You need to be able to assert Virginia exemptions, which typically means staying a resident in the point out for at least two several years previous to filing your bankruptcy case. When you haven’t been in Virginia for two decades, you must use your prior condition of residence, or p

Using this, you’ll choose out a credit card debt consolidation personal loan and use it to pay back your existing loans and bank cards. Then, in place of having to pay many financial debt costs, you’ll only have a single Monthly bill to pay for — your consolidation loan.

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This can be the huge query—can you afford to pay for a Chapter thirteen payment? A lot of people cannot. Even when you can, your Chapter 13 payment strategy will extend you to the monetary Restrict even if you pay noticeably less than Everything you owe. Nevertheless the repayment