Bowen Ten Cardani, PC

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December 2016 Archives

Hardship discharge in Chapter 13

When Virginia residents find themselves in significant debt, bankruptcy is often a consideration. Depending on the debtor's circumstances, either Chapter 7 or Chapter 13 bankruptcy may be selected. In Chapter 7, the debtor's non-exempt assets are liquidated, creditors are paid out of the proceeds, and much of the remaining unsecured debt is discharged. In Chapter 13, the debtor makes payments under a long-term court-approved plan, with most of the balance being discharged at completion.

Electronic data may be reviewed during divorce proceedings

The Internet is a popular and frequently utilized communication channel. Thus, information sent across the Web or stored on a cloud server can become a key factor in major life events, including marriage, separation and divorce. Virginia couples who are facing the end of a marriage should use caution regarding the information they send over the Internet to avoid complications during the divorce process.

Debts declared nondischargeable in future bankruptcy

When Virginia debtors file petitions for Chapter 13 bankruptcy, it is important for them to understand that they must get permission to engage in any financial transactions from the U.S. bankruptcy trustee. They must also report all additional income that they receive to the trustee for inclusion in their bankruptcy estate.

Child support improves children's lives

Although every single parent in Virginia may not be married, all noncustodial parents should contribute to their children's financial and emotional care. Research indicates that the majority of children who are raised in a single-parent home encounter more financial hardships than those raised in a two-parent home. The lack of financial support can take a toll on the custodial non-married parent, particularly with handling the daily responsibilities of raising children.

How mediation can help with co-parenting disputes

Divorced Virginia parents who move in order to be closer to a new partner while still attempting to remain relatively close to their children may introduce conflict into their coparenting relationship. One problem is that they may underestimate the time the added commute will take. If this travel burden falls on the parent who did not move, there could be tension. Furthermore, the new partner and the parent who did not move may not get along. The other parent may not want the child spending much time with the new partner.

Using a debt negotiation firm

People in Virginia who have a large amount of credit card debt might be thinking about seeking guidance from a debt negotiation firm. These firms can negotiate with credit card companies on the consumer's behalf and help them reduce or eliminate their debt over a period of 24 to 48 months. However, there are many misconceptions about what else these services can and cannot do.

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Bowen Ten Cardani, PC

Richmond Office
3957 Westerre Parkway
Suite 105
Richmond, VA 23233

Toll Free: 866-601-7371
Phone: 804-767-6850
Richmond Office Location

Ashland Office
9410 Atlee Commerce Blvd
Suite 2
Ashland, VA 23005

Toll Free: 866-601-7371
Phone: 804-767-6850
Ashland Office Location

Super Lawyers | K. Matthew Long