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The clerk will ask for a picture ID whenever you arrive at file your files. You’ll also require your filing payment or an application for your rate waiver or to pay for in installments.
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Many situations never include any loss of property and good setting up will be certain that most debtors will maintain their possessions.
If you’re current on the lease payments, you can keep on the lease and continue to keep earning payments. This is known as assuming the lease. Bankruptcy also helps you to get out of your lease without incurring fees or penalties. This is termed rejecting the lease.
In Chapter 7 bankruptcy, the filing cost is $338. You might be able to have the court to waive the charge In the event your present profits is down below one hundred fifty% with the poverty guidelines. (See Virginia’s Charge Waiver Eligibility table under.) Once you file your paperwork, the court docket clerk will require you to pay for the cost.
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If you need to keep your motor vehicle and carry on to make the same every month payments, you’ll need to be present-day on your bank loan payments, and you simply’ll likely really have to indication a reaffirmation arrangement. On this, you reaffirm While using the lender which you’re going to continue for making your every month payments.
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In the event you’re leasing your car, it’s not titled in your title. This suggests it’s not element of your bankruptcy estate, therefore you don’t require to worry about exemptions. You should still listing the lease on Agenda G within your bankruptcy varieties.
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When you file for Chapter 7 bankruptcy in Virginia, you’ll have to complete both federal varieties and some neighborhood kinds.