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Most of the time in a Virginia bankruptcy you can keep your house and car.  If there is no equity in the car or house, then there should not be a problem.  Even there is equity, you may be a ...Read more

Fees for bankruptcy can vary widely depending on attorney, circumstances, and type of bankruptcy.  The Court fees for a chapter 7 are $335 and a chapter 13 is $310.  For a simple chapter 7, ...Read more

Student loan debt has become a crushing burden on a huge number of people.  Although under the current law, bankruptcy usually cannot completely discharge (wipe out) student loans, in many cases ...Read more

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The Most Common Reason People Seek Bankruptcy

Curious about the most common reason people seek bankruptcy? The team at The Semrad Law Firm provides the answer in the blog below, an answer that could be surprising to the masses. If you ask a handf ... Read more

What’s the difference between chapter 7 and chapter 13 bankruptcy?

The vast majority of bankruptcies are filed under either chapter 7 or chapter 13.  If you file bankruptcy, you will need to determine which is the better choice for you. Chapter 7: Liquidation If ... Read more

How Arizona Prison Workers Escaped Jail Time for Sex Crimes

Earlier this month, it was reported that 13 prison supervisors accused of committing rapes and other sexual-related crimes against prisoners under their watch were each offered plea deals that include ... Read more

Your Rights Before and After Debt Settlement (Part II)

The rights and protections you enjoy as a debtor in the United States do not go away once you have applied for or been accepted into a debt settlement program and had your settlement plan approved by ... Read more

Is it a SCAM???

Scammers are constantly out there, be aware of scams of all types, there are many types of fake bill collectors.  It is a good reminder to follow your instincts, if a creditor is being a bully, o ... Read more

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