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Once you enter the doors of the court house, you will be greeted by security guards, who will ask you to pass through a metal detector. Or if you are filing a fee waiver or installment plan, you hand the clerk the fee waiver form or fee installment form instead of the cash.
The clerk will take your bankruptcy forms and ask you to take a seat in their waiting room. As soon as they are done processing your forms, the clerk will call you back to the front desk. The clerk will give you:. At this point, your case has been filed! Something very important has just happened. This lasts until the end of your bankruptcy case, at which point most, if not all, of your debts will hopefully be erased. The bankruptcy trustee is a official appointed by the court to oversee your case.
Pay attention to mail you receive from the trustee after filing. The trustee will send you a letter asking you to mail them certain financial documents , like tax returns, pay stubs, and bank statements. As soon as possible after filing your bankruptcy forms, you also need to take your second mandatory bankruptcy course.
The second course, called the Debtor Education Course, is similar to the credit counseling course. Course 2 can be completed online or by phone and takes at least 2 hours to complete.
So make sure to complete the course as soon as possible after filing. Finally, you need to attend your meeting. The location of the Meeting depends on where you filed your bankruptcy case. Usually, the Meeting takes place about a month after filing. The main purpose of the Meeting is to ensure that you are not hiding any expensive assets that should be distributed to creditors. If your papers were done correctly, you should have no trouble answering the questions. Most meetings last only about 5 minutes.
Creditors are allowed to attend, although they almost never do. Important note: You must bring your government-issued ID and social security card to the meeting. You should also bring a copy of your bankruptcy forms to the meeting, along with your last 60 days of pay stubs, your recent bank statements, and any other documents that your trustee has asked for. In that case, unless something very unusual happens, you get a letter two months later from the Court stating that your debts have been discharged.
If you want to surrender the car to the lender, the lender will file a motion with the bankruptcy court to ask permission to retake the car. In that case, your lender would normally send you a reaffirmation agreement that you would need to sign and return within 45 days after your meeting. The lender would then file the signed reaffirmation agreement with the court for approval. If the judge approves your reaffirmation, you would get a notice of reaffirmation along with your discharge.
And you would be able to keep the vehicle as long as you stay current on your payments. If you chose redemption, you will be required to filing a motion in the bankruptcy case. Filing for bankruptcy in Chesapeake takes some careful preparation.
Hiring a good bankruptcy attorney is the most convenient way to file. The Means Test is the document used to determine if a debtor exceeds the Chapter 7 income limits. Here are some numbers that can help you quickly determine your eligibility. If you want to learn more about the Means Test, read this article.
There are about 23 federal forms involved in a bankruptcy filing, not including the local and optional forms that you might need for your case. The Petition is a series of different forms that outline your financial resources and obligations.
It is how you show that you are unable to make ends meet. At filing, you will need to present a few other documents including your certificate of financial counseling, your redacted tax returns and pay stubs.
Below are details for state and local unique forms. We have a free service that makes the bankruptcy process super simple for residents of Virginia. Bankruptcy exemptions protect the equity in certain property.
Property that is exempt cannot be used to pay debts. Therefore, a debtor is permitted to keep all exempt property. If you have more questions about exemptions, check out this article. For expanded descriptions, go to the Virginia exemption page. You will find information about specific statutes and answers to common questions there.
We started Upsolve realizing this was too expensive for Americans, and wanted to give another option with Upsolve's free service. If you are interested, take our screener to see if you qualify for this free service. Take our bankruptcy screener to see if you're a fit for Upsolve's free web app! Upsolve is a c 3 nonprofit that started in Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app.
Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.
To learn more, read why we started Upsolve in , our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal. Virginia Chesapeake. Fresh Start Diaries "I'm going to be honest with you, pre-bankruptcy my credit score went down to a Foreclosures HUD 6.
Shadow Inventory Preforeclosures Bankruptcies 9. Rent to Own. Tax Liens. Sheriff Sales 7. Short Sale 4. As-Is Deals 9. Fixer Uppers 7. Property Type. Save This Search. Your search has been saved! Access your saved searches here Close. Sign In. Forgot your password?
Click here. Your search. How often? Daily Weekly Monthly. Submit Sign In. Sheriff Sales. Sheriff Sales are now Preforeclosures. We will be removing the Sheriff Sales category in the near future. Use the Preforeclosure option to see all Sheriff Sales and auction dates. Great news! Tax foreclosed homes are available for pennies on the dollar - as much as 75 percent off full market price and more!
There are currently 9 red-hot tax lien listings in Chesapeake, VA. Get Started Continue Searching. Displaying 1 - 9 of 9 Results. View Details. Be the first to know when a house in your area goes into foreclosure. Get an alert! Displaying 1 - 9 of 9. Chesapeake, Virginia Chesapeake is an independent city in the Commonwealth of Virginia. History In , the new independent city of Chesapeake was created when the former independent city of South Norfolk consolidated with Norfolk County.
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