- Divorce
- Child SupportThe Bankruptcy Code’s statutory ranking of unsecured claims that determines the order in which unsecured claims will be paid if there is not enough money to pay all unsecured claims in full. For example, under the Bankruptcy Code’s priority scheme, money owed to the case trustee or for prepetition alimony and/or child support must be paid in full before any general unsecured debt (i.e.trade debt or credit card debt) is paid.
- Spousal SupportA debt that cannot be eliminated in bankruptcy. Examples include a home mortgage, debts for alimony or child support, certain taxes, debts for most government funded or guaranteed educational loans or benefit overpayments, debts arising from death or personal injury caused by driving while intoxicated or under the influence of drugs, and debts for restitution or a criminal fine included in a sentence on the debtor’s conviction of a crime. Some debts, such as debts for money or property obtained by false pretenses and debts for fraud or defalcation while acting in a fiduciary capacity may be declared nondischargeable only if a creditor timely files and prevails in a nondischargeability action.
- Criminal DefenseMr. Wright is licensed to practice law in and is a member of the state bar of Virginia. David worked in the area of Criminal Defense Law for five years prior to joining our firm. He has extensive experience in the General District Court, the Circuit Court, the Virginia Court of Appeals, and the U.S. Bankruptcy Court. He is currently a member of the National Association of Consumer Bankruptcy Attorneys, and the Bankruptcy Section of the Lynchburg Bar. He is an active member of the Lynchburg community.
- Juvenile CrimesPrior to joining Cox Law Group in 2008 she had previously practiced in the areas of Domestic and Juvenile Law, Civil Litigation, and Criminal Law. Heidi is a member of the National Association of Consumer Bankruptcy Attorneys.
- Personal Injury
- BankruptcyChapter 7 bankruptcy, also referred to as straight or liquidation bankruptcy, is the most common type of bankruptcy filed by consumers. The primary reason that individuals and families choose to file chapter 7 under the bankruptcy code is to receive a “fresh start” through which some or all of their debts can be cleared away or discharged while they are still able to keep their exempt property.
- ForeclosureOne of the most powerful aspects of the bankruptcy process is the ability to stop a foreclosure and allow a person to catch up on their missed mortgage payments over time if they have fallen behind. Secured debts that include car loans may still be adjusted and restructured to make them more affordable. This extraordinary power remains unchanged.
- Tax LawTax Issues in Bankruptcy Lynchburg VA On November 16, 2018, David Cox published a recent article regarding tax issues in bankruptcy in the Consumer Newsletter of the American Bankruptcy...
- Debt CollectionNobody enjoys receiving calls from debt collectors, they can be overwhelming and intimidating. Understanding what your rights are when it comes to debt collection agencies can help ease your anxiety. If you receive a creditor call, it is up to you to decide whether or not you want to speak with them. If you do decide to speak with them, it is not in your best interests to give a collector your personal financial information. Always keep a written record of each call, which includes the employees name or identification number, and what the collector says to you. Under the Fair Debt Collection Practices Act (FDCPA), if you request that a debt collector stop contacting you completely, it must do so (with a few exceptions). Your request must be in writing.