Tommy Andrews Law Serving Clients in:   VA - 703.838.9004
MD - 301.843.3500
DC - 202.347.5300
Rich - 804.233.9003
Bankruptcy

THE NEW BANKRUPTCY LAWS ARE HERE

OVER 90% OF AMERICANS WHO NEED TO FILE FOR RELIEF TO ELIMINATE THEIR DEBTS MAY STILL BE ELIGIBLE UNDER CHAPTER 7 *

THE ATTORNEYS OF TOMMY ANDREWS, JR., P.C. ARE READY TO REPRESENT YOU UNDER THE NEW LAWS



Click for a FREE Evaluation with an Attorney:

or Call 888.448.7247

Our attorneys are available weekends and evenings, and the first consultation is free

The firm is conveniently located in historic Old Town, Alexandria, Virginia with an additional office in Richmond, VA, and our attorneys are licensed to practice law and serve clients in Virginia, Maryland and the District of Columbia. The King Street Metro is just blocks away from the office. Click here for directions.

YOUR STATE OF THE ART INTERACTIVE WEBSITE will provide you with information and support for all phases of the bankruptcy and debt relief. It will assist you in your decision in filing a case, provide support during the bankruptcy process and continue to assist you after the conclusion of your case in helping you rebuild your credit. For more information on how to use this web site, click here.

ELIMINATE DEBT - CHAPTER 7 BANKRUPTCY is the most common form of bankruptcy. This chapter is also called liquidation bankruptcy. Most consumer or business debts are dischargeable (may be eliminated) under Chapter 7 bankruptcy. You will be able to eliminate credit card debt, stop creditor calls, lawsuits, and garnishments. You can use the Chapter 7 to get a fresh start with your finances. Click here for more information.

STOP FORECLOSURE - CHAPTER 13 BANKRUPTCY is primarily used by consumers to save their home from foreclosure or their car from repossession. This chapter is referred to as a wage earner plan or reorganization. The petition must be filed before the sale date of a home to save the property. The court will allow you up to 5 years to repay in monthly payments what you have fallen behind on with your mortgage or your automobile loan. Click here for more information.

PROTECT BUSINESS - CHAPTER 11 BANKRUPTCY is primarily used by business owners to save their company from their creditors. This chapter allows the the business owner flexibility to restructure their debt. Here, a Plan is developed to allow business owners time to pay back their debts by reorganizing their debt structure. Click here for more information.

* "Although means-testing will affect only 7-10% of bankruptcy filers,...Equally important, means-testing will have no effect on those making less than the minimum income threshold provided. Thus, for the 80% of filers whose income lies beneath the state median, means-testing will have no effect whatsoever."

Testimony of Professor Todd J. Zywicki
Visiting Professor of Law
Georgetown University Law Center

Presented to:
The Hearing of the
Judiciary Committee of the
United States Senate
On Bankruptcy Reform

February 10, 2005
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