Do it Yourself Bankruptcy

For some people, bankruptcy can be a fairly simple process that can be completed without paying an attorney.  If you cannot afford a lawyer, you can file pro se (without a lawyer). Filing bankruptcy pro se will require knowledge of federal bankruptcy laws and local bankruptcy jurisdiction rules. Most individual consumers can file bankruptcy on their own as long as they have a good reference manual to guide them through the process.

• Consult a lawyer to answer all legal questions regarding keeping property and any other bankruptcy questions or issues of concern.

• Gather all documentation needed to complete the bankruptcy petition. (6 months of paycheck advices, prior two year tax returns, monthly expenses, credit card bills, medical bills, property deeds, vehicle titles, installment loan information, pending court paperwork, garnishment/judgment information, etc.)

• Complete a credit counseling course from an approved credit counseling agency 180 days before you file bankruptcy. 

• File completed petition and your credit counseling certificate with the bankruptcy court.

• Attend meeting of creditors.

• Complete a post-filing Personal Financial Management Instruction Course only after your case is filed and WITHIN 45 DAYS of the creditors meeting. (341 Meeting)

TWO OPTIONS AVAILABLE!

Pro Se DIY Kit - $45*

Chapter 7 Reference Manual

Voluntary Petition & Schedules

Filing Fee Installment Form (if applicable)

Filing Fee Waiver Form (if applicable)

Other supplemental and local forms

Pro Se DIY Kit + BPP Services - $125*

Chapter 7 Reference Manual

Voluntary Petition & Schedules

Filing Fee Installment Form (if applicable)

Filing Fee Waiver Form (if applicable)

Other supplemental and local forms

BPP Services:

Petition and schedules professionally typed and printed

2 - Paper copies of final petition

PACER updates as available by the court

Proof of Service by Mail

1 - FREE notarization (if applicable)

*Petition preparation fee does NOT include the bankruptcy filing fee you pay to the court.  As of June 1,  2014, the Chapter 7 filing fee payable to the US Bankruptcy Court is $335.

For more info: bankruptcy@AfterHoursVA.com.  

Book a free consultation online: https://afterhoursva.setmore.com/

DISCLAIMER: @AfterHoursVA is NOT a law firm, nor am I an attorney. I do not provide legal representation or advice. If you need legal advice, please consult an attorney. @AfterHoursVA is a debt relief agency.

#MobileNotary Services Available Today

@AfterHoursVA provides Mobile Notary Service to Individuals and Businesses at: Airports, Assisted Living Communities, Hospitals, Movie Sets, Nursing Homes, Physicians, Office Building, Residences, Jails, Coffee Shops or any other convenient location. 

7 a.m. - 8 p.m.

Additional fee after 8 p.m.

info@AfterHoursVA.com

www.AfterHoursVA.com

Post #Bankruptcy Services

Post #bankruptcy services offered by @AfterHoursVA: 

Post -bankruptcy services available to debtor(s): 

o Order credit reports from Equifax, Experian and TransUnion 30-60 days after discharge

o Review Schedule D (secured creditors)

o Review Schedule E & F (unsecured creditors)

o Look for public bankruptcy notation

o If inaccurate information is found, send dispute letters to credit bureaus

o Setup credit monitoring account 

o Create spending plan

o Form 2 year goals

 Email info@AfterHoursVA.com for more info and pricing!

www.AfterHoursVA.com

New Service! Rebuilding Credit After Bankruptcy.

Rebuilding your life after bankruptcy, including your credit rating and finances, can sometimes seem like an overwhelming task.

But if you've recently filed for Chapter 7 or Chapter 13 bankruptcy protection, it's important to realize that there is life after bankruptcy.

Have you recently received a bankruptcy discharge and wondering what to do next? Contact @AfterHoursVA to start rebuilding your credit today!

Post -bankruptcy services available to debtor(s):

o Order credit reports from Equifax, Experian and TransUnion 30-60 days after discharge

o Review Schedule D (secured creditors)

o Review Schedule E & F (unsecured creditors)

o Look for public bankruptcy notation

o If inaccurate information is found, send dispute letters to credit bureaus

o Setup credit monitoring account

o Create spending plan

o Form 2 year goals

www.AfterHoursVA.com
info@afterhoursva.com

Notary Serving #RVA

Notary Serving #RVA

@AfterHoursVA provides Mobile Notary Service to Individuals and Businesses at: Airports, Assisted Living Communities, Hospitals, Movie Sets, Nursing Homes, Physicians, Office Building, Residences, Jails or any other convenient location.

All types of Notarial Acts performed. All types of documents.

Medical Affidavits

Corporate Affidavits

Refinance Closings

Wills

Loan Documents

Personal Notarizations

Title Transfers

Wills and Hospital Notarizations

Subpoenas, Affidavits, Statements

Insurance Documents

Depositions

Discovery Documents

Title Transfers

Claims, Release

Billing Records

Adoption Documents

Parental Rights Affidavits

Real Estate Documents

www.AfterHoursVA.com

info@AfterHoursVA.com

Chapter 7 Filing Fee Waiver

The fee to file for Chapter 7 bankruptcy is currently $335. If you cannot afford to pay this fee up front or in installments, you might qualify for a waiver of the fee. Along with your other bankruptcy forms, you will have to complete and file an Application for Waiver of the Chapter 7 Filing Fee (Form 3B).

Who Qualifies for a Chapter 7 Fee Waiver?

You qualify for a fee waiver if:

you are an individual (businesses cannot apply for fee waivers)

you are filing for Chapter 7 bankruptcy

you cannot pay the fee in installments over 120 days, and

your combined family income is less than 150% of the official poverty line. (See chart below.)

If you cannot afford to pay the fee up front, but can pay in installments, you can file an Application to Pay Filing Fee in Installments.

(Source: Nolo)

http://www.uscourts.gov/uscourts/FormsAndFees/Forms/Bankruptcy/B_3B.pdf

For more information about using a non-attorney petition preparer visit:

http://www.afterhoursva.com/bankruptcy-petition-preparer/

#VCU #Notary #Students #Alumni #RVA

#MobileNotarySpecial

#VCU #Notary #Students #Alumni #RVA

http://afterhoursva.com/specials/

Chapter 7 Bankruptcy Timeline

Chapter 7 Bankruptcy Timeline

-Within 180 days prior to filing bankruptcy: Complete a credit counseling course and receive a certificate of completion.

-0 days: File bankruptcy Chapter 7. A typical bankruptcy petition consists of 60-75 pages of information including the Petition, Schedules and Statement of Affairs.

-14 days after you file bankruptcy: All deficiencies in bankruptcy documentation must be filed with the Court, including schedules of assets and liabilities.

-4-6 weeks after you file bankruptcy: You must attend a mandatory meeting with the bankruptcy trustee to confirm the good faith of your filing. Creditors who wish to object to your bankruptcy filing may appear at this meeting, but this is very rare.

-45 days after your meeting: If you filed a Chapter 7, you must complete a financial management course and the certificate must be filed with the Court for you to receive your discharge.

-60-90 days after meeting: If you filed a Chapter 7, your debts will usually be discharged if no objections are made.

Contact @AfterHoursVA for more info on Chapter 7 petition prep at info@afterhoursva.com.

www.AfterHoursVA.com

Why Use a Bankruptcy Petition Preparer?

Why Use a Bankruptcy Petition Preparer?

The bankruptcy petition preparer can’t tell you anything about the law or the bankruptcy process, so why use one?

If you don’t have access to a computer or laser printer, then you may want to pay someone to prepare the forms for you. A good bankruptcy petition preparer will have up-to-date bankruptcy computer software that will generate the documents quickly and relatively easily. And most bankruptcy petition preparers charge low fees, especially compared to lawyers.

Back To School #RVA

#BackToSchool  Get those docs notarized soon!  School is right around the corner or has already started for central Virginia students.  A school form that may require notarization is the Affirmation Regarding Expulsion and Criminal Offenses form.

1.12 — Affirmation Regarding Expulsion and Criminal Offenses
Code of Virginia §22.1-3.2. Notice of student's school status required as condition of admission.

Prior to admission to any public school of the Commonwealth, a school board shall require the parent, guardian, or other person having control or charge of a child of school age to provide, upon registration, a sworn statement or affirmation indicating:

(i) whether the student has been expelled from school attendance at a private school or in a public school division of the Commonwealth or in another state.

(ii) whether the student has been found guilty of or adjudicated delinquent for any offense listed in subsection G of Va. Code Ann. §16.1-260 or any substantially similar offense under the laws of any state, the District of Columbia, or the United States or its territories.

Contact @AfterHoursVA today: info@AfterHoursVA.com

$5 per notarized signature

*Travel fees apply.  Up to $35 for City of Richmond, Chesterfield and Henrico County.

Pay It Forward!

Are you contemplating Chapter 7 bankruptcy but can't afford an attorney? Are you a family of 3 under the poverty guidelines of $2,473 monthly income? I am selecting one family to pay it forward and prepare your petition for FREE! 

Contact me today at info@AfterHoursVA.com to get a fresh start. 

http://afterhoursva.com/bankruptcy-petition-preparer/

DISCLAIMER: @AfterHoursVA is NOT a law firm, nor am I an attorney. I do not provide legal representation or advice. If you need legal advice, please consult an attorney. @AfterHoursVA is a debt relief agency.

2013 Bankruptcy Filings & Reasons People File

The 2013 bankruptcy statistics reveal that 706,499 people filed Chapter 7 bankruptcy and 330,899 people filed Chapter 13 bankruptcy for non-business consumer debt.  These numbers make up bankruptcy petitions received, terminated, and pending by the U.S. Bankruptcy Courts and reported to the Administrative Office of the U.S. Courts. 

Some of the top reasons people file bankruptcy are:

To stop a foreclosure.    Some people file to save their home from foreclosure if they are behind in their mortgage payments.  They are able to design a Chapter 13 plan that will allow them to get caught up on back mortgage payments.

To stop a repo.  Again, some people are able to design a Chapter 13 plan that will allow them to get caught up on back car note payments or even lower their existing car note.

To eliminate IRS taxes. You may can discharge older tax debts in a Chapter 7 filing.  (Consult with a bankruptcy attorney.)  Chapter 13 bankruptcy can allow you to pay back the debt over 3-5 years.

To eliminate credit card and other unsecured debt.  You may be able to discharge your credit card and other secured debt when filing a Chapter 7.  (Consult with a bankruptcy attorney.)  If you file a Chapter 13, you will pay back a portion of your debt through a court approved payment plan.

Overwhelmed with medical debt.  Medical debt can increase quickly when an unexpected accident or illness occurs.  It can put a strain on your finances if you don't have insurance or under-insured.

Loss of employment.  Let's face it, a job loss can be a devastating blow to anyone.  Some people exhaust all of their savings to keep up with bills while others don't have a savings at all.

Stop harassing phone calls from creditors.  When you are in a bankruptcy, creditors may no longer contact you by phone or by mail.  This is the benefit of the "automatic stay".

Lawsuits, judgments, garnishments.  Filing bankruptcy will most likely stop any collections, judgments and garnishments.  (Consult with a bankruptcy attorney.) 

To get a fresh start!  Are you drowning in debt, facing foreclosure, or suffering from a severe financial setback?  Bankruptcy can help you get a second chance at reclaiming your financial independence. 

Take a look at the infogram below outlining the number of filings in the state of Virginia compared to the number of filings in all 50 states.

2013 Bankruptcy Filings | Create Infographics

DISCLAIMER: @AfterHoursVA is NOT a law firm, nor am I an attorney. I do not provide legal representation or advice. If you need legal advice, please consult an attorney. @AfterHoursVA is a debt relief agency.

QR What, Huh?

What is a QR Code? 

A QR Code , abbreviated for "Quick Response", is a barcode that contains data that can be read by a smartphone's camera using a QR reader/scanner.  QR Codes can contain information about a business such as a website's URL, contact information or even social media platforms.  By scanning a QR code, you will be taken directly to that business' information!

QR Codes have become increasingly popular in advertising and marketing efforts by small business owners too.  This is an easy and great tool to use on business cards, brochures, brand clothing and other print material. By placing your custom QR Code on the back of a business card, you can generate more traffic to your website by providing easy access to a specific page on your website, Facebook business page or Twitter account.

How can I create a QR Code?

If you attempt a Google search on "creating a QR Code", you will get approximately 61,700,000 results displayed.  I've done the research for you!  Create your FREE QR Code here: http://eepurl.com/N5uvP.  (Yes, this a plug for my website freebie I'm offering now at www.AfterHoursVA.com)  Sign up now and download your QR Code in .jpg or .png format.  You can also choose your own colors for a more customized look!

What software do I need to read a QR Code?

There are a ton of QR Code reader and scanner apps that are available for Android and Apple smartphones and tablets.  I personally use QR Reader for iPhone by TapMedia Ltd.  It scans QR codes, barcodes, words and even creates PDF files with the "Scan to PDF" feature.  Most importantly, it's a totally FREE app!