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What you should consider when choosing a lawyer to file your bankruptcy |
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Price should be at the bottom of your list, if you must suffer through the bankruptcy process with an impersonal bankruptcy mill, that will make you feel like a file number and not a person. |
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At Cochran law You will find, kindness experience, consideration, dedication, trust and lawyers and staff that actually care about you and your situation. |
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Cochran Law Firm is a small Bankruptcy law firm where you will receive prompt, personal services if you are bankrupt. |
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if you file bankruptcy you need not feel bad or ashamed |
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Filing a Petition for Bankruptcy NEED not be difficult. |
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CALL TODAY FOR YOUR FREE TELEPHONE |
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E-MAIL US if you prefer not to talk on the phone. |
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Our Richmond VA Bankruptcy Attorney Law Firm is here to serve you & answer all your BK questions |
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Give Us a call NOW We can help you and file your bankruptcy |
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Bankruptcy Terminology |
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If you are feeling that constant debt collection attempts are trying your patience and you need debt relief our debt settlement services can settle your credit card debt once and for all. |
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If you are bankrupt, buried in credit card debt, in foreclosure, getting garnished, or have liens on your bank accounts, by all means do give us a call - 804-358-2222 we offer a no obligation FREE telephone bankruptcy consultation and really can answer any questions you have in regards to filing for bankruptcy in VA |
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Cochran Law Firm, P.C. - Yvonne Cochran, Attorney at Law, practices Bankruptcy Law in Virginia with offices conveniently located in the near west end of Richmond Virginia.This website is NOT a full and complete statement of the bankruptcy law, It is only provided as a general reference. Nothing contained on this site constitutes legal advice. This site in no way should be considered a substitute for the advice of competent legal counsel. Please contact us for specific advice as it may apply to you. |
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http://bankruptcyattorneysrichmond.com/richmond-virginia-bankruptcy-attorneys-blog/ |
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Compelling advantages of hiring our bankruptcy law firm to file your bankruptcy petition FREE TELEPHONE BANKRUPTCY CONSULTATION (804) 358-2222You may call us and we will be more than glad to spend whatever time it takes to listen to your situation, answer your questions, discuss our fees and payment plans, and in many cases we may be able to offer you a bankruptcy strategy or other alternative over the telephone EVENING, WEEKEND AND EMERGENCY APPOINTMENTSIn many cases we realize that we need to act quickly and we do not mind coming into the office in the evening or on a weekend if it means stopping a foreclosure on your house or the repossession of your car or the garnishment of your wages. We are completely computerized which means we can file your petition from our office directly to the court (even on weekends and holidays) and give you and the creditors a case number while you are still sitting in our office. In most cases, if you bring in the needed information we can file your bankruptcy on your first visit. Emergency Contact: Bankruptcy Attorney Law Firm Emergency - Cell Phone - (804) 840-0878 AFFORDABLE FEES AND PAYMENT PLANSFiling a bankruptcy petition is not cheap but we will make it affordable for you and work hard to come up with a payment plan you can afford. Once we speak with you and determine what needs to be done in your individual case we can tell you what the attorney fees will be. Just call us and we will try to work out a payment plan that you can afford. In many cases we can put the balance of the attorney fees into the Chapter 13 bankruptcy payment plan and we will be paid each month by the trustee along with your other creditors. In a Chapter 7 bankruptcy case we can set up a payment plan for you. EXPERIENCE AND DEDICATIONAttorney Cochran has been in the consumer bankruptcy practice since 1989. We handle consumer Chapter 7 Bankruptcy and Chapter 13 Bankruptcy cases. We do not represent creditors, only the consumer. We pride ourselves on being prepared when we go before the trustees or the Bankruptcy Judges. We have good working relationships with many of the creditors lawyers. If there is a problem we work hard in trying to resolve the problem before it gets to court. This saves you time and money. |
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There are several ways in which you can contact this Virginia Bankruptcy Attorney - Telephone: CALL TODAY FOR YOUR FREE TELEPHONE BANKRUPTCY CONSULTATION (804) 358-2222 OR EMAIL OR Visit this Virginia Bankruptcy Lawyers offices, 4509 W. Broad St. Richmond VA 23230 If you would prefer to visit our Bankruptcy Law Office, Please call First for an appointment because we are usually very busy and we would prefer to provide you with prompt professional services and not have you waiting around any longer than necessary Whichever way you prefer to contact us, please be prepared to tell us why you may need to file for bankruptcy. If it is an emergency and you need to file for bankruptcy right away, we can do this same day as long as you have the documents required to file a petition for bankruptcy. |
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Bankruptcy Terminology |
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Automatic stay - An injunction that automatically stops lawsuits, foreclosures, garnishments, and all collection activity against the debtor the moment a bankruptcy petition is filed. Bankruptcy - A legal procedure for dealing with debt problems of individuals and businesses specifically, a case filed under one of the chapters of title 11 of the United States Code (the Bankruptcy Code). Bankruptcy Administrator - An officer of the judiciary serving in the judicial districts of Alabama and North Carolina who, like the U.S. trustee, is responsible for supervising the administration of bankruptcy cases, estates, and trustees; monitoring plans and disclosure statements; monitoring creditors’ committees; monitoring fee applications; and performing other statutory duties. Compare U.S. trustee. Bankruptcy Attorney A lawyer who will file your bankruptcy petition and represent you in Bankruptcy Court and advise you of how the bankruptcy law applies to your and your current situation. Bankruptcy Code - The informal name for title 11 of the United States Code (11 U.S.C.§§ 101-1330), the federal bankruptcy law. Bankruptcy Court - The bankruptcy judges in regular active service in each federal judicial district; a unit of the district court. Bankruptcy Estate - All legal or equitable interests of the debtor in property at the time of the bankruptcy filing. The estate includes all property in which the debtor has an interest, even if it is owned or held by another person. Bankruptcy Judge - A judicial officer of the United States District Court who is the court official with decision-making power over federal bankruptcy cases. Bankruptcy Petition - The document filed by the debtor (in a voluntary case) or by creditors (in an involuntary case) by which opens the bankruptcy case. (There are official forms for bankruptcy petitions.) Get a copy of, or read and review any Bankruptcy Form directly from The United States Bankruptcy Court for the Eastern District of Virginia Official Bankruptcy Form Website. BK A common term used when referring to Bankruptcy, see Bankruptcy Chapter 7 Bankruptcy The chapter of the Bankruptcy Code providing for “liquidation” (i.e., the sale of a debtor’s nonexempt property and the distribution of the proceeds to creditors). Chapter 13 Bankruptcy - The chapter of the Bankruptcy Code providing for adjustment of debts of an individual with regular income. (Chapter 13 allows a debtor to keep property and pay debts over time, usually three to five years.) Credit Counseling - Generally refers to two events in individual bankruptcy cases: (1) the “individual or group briefing” from a nonprofit budget and credit counseling agency that individual debtors must attend prior to filing under any chapter of the Bankruptcy Code; and (2) the “instructional course in personal financial management” in chapters 7 and 13 that an individual debtor must complete before a discharge is entered. There are exceptions to both requirements for certain categories of debtors, exigent circumstances, or if the U.S. trustee or bankruptcy administrator have determined that there are insufficient approved credit counseling agencies available to provide the necessary counseling. Dischargeable Debt - A debt for which the Bankruptcy Code allows the debtor’s personal liability to be eliminated Fresh Start - Characterization of a debtor’s status after bankruptcy, i.e., free of most debts. (Giving debtors a fresh start is one purpose of the Bankruptcy Code.) Joint Petition One bankruptcy petition filed by a husband and wife together Liquidation A sale of a debtor’s property with the proceeds to be used for the benefit of creditors. No-Asset Case - A chapter 7 bankruptcy case where there are no assets available to satisfy any portion of the creditors’ unsecured claims. Nondischargeable Debt A debt that cannot be eliminated in bankruptcy. Examples include a home mortgage, debts for alimony or child support, certain taxes, debts for most government funded or guaranteed educational loans or benefit overpayments, debts arising from death or personal injury caused by driving while intoxicated or under the influence of drugs, and debts for restitution or a criminal fine included in a sentence on the debtor’s conviction of a crime. Some debts, such as debts for money or property obtained by false pretenses and debts for fraud or defalcation while acting in a fiduciary capacity may be declared nondischargeable only if a creditor timely files and prevails in a nondischargeability action. Objection to Dischargeability - A trustee’s or creditor’s objection to the debtor being released from personal liability for certain dischargeable debts. Common reasons include allegations that the debt to be discharged was incurred by false pretenses or that debt arose because of the debtor’s fraud while acting as a fiduciary. Objection to Exemptions - A trustee’s or creditor’s objection to the debtor’s attempt to claim certain property as exempt from liquidation by the trustee to creditors. Party in Interest - A party who has standing to be heard by the court in a matter to be decided in the bankruptcy case. The debtor, the U.S. trustee or bankruptcy administrator, the case trustee and creditors are parties in interest for most matters. Petition Preparer - A business not authorized to practice law that prepares bankruptcy petitions. We recommend a competent, dedicated experienced Attorney at Law, Such As Cochran Bankruptcy Law Firm, to fully protect your interests and assure accuracy, accountability, and Adherence to Law. Plan - A debtor’s detailed description of how the debtor proposes to pay creditors’ claims over a fixed period of time. Plaintiff - A person or business that files a formal complaint with the court. |
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COCHRAN BANKRUPTCY LAW FIRM, Yvonne Cochran, Attorney at Law, 4509 W. Broad St. Richmond, VA 23230 (804) 358-2222 |
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Are you tired of being harassed by unscrupulous debt collection methods? We provide professional debt settlement services. Filing bankruptcy isn’t always the best solution for debt relief for everyone |
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Email us at BAR@affordablebankruptcylaw.com or give us a call at 804-358-2222 and we will provide any Virginia Resident an honest professional bankruptcy debt settlement consultation for FREE! |
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All Bankruptcy Lawyers file Chapter 7 bankruptcy and Chapter 13 Bankruptcy for you but all attorneys are not created equal. We, of course suggest you find one who truly cares about their clients and how they feel, because we truly care about you. |
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We even have a Spanish speaking attorney to help our clients who prefer Spanish. So if you are bankrupt and need to find a bankruptcy attorney in Richmond we are here for you, and it doesn’t matter if you speak Spanish or if you spell it bankruptsy or bankrupcy or even call it bk it is all the same. |
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Filing Bankruptcy provides for a permanent debt settlement solution that will stop debt collection, foreclosure, and garnishment of your wages and bank accounts. |
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Chapter 7 bankruptcy or chapter 13 bankruptcy which one is for you? Chapter 7 bankruptcy allows most of your dischargeable debts to be discharged. Some debt cannot be discharged according to the U.S. Bankruptcy code. Chapter 13 bankruptcy is commonly called the wage earner plan, this option allows you to pay off your credit card debt with payments that you can afford, with this option debt collection stops. |
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bankruptcy lawyers are a dime a dozen, but great ones are hard to find, you found us! Our main business is bankruptcy and we are experts in our chosen field of filing bankruptcy for folks. We pride ourselves in our work and it shows. Attorney at Law, Cochran has been in the consumer bankruptcy practice since 1989. |
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Very few Bankruptcy attorneys have payment plans as flexible as us. |
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Aggressive and Effective Bankruptcy Representation is our Bankruptcy law firms only focus. We are on your side! We are not a debt collection agency, nor do we work for debt collection agencies! |
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Our Bankruptcy offices are easy to find. We are even on the bus line |
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We even have bankruptcy classes. You can find them HERE! |
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Remember Filing for Bankruptcy STOPS foreclosure immediately. We provide and will file your bankruptcy, emergency style, same day if you need it. We care about you and don’t care what day or time it is. In an emergency call the attorneys cell phone (804) 840-0878 If you are considering bankruptcy, keep in mind it is a complicated process and the bankruptcy law is complicated. Hire an experienced dedicated concerned professional like us and by all means be READY |
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This is our newest bankruptcy site. We have focused on getting your attention with words we think you may be searching for to include: Attorney, bankruptcy, attorneys, bankrupcy, bankrupt, bankruptsy (this is a new misspelling), debt settlement, bankruptcy attorneys, filing bankruptcy, bankruptcy attorney, attorney at law, credit card debt, bankruptcy lawyers, file bankruptcy, debt collection, chapter 7 bankruptcy, bankruptcy lawyer and chapter 13 bankruptcy. If you need help with any of these or need any of these JUST CALL NOW!! |
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Bankruptcy Terminology |
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Postpetition transfer - A transfer of the debtor’s property made after the commencement of the case. Prebankruptcy Planning - The arrangement (or rearrangement) of a debtor’s property to allow the debtor to take maximum advantage of exemptions. (Prebankruptcy planning typically includes converting nonexempt assets into exempt assets.) Preference or Preferential Debt Payment - A debt payment made to a creditor in the 90-day period before a debtor files bankruptcy (or within one year if the creditor was an insider) that gives the creditor more than the creditor would receive in the debtor’s chapter 7 case. Priority - The Bankruptcy Code’s statutory ranking of unsecured claims that determines the order in which unsecured claims will be paid if there is not enough money to pay all unsecured claims in full. For example, under the Bankruptcy Code’s priority scheme, money owed to the case trustee or for prepetition alimony and/or child support must be paid in full before any general unsecured debt (i.e. trade debt or credit card debt) is paid. Priority Claim - An unsecured claim that is entitled to be paid ahead of other unsecured claims that are not entitled to priority status. Priority refers to the order in which these unsecured claims are to be paid. Proof of Claim - A written statement and verifying documentation filed by a creditor that describes the reason the debtor owes the creditor money. (There is an official form for this purpose.) Property of the Estate - All legal or equitable interests of the debtor in property as of the commencement of the case. Reaffirmation Agreement - An agreement by a chapter 7 debtor to continue paying a dischargeable debt (such as an auto loan) after the bankruptcy, usually for the purpose of keeping collateral (i.e. the car) that would otherwise be subject to repossession. Secured Creditor - A creditor holding a claim against the debtor who has the right to take and hold or sell certain property of the debtor in satisfaction of some or all of the claim. Secured Debt - Debt backed by a mortgage, pledge of collateral, or other lien; debt for which the creditor has the right to pursue specific pledged property upon default. Examples include home mortgages, auto loans and tax liens. Schedules - Detailed lists filed by the debtor along with (or shortly after filing) the petition showing the debtor’s assets, liabilities, and other financial information. (There are official forms a debtor must use.) Small Business Case - A special type of chapter 11 case in which there is no creditors’ committee (or the creditors’ committee is deemed inactive by the court) and in which the debtor is subject to more oversight by the U.S. trustee than other chapter 11 debtors. The Bankruptcy Code contains certain provisions designed to reduce the time a small business debtor is in bankruptcy. Statement of Financial Affairs - A series of questions the debtor must answer in writing concerning sources of income, transfers of property, lawsuits by creditors, etc. (There is an official form a debtor must use.) Statement of Intention - A declaration made by a chapter 7 bankruptcy debtor concerning plans for dealing with consumer debts that are secured by property of the estate. substantive consolidation Putting the assets and liabilities of two or more related debtors into a single pool to pay creditors. (Courts are reluctant to allow substantive consolidation since the action must not only justify the benefit that one set of creditors receives, but also the harm that other creditors suffer as a result.) 341 Meeting - The meeting of creditors required by section 341 of the Bankruptcy Code at which the debtor is questioned under oath by creditors, a trustee, examiner, or the U.S. trustee about his/her financial affairs. Also called Creditors’ Meeting Transfer - Any mode or means by which a debtor disposes of or parts with the debtor’s property. Trustee - The representative of the bankruptcy estate who exercises statutory powers, principally for the benefit of the unsecured creditors, under the general supervision of the court and the direct supervision of the U.S. trustee or bankruptcy administrator. The trustee is a private individual or corporation appointed in all chapter 7, chapter 12, and chapter 13 cases and some chapter 11 cases. The trustee’s responsibilities include reviewing the debtor’s petition and schedules and bringing actions against creditors or the debtor to recover property of the bankruptcy estate. In chapter 7, the trustee liquidates property of the estate, and makes distributions to creditors. Trustees in chapter 12 and 13 have similar duties to a chapter 7 trustee and the additional responsibilities of overseeing the debtor’s plan, receiving payments from debtors, and disbursing plan payments to creditors. U.S. Trustee - An officer of the Justice Department responsible for supervising the administration of bankruptcy cases, estates, and trustees; monitoring plans and disclosure statements; monitoring creditors’ committees; monitoring fee applications; and performing other statutory duties. Compare, Bankruptcy Administrator. Undersecured Claim - A debt secured by property that is worth less than the full amount of the debt. unliquidated claim A claim for which a specific value has not been determined. unscheduled debt A debt that should have been listed by the debtor in the schedules filed with the court but was not. (Depending on the circumstances, an unscheduled debt may or may not be discharged.) unsecured claim A claim or debt for which a creditor holds no special assurance of payment, such as a mortgage or lien; a debt for which credit was extended based solely upon the creditor’s assessment of the debtor’s future ability to pay. Voluntary Transfer - Transfer of debtor’s property with debtor’s consent. |
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This list of Bankruptcy Terminology is by no means complete, We have only added many of the terms we though were appropriate. If you have any questions about these terms or any other terms not listed here, Certainly you can give us a call and we will be more than glad to spend whatever time it takes to listen to your situation, answer your questions, discuss our fees and payment plans, and in many cases we may be able to offer you a bankruptcy strategy or other alternative over the telephone Give Bankruptcy Attorneys Richmond a call at 804-358-2222 |
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