What Is Bankruptcy?
Bankruptcy gives a fresh start to honest debtors. That’s what the Supreme Court said more than seventy years ago. A fresh start to honest debtors and a clear field for the future. (As an aside, we know how hard it can be to decide if bankruptcy is right for you, that’s why we encourage you to read our many client reviews.)

What Does Chapter 13 Cost in Virginia

Submitted by Anonymous (not verified) on Tue, 12/26/2023 - 00:22

Chapter 13 is price controlled by the bankruptcy judges. In August 2023, they set the fee at $6339.
We get about half up front, and the rest out of the Chapter 13 payment you make to the court.
So up front, $700, $1000, and $1100. Then $3529 from your payments–that works out to $65 a month over a five year Chapter 13.
Here’s the Chapter 13 fee Agreement

My video explains the court papers you sign where we file your case with the bankruptcy court.

Submitted by Anonymous (not verified) on Mon, 12/25/2023 - 23:48

Your Bankruptcy Papers
“Here are the papers we sign and file, to get your bankruptcy officially started. This is a half-hour video.”
 

You Don’t Want a Tax Refund in Chapter 13

Submitted by Anonymous (not verified) on Mon, 12/25/2023 - 23:09

When you’re in chapter 13, you don’t want a tax refund. Why? If you get a refund more than $250.00, you have to send it in to the bankruptcy trustee. So you don’t want to over-withhold.
You also don’t want to under-withhold. Why? Because on April 15, you’ll owe a tax payment. And you probably won’t have money available to pay it.
So you want as far as possible to break even when the taxes are filed.

Miscellaneous Virginia Bankruptcy Questions

Submitted by Anonymous (not verified) on Mon, 12/25/2023 - 22:59

What About ….?
What about my bank account?
Filing bankruptcy does not force you to close your bank account. (Many credit unions will fire you as a customer.) If your credit is already so bad you can’t open an account, try TD Bank, a new bank in Northern Virginia. Another option is Wood Forest Bank, in some of the larger Walmarts, including the one on Liberia Avenue in Manassas..
What about immigration status?

Rats! I need a new car and I’m stuck in Chapter 13

Submitted by Anonymous (not verified) on Wed, 09/06/2023 - 00:37

Do You Need to Finance a Car in Chapter 13? The last thing you want to do is get further into debt while you are in Chapter 13.  (The goal of Chapter 13 is to get out of debt.)  But sometimes you need to replace a broken down junker. So, you need financing for a […]

Rats! I need a new car and I’m stuck in Chapter 13

Submitted by Anonymous (not verified) on Wed, 09/06/2023 - 00:37

Do You Need to Finance a Car in Chapter 13? The last thing you want to do is get further into debt while you are in Chapter 13.  (The goal of Chapter 13 is to get out of debt.)  But sometimes you need to–most often if you need to replace a junker car. There are […]

Chapter 13 Payment Information

Submitted by Anonymous (not verified) on Sun, 06/04/2023 - 22:08

Here’s How You Can Make Your Chapter 13 Payments in the Alexandria VA Bankruptcy Court The bankruptcy law tells you to make your first Chapter 13 payment one month after your bankruptcy case is filed.  If you forget, or bounce, your first payment, the Chapter 13 trustee can dismiss your case. (That means DO NOT […]

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