The Merna Law Group PC

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The Merna Law Group, P.C., 3623 Virginia Beach Blvd., Virginia Beach, VA 23452
The Merna Law Group, P.C. represent clients in bankruptcy (Chapter 7 & Chapter 13), foreclosure matters, debt relief (garnishments, judgments, liens, levies), tax matters, divorce, child custody, separation agreements, wills, trust, power of attorneys, probate and other related areas. The firm serves clients in Virginia Beach, Chesapeake, Norfolk, Portsmouth, Suffolk, Courtland, Hampton, Newport News, Yorktown, Poquoson, Williamsburg and the Eastern Shore.

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The Merna Law Group, P.C., 3623 Virginia Beach Blvd., Virginia Beach, VA 23452

The Merna Law Group, P.C., 739 Thimble Shoals Boulevard, Suite 704, Newport News, VA 23606

Tel: (757)340-4895, Fax: (757)340-4894

Friendly bankruptcy lawyers and staff serving Virginia Beach, Chesapeake, Norfolk and all of Hampton Roads. A local Virginia Beach law group. Handling issues of bankruptcies, divorces, relationship. Get help with bankruptcy and separation. Practiced foreclosure law in Virginia and California. Helpful bankruptcy attorneys serving your legal needs in Virginia Beach, Hampton Roads, Tidewater. We can help with your separation, bankruptcy, divorce or foreclosure. The Merna Law Group, P.C - Attorneys at Law. Get answers to your divorce, foreclosure, bankruptcy questions. Chapter 7 and Chapter 13, FREE evaluations. Help with separation, divorce, foreclosure available. Friendly Virginia Beach bankruptcy attorneys to meet your needs. Know someone going through a bankrupty, divorce, mortgage? Get answers to divorce, bankruptcy, foreclosure questions. Get help now if you're going through bankruptcy, foreclosure or divorce. Chapter 7: eliminate credit card debt, personal loans, medical debt and more. Chapter 13: reorganize missed mortgage payments, car payments and more. Learn your options for secured and unsecured debt. Address separation of property, separation of debt, custody, child support and spousal support issues, house. Learn about Separation, Separation Agreement, Contested and Uncontested Divorce. Call us for issues regarding separation, divorce, foreclosure, bankruptcy or state laws. Just ask to speak to one of our friendly attorneys.

We also offer the following services: Divorce, Bankruptcy, Separation, Chapter 7, Custody, Chapter 13, Child Support, Foreclosure, Garnishments, Name Change & Repossessions.

Offices Serving: Virginia Beach, Norfolk, Portsmouth, Chesapeake, Suffolk, Newport News, Hampton, Yorktown, Williamsburg, Toano, Isle of Wight, Franklin, Windsor, Eastern Shore, Poquoson, Gloucester, Smithfield, Courtland, Cape Charles, Virginia, Hampton Roads, Tidewater, York County.

Bankruptcy - FREE Evaluation with an Attorney - The Merna Law Group, P.C. - View Video

Chapter7 vs Chapter13 - The Merna Law Group, P.C. - View Video

Free Information - Affordable Rates - EZ Payment Plans - Evenings & Weekends

Call us for issues regarding separations, divorces, foreclosures or bankruptcies.

Just ask to speak to one of our friendly attorneys. Call now to end your STRESS! (757) 340-4070.

Visit our locations page for maps, serving Newport News, Virginia Beach and all of Hampton Roads-Tidewater-York County

The Merna Law Group Online, P.C. - 2010 Better Business Bureau Member
The Merna Law Group Online, P.C. - MEMBER - The Pilot Reader's Choice Award - BEST Of - GOLD WINNER 2006, 2007, 2008, 2009, 2010

BANKRUPTCY

• Chapter 7

• Chapter 13

• Stop Foreclosure

• Stop Garnishment

• Stop Judgments

DIVORCE

• Contested Divorce

• Uncontested Divorce

• Separation

• Custody

• Alimony

• Child Support

• Name Change

LEGAL Q&A

At The Merna Law Group, P.C. (MLG) we have helped thousands of individuals and families get a financial and marital fresh start. Considering bankruptcy or divorce can be stressful and leave you feeling alone, trapped and helpless. The Merna Law Group provides caring an compassionate legal representation. Our professional,

I recv'd a Notice of Foreclosure yesterday. I am three months behind on my payments. The letter said my house will be sold in about five weeks. I have been calling the mortgage company daily to negotiate to catch-up on the payments. All they say is they are reviewing my account and will get back to me. What do I do?

Take action! You need to take control of the situation. Do not wait for them to help you. Most of the time they do not.
Soberly assess your situation. What caused you to fall behind? Illness. Job loss. Divorce. Interruption in income. You need to realistically decide if the cause of your delinquency has been corrected. If you are not able afford the mortgage your options are different then if you are no longer cash-strapped.
Contact an Attorney familiar with foreclosures. A knowledgeable attorney can not only save you money but also save your house. Your options for correcting the delinquency range from reinstatement, a repayment plan, a loan modification, reorganization through bankruptcy, sale of the property, a refinance, etc. A knowledgeable attorney can quickly assess which of these options are possible given your credit, your income and your payment history.
Being faced with foreclosure can be the most frightening experience of a persons life. The staff and attorneys at my firm try to remove the fear and embarrassment so we can concentrate on solving the problems.
Avoid Scam Artists. When your property is foreclosed on the Notice is often advertised in the local newspaper and recorded on the municipal or county records. Scam artists watch these notices and contact homeowners promising to stop the foreclosure. Too often they are not told until after they pay a hefty fee that they can be helped. Or the scam artist offers to purchase your property for little to nothing. Beware. Talk to an attorney about any offers. You dont need to lose your house and your hard-earned savings because you did not get property legal advice.
Control your fear. Fear can be immobilizing. You will be afraid. You will be stressed. Just dont let it stop you from formulating an approach for seeking knowledgeable counsel. Your friends, relatives and even clergy will out of sincere concern and good intentions want to give you advice and guidance to assist you. But remember, they are not professionals and do not have legal background or experience. You will be the one that lives with their error.
Dont take the mortgage companys word. Many people enter foreclosure due to the mortgage companys error. The lender will often delay and give homeowners the run around only to tell them days before the sale that they cannot help them. The more time available to solve your problem, the more options you will have. Many a homeowner has found themselves on the street because they relied on the wrong advice. Your mortgage company, like the scam artist, is looking out for their own interests, not yours. Get an advocate, a knowledgeable foreclosure attorney who can guide you through the paperwork maze.
Act today. As I have repeated throughout this article. Time is not your friend. The less time you have, the fewer options you have. Call an attorney today and I am sure I will be publishing your thank you letter in my next column instead of your tale of woe. Dont try to be your own expert and dont rely on the internet. Foreclosure laws vary from state to state. Once again, call an attorney today.
John G. Merna, Esq., is licensed and has practiced foreclosure law, bankruptcy and real estate law in both Virginia and California for the past 10 years. He does not use paralegals, instead he believes in dealing directly will all clients to solve their difficulties.

Online voting open March 15 through March 31, 2009.

Vote now to support your favorite business! To submit a vote for The Merna Law Group, click on the Best Of logo and login to the Best Of Hampton Roads voting site. Select your voting city: Newport News or Virginia Beach. Select the category: Best Other. Then cast your vote for Merna Law as the Best Law Firm.
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We are a federally designated debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Cities we serve:
Virginia Beach, Chesapeake, Norfolk, Portsmouth, Suffolk, Courtland, Hampton, Newport News, Yorktown, Poquoson, Williamsburg and the Eastern Shore.