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:

$5 per notarized signature

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


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.


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.

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.

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.