Don’t let your debt drag you down. West Virginia bankruptcy laws may give you options to get out of your debt while keeping your home and family safe.
The two main options provided by bankruptcy laws, Chapter 7 and Chapter 13, are generally explained on this page.
But if you want a local bankruptcy lawyer to evaluate your unique situation, connect with a local attorney today.
To speak with a West Virginia bankruptcy lawyer, fill out the free bankruptcy case review form on this page.
Filing Chapter 7 bankruptcy in West Virginia could be life altering for those with low income and high debt.
Chapter 7 is particularly powerful for people with lots of debt resulting from credit cards, medical bills, personal loans and payday loans.
This debt is considered “unsecured debt” and could be entirely dismissed and cleared by Chapter 7 bankruptcy.
Chapter 7 also offers protections for property in the form of exemptions. Anything covered by the exemptions in West Virginia bankruptcy laws will be safe from liquidation sales. In fact, there is no property sale in the majority of Chapter 7 bankruptcy cases.
Homeowners or individuals with lots of valuable property, like trade tools, may get more protection by filing Chapter 13 bankruptcy in West Virginia. However, they will need some regular income.
Chapter 13 bankruptcy consolidates and orders all of your debts, and may be able to reduce some of them.
Then, instead of juggling multiple bills and claims, you’ll make one manageable, monthly payment to a court-appointed trustee. This trustee will deal with your creditors, and you should be free of harassing phone calls and letters.
You’ll be under this repayment plan from 3-5 years. After that, you can emerge from bankruptcy with the chance for a fresh start.
Many times, people who consider filing for bankruptcy in West Virginia feel overwhelmed by the complexity of the state’s bankruptcy laws. Plus, when filing bankruptcy, most people want to take complete advantage of the tools being offered.
To maximize their debt reduction and property protections, many people turn to a bankruptcy lawyer for help.
Your West Virginia bankruptcy lawyer can take you through the bankruptcy process, answering your questions and offering assistance along the way.
To talk to a sponsoring West Virginia bankruptcy lawyer near you, simply out free case review form on this page or give us a call at 877-349-1309, and we’ll connect you right away.Speak to a Bankruptcy Lawyer Today
Note: Keep in mind all laws are complex. If you need legal advice or want to fully understand how these laws affect you, please speak with a local West Virgina attorney about filing bankruptcy.
Bankruptcy Laws may have changed since our last update. For the latest information on your state's bankruptcy laws and filing bankruptcy in West Virginia, speak to a local lawyer.
PAID ATTORNEY ADVERTISEMENT: THIS WEB SITE IS A GROUP ADVERTISEMENT AND THE PARTICIPATING ATTORNEYS ARE INCLUDED BECAUSE THEY PAY AN ADVERTISING FEE. It is not a lawyer referral service or prepaid legal services plan. Total Bankruptcy is not a law firm. Your request for contact will be forwarded to the local lawyer who has paid to advertise in the ZIP code you provide. Total Bankruptcy does not endorse or recommend any lawyer or law firm who participates in the network nor does it analyze a person's legal situation when determining which participating lawyers receive a person's inquiry. It does not make any representation and has not made any judgment as to the qualifications, expertise or credentials of any participating lawyer. No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. The information contained herein is not legal advice. Any information you submit to Total Bankruptcy does not create an attorney-client relationship and may not be protected by attorney-client privilege. Do not use the form to submit confidential, time-sensitive, or privileged information. All photos are of models and do not depict clients. All case evaluations are performed by participating attorneys. An attorney responsible for the content of this Site is Kevin W. Chern, Esq., licensed in Illinois with offices at 25 East Washington, Suite 400, Chicago, Illinois 60602. To see the attorney in your area who is responsible for this advertisement, please click here, or call 866-200-8052.
FLORIDA ONLY: Total Bankruptcy is considered a lawyer referral service in the state of Florida under the Florida Rules of Professional Conduct. By all other standards, Total Bankruptcy is a group advertisement and not a lawyer referral service.
If you live in Mississippi, Missouri, New York or Wyoming, please click here for additional information.
By an Act of Congress and the President of the United States, we are a federal Debt Relief Agency. Attorneys and/or law firms promoted through this Web site are also federally designated Debt Relief Agencies. They help people file for relief under the U.S. Bankruptcy Code. Disclosures Required Under the U.S. Bankruptcy Code.