Manassas Bankruptcy Lawyer

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Looking for a Manassas Bankruptcy Lawyer? The experienced and caring legal team at Ashley F. Morgan Law, PC helps many individuals and businesses every year with their debt issues, including bankruptcy, debt settlement, tax resolution, offers in compromise, and much more. We offer free consultations for debt issues. Our knowledgeable attorneys can help review all options available to you. Our office is also bilingual; Attorney Ashley Morgan is fluent in Spanish. We also have office staff who speaks Spanish.


Chapter 7: The most common type of bankruptcy is a Chapter 7 bankruptcy. This is also called a liquidation bankruptcy.  The case process usually takes three to four months for a normal, no-asset case. During this case, you file a petition that includes data regarding your pay, expenses, liabilities, assets, and personal information. Even though the process is called a liquidation, a debtor can keep various items in a Chapter 7. If you have more than the typical amount of assets, the bankruptcy trustee sells the debtor’s nonexempt assets and uses the proceeds of such assets to pay creditors.

Chapter 13: A chapter 13 bankruptcy is also called a wage earner’s plan. Under this chapter, debtors propose a repayment plan over three to five years. It often allows debtors to keep all assets that would be at risk in a Chapter 7. Some individuals pay back only required debt, such as priority tax debt and mortgage arrearages, while other individuals pay back 100% of all debts. The amount paid in the plan is based on various factors, including income, non-exempt assets, etc.

Debt Settlements: Sometimes it is ideal to negotiate directly with the creditor. We often recommend this option when an individual has low debts or a couple creditors. This option does not have any guarantees, it can save you save money on the full amount owed. It also can help you avoid bankruptcy for only a couple debts.

To review your options, please contact our office. We offer two locations for our Manassas clients. Our main office is located close to Manassas, just up Route 28 in Herndon, Virginia. We offer plenty of free parking. Our satellite office is located in Old Town Manassas at 9073 Center St, Manassas, VA 20110 (Second Floor). There is available parking on the street and free parking in the parking garage (after 10 am) only two blocks away. But, many of our clients handle the majority of their cases virtually, via email, video, and phone calls.


Problems facing individuals in Manassas are different than those in the rest of Virginia. Manassas is in Prince William County and is a suburb of Washington, D.C. with a population of 41,379. It is located approximately 25 miles southwest of DC. Living in the Virginia suburbs comes with increased expenses. The high cost of living for this area can be tough on many individuals and families. We understand the financial struggles in Manassas and Prince William County are different from the rest of the country. For many clients, even if you are making a decent income, the expenses in Manassas can be devastating. Make sure to retain a Manassas Bankruptcy Attorney that understands the expensive cost of living of the area.

Qualifying for Chapter 7 Bankruptcy in Manassas, VA

Filing bankruptcy can sometimes help relieve some of the financial struggles. To qualify for Chapter 7, the court will look at your income for the last 6 months. If the debtor’s income is less than or equal to the state median, they can file for Chapter 7.  This can mean it is more difficult for individuals living in the more expensive parts of the state to qualify for a Chapter 7. This is a common problem for many individuals living in Manassas because the median income is based on incomes from all over the state. Living in Manassas is drastically more expensive than living in other parts of Virginia, such as Lynchburg or Suffolk.

Alternative Ways of Qualifying: The Means Test

However, there is another way to qualify for Chapter 7 that involves using your income and subtracting out allowable expenses; this process is called the Means Test.  Luckily, if your income is above the state median, we can take in consideration the allowable expenses for your county under the guidelines provide by the Internal Revenue Service. For clients living in Manassas, we can often use numbers based on cost of living in Prince William County. Also, we may be able to consider other high costs of living in the area, such as insurance payments, medical expenses, childcare, child support and similar.

If you have above median income, finding an experienced bankruptcy attorney can make the difference in whether you qualify for Chapter 7 or not. If you do not qualify for Chapter 7 — or determine that you should not file a Chapter 7 — and have to file a Chapter 13, the Means Test will also help dictate the payment plan during the course of your repayment plan. Having an experienced Manassas Bankruptcy Lawyer can make the difference in how smoothly your case goes.


Bankruptcy is a federal process, which means you file in a federal court. Virginia has two federal districts – Eastern Western Districts. There are four to seven courthouses in each Virginia district. Most people file in the jurisdiction where you reside; if you live in any part of northern Virginia, you will usually file in the Alexandria Division of the Eastern District of Virginia. There are other ways to determine where you can file, such as where your largest asset is located. However, it is usually easiest to file in the jurisdiction you reside.

Most of our bankruptcy clients never go the bankruptcy courthouse; most cases only have one mandatory appearance at the Meeting of Creditors (or 341 hearing). Here is Virginia, the meeting is held on video via Zoom. Prior to the meeting we send your Driver’s License and Social Security Card with you so that the Trustee can verify your identity during the video call. Other questions you will be asked are about your petition, including your debts and assets. This is usually a hearing that takes three to five minutes for your questions.


If you have concerns about debt issues, bankruptcy, or similar, schedule an appointment with our office. We can have a phone, video, or in-person consultation. We can be reached via phone at 703-880-4881 (Herndon) or 703-880-4227 (Manassas). Contact us today to get a free debt and bankruptcy consultation. 

Zip Codes in Manassas, Virginia: 20108, 20109, 20110, 20111, 20112, 20113


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