Bankruptcy attorney near Lynchburg, VA?
October 31, 2013 9:33 AM Subscribe
My mother is in between work right now, with very sporradic temp gigs that don't pay enough. I think she needs to talk with a bankruptcy attorney, but she's ashamed and intimidated. I'd like to help her by giving her actual referrals. Difficulty: I'm long-distance from her. She is located in Lynchburg, VA.
General advice would also be welcome--for example, how long might she be able to drag out the foreclosure and still live in her home? Details inside!
posted by anonymous to work & money (5 answers total) 1 user marked this as a favorite
Here are the points I think are likely relevant:
- She quit her job rather than being fired. She was forced out and didn't realize that being fired would have opened up benefits like unemployment.
- She has a house that has a mortgage plus one or two lines of credit. She's underwater on the house. I don't think it matters if the house is lost in the bankruptcy.
- She owns a car that she needs to be able to keep, if at all possible.
- She's divorced now. While she was married to my dad, they declared bankruptcy and used the homestead exemption. I don't know what kind of bankruptcy it was. He handled all the finances, but she signed whatever he wanted her to (very "traditional" marriage). This was many years ago -- at least seven, maybe more like ten years.
- Her only income is temp work that is sporradic; the last two months, she's worked about one week total.
I think she should declare bankruptcy, stop paying her mortgage and any other bills, drag out the foreclosure process as long as she can, lose everything but the car (and her dog!), and move into an apartment.
She has zero savings and a lot of credit card debt as well. I've covered her bills for the last two months, but I can't continue to do so. It's already eaten into my savings far too much.
I'd also like to get her onto food stamps and any other public assistance she might qualify for.