August 18, 2020
What Are My Rights If I Have Full Custody
Legal custody is your right to make major decisions for your child. The decisions usually covered under the umbrella of custody include big life choices for your child such as religion, education, and healthcare choices. With legal custody over your children, you can make choices that have a big impact on their future.
Virginia law dictates that courts should assure, where appropriate, that both parents maintain contact with their children and play an active role in raising them. This means the courts will always favor a joint legal custody arrangement. Legal custody is shared between both parents so they can both raise their children.
However, every situation is unique and not every parent can have full custody over their children. In rare instances, the court will recommend sole custody for one of the parents.
To acquire sole custody in Virginia, your family lawyer needs to persuade the court that the other parent is unable to care for the child or poses a risk to them.
If you are at the point where you think that this step is necessary, it could be helpful to know what your rights are if you do have sole custody.
Differences in Types of Custody
As we’ve covered in a previous article about how custody is determined, there is a difference between legal custody and physical custody.
Legal custody is a parent’s ability to make important decisions for a minor. These include educational matters, medical issues, and the general welfare of the child.
Physical custody determines where the child primarily lives and how often a parent gets to spend time with them.
My Rights with Sole Legal Custody
If you have sole legal custody over your children, you can make all major decisions about them without consulting the other parent.
Sole legal custody may be right for your situation if:
- Sole legal custody benefits the child
- The other parent is unfit to make legal decisions about your child
- It’s more practical for only one of the parents to make decisions for the child
With sole legal custody, you have the decision-making rights for your child. You’ll get to decide who sees the child. You also make decisions about visitation rights for the other parent where you decide the length of time the other parent can spend with your children. You can enroll your child in a school of your choosing and take them for medical treatment where you choose.
Start the Conversation
For additional details about your rights when you have full custody, talk to a family lawyer in Virginia. Cravens & Noll is available by phone at 804-208-0934 to set up an appointment when you can discuss your situation further.
August 11, 2020
How Does the Court Determine the Value of Life in Wrongful Death Lawsuits?
A death caused by another person’s or company’s negligence is a tragedy. There is no real way to compensate for the loss of a loved one, but many families affected by an accidental death will make a wrongful death claim or file a lawsuit to compensate those left behind.
A wrongful death lawsuit is where families of victims of an accidental death file a claim to receive money damages. They file the suit against the person or entity whose negligence caused the death. These deaths are usually caused by a car accident, medical malpractice from a professional, or a dangerous product.
The difficult part of a wrongful death lawsuit is establishing the monetary value of a person’s life. There are common factors used by lawyers and the court to arrive at an amount that the defendant will be ordered to pay to the deceased’s relatives and estate. No amount of money will replace lost loved ones, but damage awards may well pay for homes, cars, living expenses and college for children.
Economic Damages
The attorney will usually start by determining the economic impact of a deceased’s life on his family’s financial future. value of the deceased. Specifically, they’ll look for damages and losses tied to those who passed. This can be affected by a number of factors:
- The deceased’s earning capacity
- Income at the time of death
- Value of lost benefits
- Number and ages of dependents
- Their level of education
- Medical and funeral expenses
These costs vary from person to person. A single 20-year-old restaurant cook with a GED will most likely have less economic assets and expenses than a married 44-year-old surgeon with three under-aged children.
These economic factors have to be supported with compelling evidence in order to reach the most accurate monetary settlement. Usually, personal injury lawyers work with economists to determine these values. This ensures that the victim’s family will receive adequate compensation for their economic damage. Bear in mind however, that the economic earnings are but one component of the overall recovery.
Emotional Damages
Along with the more numerically quantifiable economic damages, the attorney also looks at the emotional component of damages caused by the victim’s death. These can include:
- The emotional trauma of the family caused by the death
- The victim’s pain and suffering experienced before death
- Loss of a pillar of the family
These damages do not have any standard value since they are subjective. This is where an incredibly experienced trial lawyer can help you document and convey to a judge or jury the extent of emotional harm caused by the victim’s death, and the toll this loss has taken on the family.
If taken to a jury trial, your lawyer will have to argue on behalf of the deceased. They will need to show the positive effect the victim had on the lives of others and show how the loss has affected their family and friends, the community at large, and the worth of this life beyond monetary impact. This requires great skill, effective and emotional case presentation that impacts the tries of fact.
Specific Wrongful Death Claims in Virginia
Similar to many other court hearings, Virginia has specific laws in place for determining compensation in a wrongful death lawsuit.
For one, Virginia has a damage cap for medical malpractice cases. If a member of your family suffers a death due to medical negligence, then you are allowed up to $2.25 million in compensation.
Choosing The Right Attorney
When deciding to file a wrongful death claim, it’s important to consult with an attorney beforehand.
An experienced lawyer with a proven track record of million-dollar results is essential. They can take you through your options to make sure you and your family receive full compensation for your loss.
They’ll be with you during every step of the lawsuit, making sure you understand the process and providing the most relevant and helpful information. Once in court, they will fight for your compensation and make sure your family is taken care of financially. Nothing can replace a loved one, but an experienced attorney can help ease your burden so you can focus on healing and putting the pieces of your life back together.
At Cravens & Noll, we believe in giving grieving families the compensation and closure they deserve. We’ll work with your unique situation and fight for your rights in court. We will fight the good fight. We will help you WIN your battle.
If you’ve lost a loved one due to a preventable accident, please schedule a consultation with us as soon as possible. It may be the best decision you will ever make.
August 5, 2020
What Is My Personal Injury Case Worth
Many factors influence the value of a personal injury case. While it is impossible to know for sure how much money you may receive, there are a few primary factors that heavily influence the settlement total. Those factors include:
Damages: (Injury, medical bills, lost wages, future damages, permanency)
Liability: (Fault for the accident)
Insurance Coverage: (Yours & the other drivers)
The Lawyer You Hire
The vast majority of cases will be settled out of court. Only about 4% of cases will go to trial. It is impossible to predict how the jury will rule if your case does go to trial. There are some general patterns that we have seen which tend to influence the final payout of a claim, by the insurance company or a jury. You need top-flight legal expertise and counsel to get maximum recovery:
Total Damages
The nature and severity of the injuries make a huge difference in how much money is awarded in a PI claim. You can expect a higher settlement amount when there are significant or disabling injuries or death. The more significant your injuries, the greater your medical expenses, lost wages and lost future earning capacity.
Virginia personal injury law is our pond. We have the experience to help you get the care you need and the monetary recovery to help make you whole and fully compensated.
Liability
Who was at fault? In the state of Virginia, you can only collect from the insurance company if you are not at fault in the accident. If you are partially at fault in an accident, even 1%, you will not be able to recover from the insurance carrier. This is called “contributory negligence”. If liability is at all questioned, you need an experienced lawyer.
After an accident, the insurance companies may want to take a recorded statement from you. If you agree to give a recorded statement, the insurance company may try to get you to admit things about the accident. Adjusters are trained to get you to make what appear to be minor or erroneous admissions that seem small at the time, but that their lawyers will exploit in the future.
Insurance Coverage
The amount of insurance coverage that is available for your claim will make a substantial difference in larger injury settlements. If you collided with a corporate company vehicle that caused your accident, it is very likely the business has extensive insurance coverage to cover large insurance claims. If the driver of the other car has substantial insurance and they caused the accident, then you have a greater likelihood of a greater recovery.
Unfortunately, many people do not have more than the statutory minimum $25,000 insurance policy because it costs so much. In these instances, the payout you receive will be limited to the insurance policy, if they have coverage. If the other driver causes an accident and doesn’t have coverage, you may not be able to recover any damages at all, unless you have your own policy.
Big corporations often have bigger insurance coverage policies, but you cannot recover more in damages just because the driver is well-insured. A larger insurance policy does not mean you will get more money unless the mediators or court decides you are entitled to a larger financial settlement. Your case value will be determined by how well your attorney educates the jury about the extent of your injury and damage.
Learn How Much Your Case Is Really Worth
Factors that influence the amount of the final award or settlement in your case are multiple, and assessing the realistic value of cases is best left to the counsel of attorneys who have recovered millions and done thousands of cases.
The experienced PI lawyers at Cravens & Noll, P.C. can review all of the details and facts surrounding your case and provide you a real-time assessment of the potential value of your case.
Do Not Delay
One factor that can make a difference is time. With each passing day, the memories fade, the evidence is lost, and the stories evolve. Waiting to get legal representation could prove to be not only detrimental to your case, but the costliest decision you have ever made. If you want the most, hire the best.
Call Cravens & Noll, P.C. at one of their four locations today to begin the investigation and evaluation of your personal injury settlement.
June 8, 2020
Steps to Take After an Auto Accident
Statistics show most people will be in at least one auto accident by the time a driver is in their mid 30s. They also show there are six million accidents in the USA every year. Of these accidents, roughly 1 in 3 involve personal injuries. A small percentage of these accidents result in fatalities.
Hopefully, you will not be involved in an auto accident, but if you are, here are the steps to take after your accident.
1. Assess your Health and Injuries
Immediately following the accident, your health and safety should be your first consideration. Have you been injured? If so, this is your first priority.
If you have other passengers in the car with you, this is the moment to come together and help each other. Ask them if they are okay. Care for all of the passengers in your car before doing anything else.
2. Be safe
In Virginia, you are not supposed to move your cars after being in an accident before the police arrive. Carry flares or cones with you in the car, and put these out to alert other drivers of the danger ahead. Turn on your flashers if you find yourself in an accident of some sort.
3. Call the police
As soon as possible, call the police. Don’t assume the drivers or passengers in the other vehicle will call. You don’t know the intentions of the other people, or if they may be injured. The police will give you the information from the other driver so you can file a claim with their insurance company.
4. Write down your statement to the police
Think about what happened in the accident. Write down all of the facts of your accident as best you can remember. Even if you think you might be at fault for the accident, it is not for you to decide.
Do not admit fault even if you think it may have been your fault. The police officer will collect the facts of the accident at the scene to make determinations about who is guilty. If you believe you are not guilty and still get a ticket, you will still have the opportunity to plead your case with the judge in court.
5. Take Photos If Possible
It is a great idea to take photos after the accident. One of the biggest mistakes people make is to only take photos of the damaged vehicles. It is better to take as many photos as possible.
You may have to do this inconspicuously, but take photos of every individual involved. If there is a family in the other car, take note of the number of passengers there. Take pictures of the intersection where the accident occurred. If blinding sunlight or other weather conditions played a role, take a photo of these too.
The goal is to gather as much evidence as possible for the accident attorney who may be reviewing your case.
6. File a Claim With the Insurance Company
Your insurance company expects you to file a claim for your auto accident. If you know the other driver was at fault, you should contact the other driver’s insurance company first before getting your company involved. If the other driver is at fault and doesn’t have insurance, you may have coverage under your own policy’s uninsured motorist coverage.
7. Hire an Attorney and Protect Your Rights
Remember, the insurance company is always looking out for themselves first, and they will try to pay out as little as possible. This is why you need legal representation in an automobile accident.
Cravens & Noll has decades of experience in dealing with insurance companies. We know the strategies they use to try to minimize their losses, and this is where we can help.
Contact our offices today in Richmond or Harrisonburg to speak to one of our representatives and protect your legal rights after your auto accident.
June 4, 2020
Can Immigrants Sue for Personal Injury Damages?
When immigrants are involved in personal injury cases, they have the right to sue liable parties for injuries and damages just as an American citizen may. Qualified attorneys have the experience needed to navigate the unique challenges facing documented and undocumented immigrants in civil lawsuits. Many immigrants in Virginia have had success winning judgments against people who caused harm to them. Do not be afraid. We will help you receive just compensation.
Documented Immigrants
The Equal Protection Clause of the Constitution gives documented immigrants the right to work, live in the United States, and serve in the armed forces. These rights also include the ability to sue citizens and other immigrants just like US citizens. State and federal courts have consistently maintained these rights throughout the country. If you are in an auto accident as an immigrant, you can pursue liable parties for your injuries and damages if they are found guilty.
Undocumented Immigrants
The laws for undocumented immigrants are different from state and state. In many states, it does not make any difference if you are a legal immigrant. The federal government has left it up to the states to decide how to manage cases involving undocumented citizens.
Fortunately, the Virginia Supreme Court has already ruled on this issue. Illegal immigrants hold the same rights as legal immigrants and can pursue lawsuits regarding personal injury matters. An immigrant’s immigration status will not be considered when these cases process through the court system.
There are some states where the courts do not provide the same legal protections to undocumented immigrants. The jurisdiction is determined by where the accident occurred and is not influenced by the home states of the parties involved in the lawsuit.
Other Damages
There has been some confusion about medical costs that can be recovered in legal lawsuits. Not only can an individual recover their property and medical expenses, but the insurance company can recover other damages too. If you are still in the midst of treatment with an unknown end date, you can recover damages as long as it takes for you to recover from your injuries.
Many people sue for lost wages. You could also potentially sue for other damages in more serious lawsuits. Pain and suffering are often recovered in these cases. Permanent disfigurement and other issues could continue for many years, leaving your life permanently changed. If you are suffering from permanent disability, you could claim for diminished future earning capacity. If you are in a position where you can never work again, there are many issues you will want to address with an attorney.
After an accident, the court system tries to make you “whole” again so you can return to normal health when possible without experiencing significant financial hardship.
Get In Touch With An Attorney
Trying to work with an insurance company without legal representation is risky in many incidents. It is their goal to pay out as little as possible for your insurance claim, but an experienced attorney has the knowledge to make sure you receive the most favorable outcome.
Cravens & Noll has 30 years of experience helping immigrants recover from their personal injury cases. Contact us today to find out how we can help navigate this difficult season of life.
May 28, 2020
What to Look for in a Child Custody Lawyer
Divorce cases are nothing short of stressful. While sorting through the assets between yourself and your spouse, you also need to consider the most important assets, that is the well-being of your children and what’s best for them.
Because of how important these decisions are in a child custody case, it’s vital to find an attorney that is not only experienced and strong when in front of the judge, but also empathetic and passionate about keeping families connected. This is why we’ve created this blog to help you not only begin your search, but also help you narrow down your options to find the lawyer that’s perfect for your case and for your family.
1. Ask Around
At the beginning of your search, it can be difficult to know where to start when looking for a family law attorney. Rather than skimming through tens of hundreds of websites and articles, it’s best to begin with what you know.
Start by asking your friends and family who have been through child custody cases. Learn from their experiences and take note of what they like and didn’t like about their lawyer. If they’re local to you, make sure to get the name of their lawyer or possibly other lawyers they almost chose.
If you don’t know anyone personally that has gone through a child custody case, your county and state offer plenty of resources to find family law attorneys. You can always consult your local court clerks and the state bar association for referrals. Some courts also have a network of lawyers, so don’t be afraid to call the court directly.
2. Further Research
Once you’ve compiled a list of lawyers from these recommendations, it’s time to narrow down your options. Conduct research by looking through each lawyers’ websites and social media pages. See how they describe themselves and interact with others, and if this behavior seems appropriate to you.
It’s also a good idea to look at reviews on Google or Yelp from previous clients. While these reviews can be biased, as they’re normally posted by people who feel strongly one way or the other, try to notice trends in what people are saying or how they rate the lawyer.
Beyond online research, you should also do some digging into their background. Look through Virginia’s state bar attorney directory to see if the lawyer is in good standing or has ever had their license suspended. You can even talk with other lawyers to get their opinion on anyone you’re considering, especially if the person you’re talking to has worked in the county or state for a while.
3. Meet In-Person
After eliminating a few lawyers, it’s important to meet with your top choices in person. While an attorney may seem right for you through their website and social media, there’s no greater test than speaking with someone face-to-face.
When meeting with the attorney, make sure to look for anything that might make them a good or bad fit. Remember, you need someone who will truly work with you and your family, someone who will understand your needs so they can more effectively fight for them in court.
Pay attention to their communication skills, how they speak not only with you about the case, but also with and about your family. Your family lawyer should be able to treat your kids with the same amount of respect and understanding that you would. Most importantly, if you have a bad feeling about the lawyer, listen to it. If this person isn’t right for your family and your case, then there’s no point in hiring them and possibly wasting more money and time.
4. Ask the Right Questions
By the end of your meeting with your potential lawyer, it’s vital to understand what type of lawyer they are and if their goals line up with your own. This is why it’s important to ask the right questions and get a sense of the lawyer’s ethics and intentions when developing a case.
There are a few points you should focus on when coming up with your question. You should ask about their background and see if it lines up with your research. Find out their legal philosophy to see if you agree with their approach to law. Find out their case management skills to make sure they’ll be on top of your case.
In a similar vein, you should ask them what they think about your case, to see if they’ll be open and honest with you. And possibly most importantly, make sure to ask about their cost to make sure the attorney can fit into your budget.
If you need further help coming up with specific questions, this link has some sample questions to get you started.
5. Never Settle
No matter how much research and planning you do beforehand, you can never truly tell how good of a match a lawyer is until you actually work with them. Because of that, it’s possible that you may realize further into the case that this attorney is not right for you and your family.
Don’t be afraid to find another lawyer if your current one isn’t up to your standards. While you may have felt confident during your initial meetings, this is an important decision and you need the attorney that is right for you.
When searching for a Richmond family attorney, call Cravens and Noll for an initial consultation to make sure we are the right fit for you and your family. Our experienced team of Virginia family lawyers know the law like the back of our hands and will work with your family to get the best results from your case. Check out our family law page for more details.
May 26, 2020
Can I File Bankruptcy and Keep My Car and House
Bankruptcy can be a scary process when you do not know what property is at stake. When people file, one of their fears is that they will lose essential property such as their car or their house.
Based on state bankruptcy exemptions, the equity value of your property, homestead protection laws, and what chapter you file for, filers can have a better likelihood of keeping both their car and home during the bankruptcy process.
Depending on whether you file for Chapter 7 liquidation or Chapter 13 wage earner’s plan, will determine what you will owe, how and if you can keep your car and home.
The Difference Between Chapter 7 & Chapter 13
Firstly, it is important for filers to understand the basic differences between Chapter 7 bankruptcy and Chapter 13 bankruptcy in Virginia.
Chapter 7 is known as liquidation. Even though it is called “liquidation”, most Chapter 7 clients keep all of their property, including their car and house. This is because of certain exemptions that protect certain property. If you have only a little equity in your car or house, you should file for this type of bankruptcy.
In Chapter 13 bankruptcy, a debtor begins to pay back their creditors through a repayment plan. These repayment plans will usually take 3-5 years. Because a filer of Chapter 13 bankruptcy has enough of an income to continue making payments on their debts, their risk of losing their property is significantly lower compared to Chapter 7 filers.
The best determinate in knowing what property you can keep during a bankruptcy filing is your state’s bankruptcy exemptions.
State Exemptions
Each state varies in their exemptions — the equity on your property that is protected against a bankruptcy trustee reselling it to pay off creditors.
Simply put, bankruptcy exemptions tell you how much of your property you get to keep.
For Chapter 7 bankruptcy, these state exemptions can protect your assets if their equity value is covered. For Chapter 13, these exemptions can help lower the payments to your creditors and lenders for your repayment plan.
Read more about the specifics on Virginia state exemptions for motor vehicles and residential property based on each chapter.
What Do I Keep When I File Chapter 7?
Each bankruptcy case will vary depending on the equity in your car or house, how much you owe to creditors, your household income, number of dependents, etc.
Chapter 7 filers can maintain their property in cases where the amount of the property equity is either equal to or less than the state exemption amount. Equity in your property is the difference between the current value of the property and how much you owe on it.
For instance, if you have a car worth $8,000 at current market value, but you owe $3,000 on it, you have an equity value of $5,000.
Similarly, with a home, if you owe $7,000 on a house that is currently worth $16,000, you have an equity value of $9,000.
Virginia Motor Vehicles Exemptions
Under Virginia law, filers have up to $6,000 in equity for their motor vehicles. In a joint case with a married couple, each spouse has up to $6,000 for a car in their name. This means that $6,000 in equity is protected from resale by an appointed bankruptcy trustee.
Your car will be protected in Chapter 7 bankruptcy filing if its equity is equal to or less than $6,000.
In some cases, if your vehicle’s equity is over the $6,000 exemption, you will have the option to use an unused portion of Homestead Exemptions (up to $5,000) in Virginia.
If the equity in the property does not amount to the $6,000 exemption, you will likely keep your vehicle. Trustees can deem it unworthy of sale, meaning the time and money put into resale would cost more than what the car is worth, leaving the trustee with nothing to pay creditors. In this instance, you would keep your car.
Virginia Homestead Exemptions
Virginia’s Homestead law exempts $5,000 for residential property, personal property, or both. Alongside the $5,000 exemption, there is an additional $500 per dependent that goes towards protecting your property. This exemption will double to $10,000 if you are a disabled veteran or if you are over 65 years old.
To receive the $5,000 exemption, you must file a homestead declaration prior to or after filing for bankruptcy. However, it must be filed within five (5) calendar days after your meeting of creditors. If the exemption is not enough to cover the entirety of your house’s equity, then a trustee appointed by the court can sell it and pay off your unsecured debt with the proceeds.
On the other hand, you will be able to keep your house if you are currently paying your house payments and/or the total exemption covers the equity of your home (value of your home less what you owe on it).
In total, exemptions are set in place to help filers keep inexpensive property that is vital in order to work and live. To have the best chance of securing your property, you should consult with the lawyers at Cravens & Noll, who specialize in bankruptcy. Having legal counsel during the bankruptcy process can help save your property.
What Do I Keep When I File Chapter 13?
Chapter 13 bankruptcy differs from Chapter 7 in that it puts filers on a repayment plan to pay back outstanding debt to creditors. In some cases, this can be the safest option to ensure you keep all your property fully protected. Typically for these bankruptcy filings, debtors will not lose any of their property.
Chapter 13 is specific to those still earning an income and it allows debtors to reorganize debts. With this filing, you may be able to pay less on some of your debts. The amount that you will pay creditors, however, depends on the amount of property that can be exempt through exemptions in the state of Virginia.
The nonexempt equity amount of your property is used to determine what you will pay on during your 3-5 year repayment plan for Chapter 13 bankruptcy. This is called the “liquidation analysis”. For example, if your house has $20,000 in non-exempt equity, then at a minimum your repayment plan must pay your general unsecured creditors at least $20,000. To do this, you will have to prove you have enough income to pay on the amounts required in your repayment plan.
Virginia Motor Vehicle Exemptions
Because this chapter of filing is for those who earn an income, it focuses on repaying the entirety of your nonexempt equity on your vehicle. If you have a car loan, your repayment plan will include monthly payments on your loan.
With the $6,000 exemption in equity, filers will not have to pay that amount during their repayment plan because it falls under state exemptions.
For instance, if you own a car worth $15,000 and you owe $4,000 on it, the equity of your car is $9,000. Virginia’s motor vehicle exemption protects $6,000 of this amount, leaving $3,000 as nonexempt. In this case, your repayment plan will have to include $3,000 of nonexempt equity to pay back to general unsecured creditors.
Homestead Exemptions
As with cars, bankruptcy trustees cannot take your home in a Chapter 13 filing. If you are short on a mortgage payment but want to keep your house, your repayment plan will have to include the nonexempt equity of your home and the mortgage payments.
To qualify for this chapter, you will have to prove your income is enough to cover what you owe within 3-5 years. Since the exemption is $5,000 and $500 per dependent per Virginia’s Homestead laws, the nonexempt equity after these exemptions is what will have to be paid to creditors through your plan.
Simply put, you can keep your nonexempt property, but you will have to pay your creditors an amount that is equal to the nonexempt value of your property.
For example, if your home is worth $150,000 but you have a mortgage balance of $50,000, your home’s equity is $100,000. The amount of exempt equity depends on whether you have dependents, are a disabled veteran or over 65.
When the exemptions are taken into consideration, whatever is left of nonexempt equity is the minimum amount you will have to pay your creditors during your payment plan.
Contact Cravens & Noll Bankruptcy Law Group
The best way to be sure you are getting the best results from your bankruptcy case is to consult with lawyers who specialize in this area. With years of experience, the lawyers at Cravens & Noll are ready to protect your car and home amid your bankruptcy case.
Worried about if you will lose your home and car? Contact us now for a free initial bankruptcy consultation
May 14, 2020
Is My Home Protected In Bankruptcy
As one of the largest property investments people make, homes can be a serious concern when it comes to knowing what property you will be able to keep when you file for bankruptcy.
Will I be able to keep my house? Does a bankruptcy trustee have a right to sell my home? What exemptions do I have?
These are all valid questions. Home protection varies from case to case depending on which chapter you file for, the amount of equity on your home and what you owe. However, there are some basic guidelines to understand what can happen in a bankruptcy filing.
If you’re not sure if your home is protected against creditors, read this article and get in touch with specialized lawyers to understand your bankruptcy options.
The Difference Between Chapter 7 & Chapter 13
Chapter 7 bankruptcy, also known as liquidation, is typically used to relieve the debts of those with a very limited income. This short-term plan allows filers to have a financial fresh start. During this filing process, you liquidate all your unprotected or non-exempt assets to pay off your debt. These assets are any property that maintains an equity value and can be sold to creditors to pay off debts. However, if you have very little equity in your home you will most likely be able to keep your house along with most if not all of your other property. If filing a Chapter 7 bankruptcy puts you at risk of losing any of your property, then Chapter 13 bankruptcy may need to be considered.
Chapter 13 Wage Earner’s Plan is used for people who still have a steady income but have fallen behind on payments or have found themselves unable to pay a large portion of their secured and unsecured debts. Chapter 13 is also considered if you have too much equity in your house. Some people have to file Chapter 13 because they earn too much income or have too much money left over each month.
This chapter focuses on repaying the creditors over a 3-5 year plan. This long-term alternative will clear your financial slate when the plan is successfully completed. Depending on how much you earn, how much you have left each month after paying your normal bills (rent, utilities, food, clothing, etc.), or how much equity you have in your house will determine how much of your debt has to be paid back in Chapter 13.
As for your property, Chapter 13 generally protects your property but, again, will require a stable income to pay off your debt within the duration of the repayment plan. Chapter 13 works with creditors to create this 3-5 year wage earner’s plan to cover debts.
Can I Protect my Home Under Chapter 7 or Chapter 13?
Chapter 7
The only way to protect your home under a Chapter 7 filing is if you:
- Are current with your house payments
- You have very little if any equity in your home (equity is the difference between the value of your home vs. how much you owe on the mortgage).
Under Virginia state bankruptcy exemptions, a filer has what is called a Homestead Exemption to use up to $5,000 to protect any non-exempt property. The $5,000 is a lifetime exemption, meaning if you file bankruptcy again in the future, you will only be able to use the part of the $5,000 that was not already used. It can be used to protect money in the bank, stocks, etc. Sometimes if you have a small amount of equity in your house, we use part or all of the $5,000 to protect that equity.
There is an added exemption of $500 to each dependent in the household that is protected under the bankruptcy exemption laws in Virginia. For disabled and over 65 year old debtors have an exemption of up to $10,000 in equity.
Chapter 13
If you file under Chapter13 bankruptcy, you have the ability to catch up with mortgage payments in your repayment plan and it will be unlikely that you will lose your home provided you make all of your mortgage payments after your bankruptcy is filed.
As long as you keep up with your payments, creditors cannot take your home from you in this chapter.
Hire a Qualified Lawyer
Each bankruptcy case varies. The best thing to do to ensure you have the greatest chance to keep your home is to get in contact with bankruptcy lawyers.
Qualified counselors such as those at Cravens & Noll Bankruptcy Firm have handled hundreds of bankruptcy cases, specializing in this area of law. If you are considering bankruptcy, please give us a call today!
May 12, 2020
Do I Need to Hire a Personal Injury Lawyer
In the unfortunate event of an accident, whether from driving, medical negligence, or even a simple slip-and-fall, you should know the necessary steps to take. Before speaking to any insurance company or trying to resolve the issue yourself, it’s important to consult a personal injury lawyer.
A personal injury attorney is trained and experienced in helping you receive the compensation you deserve after an accident. You may think a lawyer is unnecessary for your case, whether you’ve already made an informal agreement with the other party or you believe you have sustained only minor damage.
No matter the size of your case, you should consult with a lawyer to make sure you receive advice and counsel the help you need. We’ve written this blog post to give you some examples of when you should consult a lawyer after an accident.
1. If You’re Unfamiliar With Personal Injury Law
While you may think you have a simple open-and-shut case, there is always room for complication. The other party might decide to hire a lawyer, or the insurance company may not be able to fully support you. By consulting a lawyer, you’re instantly giving yourself a better chance at a more informed and favorable settlement.
According to a poll from Martindale-Nolo Research, 91% of people who had an attorney received a payout, while only 51% of people without an attorney saw a payout. With a personal injury lawyer in your corner, you give yourself the gift of peace of mind by providing yourself more time to focus on the more important matters, your health, your medical treatment, your family, and your work.
2. If You Sustained a Serious Injury or Permanent Disability
Many serious accidents leave victims with long-term injuries or even worse, permanent disabilities. These injuries can greatly affect your ability to perform daily tasks, like taking care of yourself or doing your job. Depending on the severity, they can get worse over time, affecting you for the rest of your life.
Some aches and pains that appear soon after an accident are or can also become more serious injuries if left unchecked. It’s important to keep an eye on how your body feels after the accident. If you’re in a situation where you have debilitating pain or developed a disability due to an accident, then you should consult a personal injury attorney, and a physician.
An experienced lawyer can help you figure out how much your injuries have cost you, and how to make sure the party who caused the accident pays for your medical expenses, damages and injuries.
3. When It’s Difficult to Prove Fault
In many cases, it can be difficult to tell who is at fault for an accident, either due to the circumstances of the accident, or because there are multiple parties involved. In both cases, it’s helpful to have an attorney on your side to make sure you aren’t forced to cover damages for something that’s not your fault.
A lawyer can help you navigate the complexities of dealing with multiple parties and insurance companies. Your lawyer can steer you in the right direction, help you prove fault, and by capturing the evidence necessary to prevail and recover full value for your injury claim.
4. If the Insurance Company is Denying Your Claim
When negotiating with insurance companies, it can be difficult to know everything you need to include when making your claim. These companies know this and are not afraid to use it as a way to deny your claim. An attorney can even the playing field.
A personal injury lawyer can walk you through the best way for the layman to interact with the insurance company, giving you the best possibility of a positive result. Your attorney will always be on your side and give you a fighting chance.
5. Still Unsure if You Need a Personal Injury Lawyer?
Every accident case is unique. Luckily, it’s easy to consult a personal injury attorney who can review your case and provide insightful advice on the best steps to take and move forward. Cravens & Noll has attorneys who are recognized as leaders in the personal injury field.
At Cravens and Noll, we have decades of experience in a wide variety of personal injury cases from auto, trucking and boat accidents to hospital and nursing home negligence. We offer consultation with our talented and proven team of attorneys who will work with your particular situation to provide the best possible representation.
Find out more about our personal injury attorneys here.
May 7, 2020
Make Sure To Take These Photos After a Car Accident
If you have ever been in a car accident, you know those first few moments after the accident are very emotional. You are probably not thinking about taking photos or preserving the evidence you may need after an accident. Your first instinct might be to get angry if you know the accident was not your fault. After those first few moments, you will begin to evaluate your health and whether you sustained any injuries.
Once you know you are okay, your next instinct will be to check on your passengers. Are the children okay? Is your spouse okay? If everyone in your car is well, the next thought might be to check on the well-being of the passengers of the other car(s) involved in the accident.
Once you know everybody is okay, it is time to start gathering information. Unfortunately, some people forget to take photos of the accident scene. These photos can be crucial to your claim with the insurance company, and your attorney wants to see these photos too.
The next time you’re involved in an automobile accident, these are the photos you want to capture:
Photos of All Drivers and Passengers
Take pictures of anyone involved with the accident. This includes not only all of the people in your vehicle, but also the people in other vehicles too. You also want to take photos of other people at the scene such as officers, medical personnel, and especially witnesses. It is always good to get as much documentation as possible of other people involved at the scene of the incident.
Why You Should Take Pictures of Everyone
While it may seem cumbersome to take photos of everyone at the scene, there are many instances where stories change after everything is cleaned up. Suddenly, people in the other car claim they have whiplash, or there’s an extra passenger you never saw at the scene that day. Some people will try to take advantage of the insurance companies by claiming injuries to get a payout. By taking photos of all the parties involved, you will know for sure who actually was involved in the accident.
If anyone has visible injuries, you may want to take photos of the injuries of all parties if possible. This will provide documentation of the injuries right after they occurred.
Photos at Different Angles and Distances
Again, you want to have as much photo documentation as possible after an accident. Start with photos all around the accident scene. Inspect the road for debris from the cars, skid marks, road defects, and any other feature which might have been a determining factor in the accident.
Get Photos Before Tow Trucks Arrive
Once the tow trucks and the police arrive, the vehicles are going to be moved, so you want to try to take photos of the resting place of all vehicles. Take enough photographs so any lawyer, claims representative or anybody investigating the accident can visualize where the vehicles stopped after the crash. This photographic evidence will help further substantiate your account of how the accident occurred.
Consider the Weather
If it is a really cold day, this may play a role in the accident. Take photos of ice on the roadways. If there was a downpour or thunderstorm at the time of the crash, take a short video documenting this too. If one of the vehicles crashed due to blinding sunlight, you want to document this too.
Watch the Traffic Signals
In addition, take a few minutes to watch the traffic signals if the accident occurred near a major intersection. Are the lights working correctly? Are the traffic lights out because of a bad thunderstorm? Take photos of the intersection including the lights, and take short videos if you notice anything unusual about the traffic lights.
Is there a disagreement about who had the green light? See if there are witnesses who saw who had the right of way.
Get Photos of Traffic Lanes and Signs
In addition to the vehicles and the traffic signals, you also want to take a few moments to capture images of the traffic lanes and highway signs at the intersection. Capture an image of a yield sign or a stop sign, especially if a sign is partially obscured by a tree or other object.
Get Photos of Driver Information
Finally, you should take photos of the other driver’s license and insurance card. Be especially wary if the other driver doesn’t want to give you their insurance information. This could be because they are uninsured.
Contact an Attorney
After the event is over, you probably need to seek legal counsel. The attorneys at Cravens & Noll, P.C. have been representing parties involved in car accidents all over Virginia for 30 years. We have a team of lawyers and injury trained legal assistants who will represent and assist to make sure you are fairly compensated for your damages and injuries.
Contact us today to begin the process of getting your life back in order!