Bankruptcy

Our Bankruptcy practice at Nong, Dua & Patel is committed to helping people struggling to pay their monthly bills. We have handled bankruptcy cases for people throughout Virginia and the Washington D.C. metropolitan area.

A major reform of the bankruptcy system took effect on October 17, 2005. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 presents additional challenges to people facing financial problems. The new law marks the biggest change to bankruptcy law since 1978. It prohibits some people from filing for bankruptcy altogether. The law makes it harder for those who qualify to come up with manageable repayment plans and provides fewer protections from collectors than the prior law. Regardless of these changes in law, you still have many legal options to resolve your financial problems. Our law firm is committed to assisting clients in financial hardship. Our legal services, including debt relief agency expertise, will be available to anyone who is over-burdened by debt.

United States bankruptcy laws are intended to give debtors a new financial beginning by relieving most of their debts, under Chapter 7 bankruptcy; or giving them the opportunity, under the oversight of a bankruptcy trustee, to develop a payment plan under Chapter 13 bankruptcy.

Our bankruptcy practice primarily deals in handling Chapter 7 and Chapter 13 bankruptcy cases.

Chapter 7 Bankruptcy, often referred to as Liquidation Bankruptcy or Straight Bankruptcy, eliminates most unsecured debts. Unsecured debts include debts such as credit cards, medical bills, and personal loans. Most people believe that when they file for Chapter 7 bankruptcy, all of their possessions will be liquidated. We can help you protect your assets. Our objective in every bankruptcy case we handle is to ensure that our clients keep their home, car, and personal belongings, while their personal debts are eliminated.

Our firm can help you achieve the following:

• Stop Creditors’ Harassing Phone Calls and Letter,
• Eliminate Vehicle Repossessions Debt
• Eng Wage Garnishments
• End Lawsuits / License Suspensions
• Keep Your House, Car and Personal Belongings, and
• Rebuild Your Credit.

For more information about bankruptcy, please contact our offices for a consultation. We can help you get a fresh start through thoughtful bankruptcy filings and help you get back on your feet so that you can start rebuilding your credit.