{"id":5919,"date":"2021-05-05T13:06:30","date_gmt":"2021-05-05T13:06:30","guid":{"rendered":"https:\/\/mcintirelaw.com\/?p=5919"},"modified":"2023-05-05T01:36:31","modified_gmt":"2023-05-05T01:36:31","slug":"bankruptcy-chapter-7-in-west-virginia","status":"publish","type":"post","link":"https:\/\/mcintirelaw.com\/bankruptcy-chapter-7-in-west-virginia\/","title":{"rendered":"Bankruptcy Chapter 7 in West Virginia"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1996.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">Bankruptcy is a proceeding made by insolvent debtors that are unable to pay their creditors so that they can have a fresh start. Declaring bankruptcy enables you to discharge or reorganize your debts while letting you keep certain property. If you file for bankruptcy, you will be given bankruptcy protection that will<\/span><a href=\"https:\/\/mcintirelaw.com\/west-virginia-creditor-harassment\/\"> <span style=\"font-weight: 400;\">stop debt collectors from harassing you and your family<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_can_Filing_for_Bankruptcy_in_West_Virginia_do_to_you\"><\/span><span style=\"font-weight: 400;\">What can Filing for Bankruptcy in West Virginia do to you?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-66299e3b4684f\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-66299e3b4684f\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/mcintirelaw.com\/bankruptcy-chapter-7-in-west-virginia\/#What_can_Filing_for_Bankruptcy_in_West_Virginia_do_to_you\" title=\"What can Filing for Bankruptcy in West Virginia do to you?\">What can Filing for Bankruptcy in West Virginia do to you?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/mcintirelaw.com\/bankruptcy-chapter-7-in-west-virginia\/#What_is_Chapter_7_Bankruptcy\" title=\"What is Chapter 7 Bankruptcy?\">What is Chapter 7 Bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/mcintirelaw.com\/bankruptcy-chapter-7-in-west-virginia\/#How_to_File_Chapter_7_Bankruptcy_in_West_Virginia\" title=\"How to File Chapter 7 Bankruptcy in West Virginia\">How to File Chapter 7 Bankruptcy in West Virginia<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">Bankruptcy filings in West Virginia allow you to obtain financial freedom by:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wiping out most, if not all, of your debts including medical bills, <a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/west-virginia-credit-card-debt\/\"  rel=\"dofollow\" title=\"credit card debt\" data-linkilo-keyword-link=\"linked\">credit card debt<\/a>, payday loan debt, and collection accounts.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">Stopping the foreclosure of your properties such as your car and home.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stopping repossession of personal property<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stopping wage garnishment or creditor harassment including collection agencies.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">While bankruptcy filings may wipe out most debts, according to bankruptcy exemptions, some debts are not eligible for bankruptcy discharge such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Child support<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Alimony<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/mcintirelaw.com\/student-loans-and-bankruptcy\/\"><span style=\"font-weight: 400;\">Student loans<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mortgages and liens are not automatically wiped by bankruptcy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Creditor rights of secured creditors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax debts where there are no tax returns filed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fraudulent debts<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Chapter_7_Bankruptcy\"><\/span><span style=\"font-weight: 400;\">What is Chapter 7 Bankruptcy?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\" data-wp-editing=\"1\"><img decoding=\"async\" class=\"alignright wp-image-5920\" title=\"Bankruptcy Chapter 7 in West Virginia\" src=\"https:\/\/i0.wp.com\/mcintirelaw.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-Chapter-7.jpg?resize=357%2C238&#038;ssl=1\" alt=\"Bankruptcy Chapter 7 in West Virginia\" width=\"357\" height=\"238\" srcset=\"https:\/\/i0.wp.com\/mcintirelaw.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-Chapter-7.jpg?resize=200%2C133&amp;ssl=1 200w, https:\/\/i0.wp.com\/mcintirelaw.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-Chapter-7.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/mcintirelaw.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-Chapter-7.jpg?resize=400%2C266&amp;ssl=1 400w, https:\/\/i0.wp.com\/mcintirelaw.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-Chapter-7.jpg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/mcintirelaw.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-Chapter-7.jpg?fit=626%2C417&amp;ssl=1 626w\" sizes=\"(max-width: 357px) 100vw, 357px\" data-recalc-dims=\"1\" \/>There are various types of bankruptcy in West Virginia and one of the most commonly used is Chapter 7. <a href=\"https:\/\/mcintirelaw.com\/west-virginia-chapter-7-bankruptcy-attorney\/\">Chapter 7 bankruptcy<\/a> is a liquidation bankruptcy because in this bankruptcy petition, your assets will be liquidated and the proceeds will be used to pay what you owe your creditors. However, not all your assets will be undergoing liquidating, the exempt properties include your car, furniture or household goods, and equity but you will need to sign a reaffirmation agreement to keep those properties.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_File_Chapter_7_Bankruptcy_in_West_Virginia\"><\/span><span style=\"font-weight: 400;\">How to File Chapter 7 Bankruptcy in West Virginia<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Under the Bankruptcy Laws, when a debtor is in insolvency and he files for bankruptcy Chapter 7, he is required to take credit counseling for his financial future. The Bankruptcy Act also requires individuals to undergo a means test where their assets and liabilities, as well as their income and living expenses, are taken into consideration and to see whether or not they are qualified in the required median income for a Chapter 7 bankruptcy. If you fail to qualify for Chapter 7, you can instead file bankruptcy for<\/span><a href=\"https:\/\/mcintirelaw.com\/west-virginia-chapter-13-bankruptcy-lawyer\/\"> <span style=\"font-weight: 400;\">Chapter 13 Bankruptcy<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0 If you qualified, you can now begin to fill out and gather the necessary paperwork and start the bankruptcy process. West Virginia has property exemptions, which means you can protect them from seizure. If you think your property is exempted, you can talk with a <a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/west-virginia-bankruptcy-attorney\/\"  rel=\"dofollow\" title=\"bankruptcy attorney\" data-linkilo-keyword-link=\"linked\">bankruptcy attorney<\/a> to help you with the whole bankruptcy petition.\u00a0\u00a0<\/span><\/p>\n<p><b>Are you thinking about filing for bankruptcy?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The <a href=\"https:\/\/mcintirelaw.com\/west-virginia-bankruptcy-laws\/\">Bankruptcy Law in West Virginia<\/a> allows an individual to file bankruptcy cases without bankruptcy attorneys but doing so comes with its own risk. The laws are changing, and the bankruptcy proceedings can be very hard and complex if you are not well versed with the Bankruptcy Code. If you are considering bankruptcy but you are not yet certain if that is the best choice, we at <strong>Thomas E. McIntire &amp; Associates, LC<\/strong> will help you or your business get through your debt problems.<\/span><a href=\"https:\/\/mcintirelaw.com\/contact\/\"> <span style=\"font-weight: 400;\">Our bankruptcy lawyers<\/span><\/a><span style=\"font-weight: 400;\"> are experienced in bankruptcy procedure in West Virginia and we will tailor the best bankruptcy help for your specific needs. Call us now for a free legal consultation!<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":5921,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2149],"tags":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/mcintirelaw.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-1.jpg?fit=626%2C626&ssl=1","_links":{"self":[{"href":"https:\/\/mcintirelaw.com\/wp-json\/wp\/v2\/posts\/5919"}],"collection":[{"href":"https:\/\/mcintirelaw.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mcintirelaw.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mcintirelaw.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mcintirelaw.com\/wp-json\/wp\/v2\/comments?post=5919"}],"version-history":[{"count":3,"href":"https:\/\/mcintirelaw.com\/wp-json\/wp\/v2\/posts\/5919\/revisions"}],"predecessor-version":[{"id":6654,"href":"https:\/\/mcintirelaw.com\/wp-json\/wp\/v2\/posts\/5919\/revisions\/6654"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mcintirelaw.com\/wp-json\/wp\/v2\/media\/5921"}],"wp:attachment":[{"href":"https:\/\/mcintirelaw.com\/wp-json\/wp\/v2\/media?parent=5919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mcintirelaw.com\/wp-json\/wp\/v2\/categories?post=5919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mcintirelaw.com\/wp-json\/wp\/v2\/tags?post=5919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}