Find Your Financial True North
North Law for Financial Recovery
Specializing in Bankruptcy Law
Find Your Financial True North
North Law for Financial Recovery Specializing in Bankruptcy Law
Types of Debt North Law Bankruptcy Attorneys Can Help You Eliminate
—No Pressure —Debt Free Consultation
—No UpFront Fee Consultations
—Savvy Legal Advice
- Chapter 7
- Chapter 13
- Non-Bankruptcy Alternatives
Make Your Appointment Today (804) 739-3700
- Credit Cards
- Medical Bills + Medical Cards
- Car Repossession
- Unsecured Bank Loans
- Broken Leases + Deficiencies of Mortgage
- Rental Furniture and much more!
"I was in a bad situation financially due to overwhelming medical bills. Pia helped me tremendously. Her staff treated me like family and helped me every step of the way. I now have a fresh start and a future without late notices, judgments, and annoying phone calls."
Uncomplicated Answers to Bankruptcy Questions
You have questions about your financial situation and want straight, actionable answers. Most legal professionals offer complicated legal-ese, rather than down-to-earth answers. North Law is here to help the Richmond, VA community navigate bankruptcy and stress-filled financial situations.
- You've got questions:
- What’s the difference between Chapter 7 bankruptcy and Chapter 13 bankruptcy? Which do I file?
- Can I keep my home if I file bankruptcy?
- Will bankruptcy stop me from being evicted?
- How can I keep my car from being repossessed?
- How do I stop the harassing creditor calls?
Retain North Law and forward those aggressive debt collector calls to us!
We are empowered with federal laws that can provide immediate relief from a warrant in debt, garnishment, repossession, foreclosure, eviction, or anything else that threatens your ability to provide for your family.
North Law is here to help simplify this complex legal process for you. For starters, we will review your case and your assets to decide whether Chapter 13 or Chapter 7 bankruptcy is best for you. Filing either Chapter 7 or Chapter 13 bankruptcy can help protect you from foreclosures, repossessions, wage garnishments, and debt-collection lawsuits.
Financial stability is not out of reach. How would it feel to eliminate overwhelming financial debt and achieve financial stability? Bankruptcy can help you crush your debt, optimize your finances.
Call for Your Appointment Today
(804) 739-3700
"Just a month ago [we] were convinced that everything we had tried so hard to hold onto was just going to be gone. With all of your help, patience, and willingness to be there...for the first time in several years, we can breathe."
Should I Hire a Lawyer to File Bankruptcy?
If you’re in debt and seriously considering filing for bankruptcy, you can file on your own, known as a “pro se” debtor, or file with the assistance of a bankruptcy lawyer. The legal process for filing bankruptcy--whether Chapter 13 or Chapter 7 bankruptcy--is complex. North Law simplifies this process as your supporting team.
Filing without Bankruptcy Attorney is not recommended.
The bankruptcy process is extensive, including paperwork, hearings, collecting and analyzing financial records, and deadlines. One small mistake in filing can result in the dismissal of your bankruptcy case.
North Law will guide you through each step of the bankruptcy process. We work as a team. North Law explains your obligations, legal rights, and the options you have, so you can make the best decisions for your financial future.
There is no shame in filing bankruptcy!
Sadly, in this economy, running into a personal financial crisis is almost the norm. Bankruptcy gives businesses and individuals a fresh start after a financial crisis. According to the Administrative Office of the U.S. Courts, more than 779,000 bankruptcies were filed in 2018. Of those, more than 22,000 were filed by individuals in Virginia. You are not alone.
Many people mistakenly believe that a person cannot own anything after filing bankruptcy. But in fact, people who file bankruptcy rarely lose their possessions. North Law helps you determine which form of bankruptcy works for your needs and create a plan so you can keep property with significant equity.
Consumers file for bankruptcy to have a financial fresh start, free from overburdening debts. Your financial future is up to you. The cliché is true: the future is what you make of it.
—No Pressure
—Debt Free Consultation
—No UpFront Fee Consultations
—Savvy Legal Advice
- Chapter 7
- Chapter 13
- Non-Bankruptcy Alternatives
CALL TODAY
(804) 739-3700
Bankruptcy + Covid-19 (Coronavirus)
Bankruptcy Relief Provisions to assist filers during the Covid-19 epidemic. The following provisional changes are in effect until March 27. 2022
Provisions of the Bankruptcy Code have been made to support Americans filing Chapter 7 and Chapter 13 bankruptcy.
- Extending Chapter 13 repayment plans up to 7 years after initial payment on original plan (if filed before 3/27/21)
- Covid-related payments, including recovery tax rebates and child tax credits are excluded from current monthly income
- Covid-related payments, including recovery tax rebates and child tax credits are not considered disposable income
North Law is here to support your return to financial wellness and debt relief.
Make Your Appointment Today
(804) 739-3700
—No Pressure
—Debt Free Consultation
—No UpFront Fee Consultations
—Savvy Legal Advice
"Absolutely wonderful! North Law was informative and worked with me to figure out a plan for the bankruptcy and a budget moving forward. The team at North Law is the reason my life is so different today. I would and will always recommend North Law."
Make Your Appointment Today
(804) 739-3700
Filing Chapter 7 Bankruptcy
In a Chapter 7 Bankruptcy, you may keep all exempt (legally protected) belongings. North Law will review your assets and available exemptions to determine whether the things you own are exempt.
Debtors who have property exceeding legal limits may choose to file a Chapter 13 Bankruptcy to protect additional assets. Your North Law attorney will work with you to prepare your petition for bankruptcy. You will meet with an attorney to review and sign your petition and receive instructions for testifying at the trustee’s meeting.
- The trustee’s meeting will be held about 3 – 6 weeks from the date the petition is filed. At the trustee’s meeting, the trustee will ask you questions to make sure your petition is correct.
- If the petition is for a Chapter 7 Bankruptcy, you will be granted a discharge within three 3 months of your trustee’s meeting.
What You Need Before You File Bankruptcy
- Value of Personal Property
- Name and Addresses of Creditors
- Amount Owed to Creditors
- Payoff Settlement for Mortgages, Vehicles, etc.
- Salary with PayStubs for Last 8 Months
- Tax Returns for 2 Years
- List of Expenses
Filing Chapter 13 Bankruptcy
In a Chapter 13 Bankruptcy case, you file a ‘‘plan’’ to pay creditors some portion of your past-due or current debts over three to five years. This Bankruptcy option may be available to you even if you have received a discharge in a Chapter 7 Bankruptcy petition filed within the last eight years.
The Chapter 13 case will allow you to keep valuable property — especially your home and car— with a schedule of payments pursuant to the plan. In most cases, these payments will be your regular monthly payments. North Law will help you review other debts to see if balances can be reduced by lowering the interest rate or extending repayment terms to 60 months.
You should consider Chapter 13 if you:
- Own your home and have fallen behind on payments;
- Are behind on debt payments, but can catch up if given some time;
- Have valuable property that is not exempt, but you can afford to pay creditors from your income over time.
What You Need Before You File Bankruptcy
- Value of Personal Property
- Name and Addresses of Creditors
- Amount Owed to Creditors
- Payoff Settlement for Mortgages, Vehicles, etc.
- Salary with PayStubs for Last 8 Months
- Tax Returns for 2 Years
- List of Expenses
CONTACT North Law
Take your first step to financial freedom and a bright future.
OUR ADDRESS
5913 Harbour Park Drive
Midlothian, VA 23112
Email: help@pianorth.com
Tel: (804) 739 - 3700
Fax: (804) 739 - 2550
BEFORE
Federal Law requires consumers to take a Credit Counseling course BEFORE you file for bankruptcy.
North Law suggests Abacus Credit Counseling
AFTER
Federal Law requires that you take a financial education/debtor education AFTER you file for bankruptcy BEFORE you can receive a Discharge of Debts (successfully complete the bankruptcy).
North Law recommends Dave Ramsey Financial Peace University.