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.