Has anyone filed in VA? Have questions.

[BKinVirginia]

I was married last year/new wife was prego and I had to assume her bills when she was out of work. Now we moved to Virginia. We still have a house in FL. That cannot sell and upside down about 65k We cannot afford the home in Fl. I have stopped making payments on my 1st/2nd mortgage. I now rent a place in Fairfax county and am in way over my head. I took loans against credit cards to cover bills while wife was unemployed and it caught up to me.

Now my wife and I are 52k in credit card debt

We have 142k on our first mortgage 46 k on the second.

We are currently renting in N Va, due to a job transfer.

I make about 4k (after taxes) a month and we owe about 5k a month. (not including House in FL)

I make about 10k over the state means a year (80K)


What can I do?? Any opinions? Can I somehow qualify for a Ch 7? Or a Ch 13? Can I discharge the home in Fl? Thanks.

[bnkrptinva]

Hi, I filed in Va. I'm awaiting discharge now, but my situation was a lot different than yours. Also, you will be in a separate district for bankruptcy than me since you are in N.va.

As for what you qualify for, on the surface, looks like a 13, if you are that much over the means, however, that's not always the case once your attorney gets to figuring you expenses (N.VA cost of living is crazy expensive).

I know this isn't much help, but talk to some attorneys.
Good luck to you!

[Amy26]

Be interested in getting any good lawyer recommendations in northern Va. I'm also in Northern VA. I own a condo in Sterling and I live in Leesburg. I'm trying to find one that will offer a free consultation. I'm just so weary when I go to their websites... one site I went to said they do a flat 799 bankruptcy fee. Which I thought was good...but how do I know if they are reputable?