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If You’re Considering Bankruptcy, Be Careful with Credit Cards

When you’re struggling to cope with overwhelming debt, there’s often a temptation to play credit card roulette. You might take out a cash advance on one credit card to pay down the balance on a higher interest card. You might take out a new card with a balance transfer incentive and load it up with… Read More »

The Perils of Repaying Creditors in the Run-up to Bankruptcy

Let’s say you’re considering bankruptcy, because you’ve got enormous credit card debt and medical bills. You’ve also borrowed a few thousand dollars from family and friends. You need to discharge the debt, or you’ll never turn your finances around. But while you’re okay with taking a hit to your credit score and living without credit… Read More »

Lien Stripping Through Chapter 13 Bankruptcy

If you have more than one home loan you are struggling to repay along with your original mortgage, Chapter 13 bankruptcy might provide a way to discharge those extra loans almost entirely and hold onto your home. Here’s how lien stripping works. When you take out a home loan, you put your property up as… Read More »

How Liens on a Property Can Affect Your Home Closing

One of the reasons for a title search before closing is to discover and cure encumbrances on the property. According to the Washington Post, title companies report that about one-third of all home sales require extraordinary work to clear title. Among the many title problems that arise, the most manageable are liens. A lien is… Read More »

The Essential Paperwork for Your Home Closing

On the day of your home closing, you’ll be reviewing and signing a lot of documents to finalize the transaction that will make the home yours. The essential real estate documents for your closing include: The deed — This document formally transfers title from the seller to the buyer. The deed also records the form… Read More »

What Are “Exemptions” in Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is also known as dissolution bankruptcy, because the bankruptcy trustee takes control of the filer’s assets and sells them to satisfy as much debt as possible. However, there are limitations on how much the trustee can take. State and federal law allow you to exempt certain amounts in various categories. In Virginia,… Read More »

How Long Does the Bankruptcy Process Take in Virginia?

The length of your bankruptcy depends on the chapter you choose to file, the complexity of your bankruptcy estate, and other factors. Chapter 7 is the quickest form of bankruptcy in Virginia, whereas Chapter 13 requires a payment plan over the course of a few years. Chapter 7 is a liquidation bankruptcy. The bankruptcy court appoints… Read More »

Two Words to Remember-Never Forget

  Never Forget.  The two words that will forever be connected with September 11th.  Today we honor those 2,996 people who lost their lives 15 years ago.  We honor those people who lost their lives at the World Trade Center in New York, at the Pentagon in Washington D.C., and those who attempted to retake… Read More »

Can You Afford Your Next Home?

By: Nicholas Bianco Legal Assistant at Miller Law Group, PC Have you ever wondered how much you can spend on a house with your income?  Here’s a great article by the Washington Post on the housing market across the nation.  The map shows what your income should be in order to get a median house in… Read More »

What to Do Before the Tropical Storm or Hurricane

Take time now to prepare a hurricane emergency kit. Don’t wait until a warning is issued and the stores are empty or closed. Prepare an emergency plan and make sure every member of your family knows what to do if they aren’t home when an emergency is declared. According to the National Weather Service, “The… Read More »