GUARDIANSHIP & CONSERVATORSHIP

   It's becoming more and more necessary for you to plan for your golden years, from where will you live, how will you pay for it, and who will help you make these important decisions. If you find yourself faced with having to make decisions for the care of, or finances of an elderly family member, petitioning the Court for a guardianship and or conservatorship may be your best option.  Guardianships are not just for the elderly who cannot care for themselves or make important financial decisions for themselves but also for children who have reached 18 years old, who have disabilities or special needs that require assistance with managing their care and finances.

                               WILLS, POA & AMD

   Another important part of planning for your future is having a Will with a advanced medical directive and power of attorney set up. This will take the stress from your loved ones in their time of loss, and give you peace of mind. 

Your will lets your family know how you want your assets divided. The Power of attorney allows someone to handle your finances and other decisions if you are not capable of doing so and the advanced medical directive also allows you to have some say in what you want done with medical decisions when you cannot tell anyone.  Everyone should have all three of these documents.  Due to privacy laws, family members will not have access to your bank account to pay your bills so they need to power of attorney to give them access.

Medicaid can pay for long term care such as nursing homes but it takes time to quality and you will need to plan for this.

We can help relieve your debt burden and help you stop foreclosures, garnishments, lawsuits, and harassing creditor phone calls.  We will work together to see if a Chapter 7 or Chapter 13 bankruptcy is right for you.

 In a Chapter 7 bankruptcy you wipe out your debts and get a "Fresh Start".  It can also be referred to as a Liquidation of assets, however, most assets can be protected by our dedicated team.  Certain debts cannot be discharged in a Chapter 7 bankruptcy such as alimony, child support, fraudulent debts, certain taxes, student loans, and certain items charged within a few months of filing.  In a lot of Chapter 7 cases, the debtor is swamped with credit card debt, medical bills, and other unsecured debt, in most of these instances a Chapter 7 bankruptcy is able to completely eliminate all of these debts. 

                                   

Chapter 13 bankruptcy is your best option if you are behind on your mortgage payments and you want to keep the property. It allows you to make up the past due payments over a 3 to 5 year time period.  A Chapter 13 can also be filed when you have valuable property or assets that cannot be protected by allowable exemptions.  Also, people file Chapter 13 bankruptcy because they have too much disposable income to file a Chapter 7.

However, for the vast majority of Virginia Residents who simply want to eliminate their heavy debt burden without paying any of it back, Chapter 7 provides the most attractive choice.

Call us for a free consult to see which chapter of bankruptcy can work for you.

OTHER AREAS

Ask us about these other areas that we may be able to help you.

Contracts

Collections

Civil Litigation