West Virginia Bankruptcy Laws & Exemptions
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West Virginia Bankruptcy Laws

Chapter 7 or Chapter 13 in West Virginia

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.

Free Case Evaluation

Filing for Bankruptcy in West Virginia

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.

If you’re income can’t keep up with your bills, you may need serious debt relief. You have options. Learn how bankruptcy can help by speaking with a local bankruptcy attorney.

This debt is considered “unsecured debt” and could be entirely dismissed and cleared by Chapter 7 bankruptcy.

West Virginia Chapter 7 Bankruptcy Exemptions

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.


  • Up to $25,000 worth of real or personal property when filing under federal bankruptcy law. Otherwise $5,000 with state exemption.


  • 80 percent of your earned but unpaid wages.


  • Up to $2,400 worth of a motor vehicle.

Personal Property

  • Up to $8,000, with no single item exceeding $400 in value, worth of household furnishings, household goods, clothing, appliances, books, animals, crops and musical instruments.
  • Up to $1,000 in jewelry.
  • Up to $1,500 worth of books and trade tools.

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.

Ask a West Virginia Bankruptcy Lawyer About Your Options

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.

Free Case Evaluation

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.

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