For over 20 years The Merna Law Group has been providing residents of eastern Virginia with compassionate and effective legal solutions to financial challenges. If you are are burdened with credit card debt, medical bills or facing foreclosure, garnishment or repossession, we can get you a fresh start. If you are are not sure what to do with credit card debt and medical bills or facing foreclosure, garnishment or repossession, we can help you with a fresh start.
If you or a loved one are facing financial challenges that is resulting in foreclosure, wage garnishment or vehicle repossession then a quick response is required to prevent further harm. We have helped thousands of Virginia residents protect their homes, earnings and keep their vehicles. Call us today for a free consultation! John G. Merna, senior attorney and founder of Merna Law, received his law degree (juris doctorate) from George Mason University School of Law.
He also holds a master's degree in Journalism from the University of Arizona and a bachelor degree in Political Science from Virginia Tech.
If you or a loved one are facing financial challenges that is resulting in foreclosure, wage garnishment or vehicle repossession then a quick response is required to prevent further harm. We have helped thousands of Virginia residents protect their homes, earnings and keep their vehicles. Call us today for a free consultation! John G. Merna, senior attorney and founder of Merna Law, received his law degree (juris doctorate) from George Mason University School of Law.
He also holds a master's degree in Journalism from the University of Arizona and a bachelor degree in Political Science from Virginia Tech.
Services
Our affordable bankruptcy program will enable you to buy a house within two to three years.
Bankruptcy is a path to financial recovery, which if done properly, can turn paupers into millionaires, save marriages stressed by debt, provide better educational opportunities for your children, and save lives.
Yes, financial stress and poor credit can make us poor for life, ruin our marriage, rob our children of a better education and cut should our life.
Don't approach bankruptcy from just the stand point of eliminating debt.
Bankruptcy is a path to financial recovery, which if done properly, can turn paupers into millionaires, save marriages stressed by debt, provide better educational opportunities for your children, and save lives.
Yes, financial stress and poor credit can make us poor for life, ruin our marriage, rob our children of a better education and cut should our life.
Don't approach bankruptcy from just the stand point of eliminating debt.
Our affordable bankruptcy program will enable you to buy a house within two to three years.
Chapter 7 is the chapter of the Bankruptcy Code that provides for "liquidation" or elimination of unsecured debt.
We all know it as a debt relief process instead of a legal code section.
For most people this is credit card debt, personal loans, medical bills, payday loans, and other credit that is not secured by property.
Often eliminating debt in Chapter 7 bankruptcy can free up the money a person needs to afford to pay the secured debt they want to keep like vehicles or houses.
Chapter 7 is the chapter of the Bankruptcy Code that provides for "liquidation" or elimination of unsecured debt.
We all know it as a debt relief process instead of a legal code section.
For most people this is credit card debt, personal loans, medical bills, payday loans, and other credit that is not secured by property.
Often eliminating debt in Chapter 7 bankruptcy can free up the money a person needs to afford to pay the secured debt they want to keep like vehicles or houses.
Our affordable bankruptcy program will enable you to buy a house within two to three years.
A chapter 13 bankruptcy is repayment or reorganization of debt.
It is also called a wage earner's plan because it required income to afford the repayment of debt.
It is most often used when a filer does not qualify for Chapter 7 due to high income or a prior case filing or needs to reorganize on a house, car, or taxes.
It enables individuals with regular income to develop a plan to repay all or part of their debts.
A chapter 13 bankruptcy is repayment or reorganization of debt.
It is also called a wage earner's plan because it required income to afford the repayment of debt.
It is most often used when a filer does not qualify for Chapter 7 due to high income or a prior case filing or needs to reorganize on a house, car, or taxes.
It enables individuals with regular income to develop a plan to repay all or part of their debts.
My friend told me that even if I file bankruptcy I will still have to pay the debt back in the future.
Is this true?.
This is not true.
Some debts such as student loans, fines, some taxes are not eliminated by bankruptcy.
However, unsecured debt is permanently eliminated in Chapter 7 and in some case Chapter 13.
Talk to your attorney about any concerns to insure your debt will be eliminated.
This is not accurate.
A good attorney will be able to properly protect all of your property.
In some cases, where you have value or equity that can not be protected your attorney can help you resolve this and/or discuss other options.
Is this true?.
This is not true.
Some debts such as student loans, fines, some taxes are not eliminated by bankruptcy.
However, unsecured debt is permanently eliminated in Chapter 7 and in some case Chapter 13.
Talk to your attorney about any concerns to insure your debt will be eliminated.
This is not accurate.
A good attorney will be able to properly protect all of your property.
In some cases, where you have value or equity that can not be protected your attorney can help you resolve this and/or discuss other options.
Department of Defense policy states that members of the Military Services are expected to pay their just financial obligations in a proper and timely manner.
A service member's failure to pay a just financial obligation may result in disciplinary action under the Uniform Code of Military Justice.
However, most of the time the indebtedness is unavoidable, unexpected or too late to reverse.
Fortunately, the DOD acknowledges your right under federal law to avail yourself of bankruptcy to resolve your financial difficulty.
A service member's failure to pay a just financial obligation may result in disciplinary action under the Uniform Code of Military Justice.
However, most of the time the indebtedness is unavoidable, unexpected or too late to reverse.
Fortunately, the DOD acknowledges your right under federal law to avail yourself of bankruptcy to resolve your financial difficulty.
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