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You are viewing information for James City County,

James City County,
Bankruptcy Law

Filing Bankruptcy In James City County,

Welcome!

Since 2006, more than 10 million consumers have come to this website figure out where they stand in relation to the 2005 (BAPCPA) bankruptcy law, and the  bankruptcy means test. 

Seventeen years later, the Means Test Calculator is still free, and we've updated it to use the latest applicable income and expense standards, for cases filed on or after May 15, 2023.

Local Forms & Instructions

Court Info for James City County,

How Bankruptcy Handles Property

Bankruptcy Exemptions

How Bankruptcy Handles Debt

Debts You CAN Discharge

  • Credit Card Debt,
  • Medical Debt, 
  • Lawsuit Liability (if not from fraud or willful or malicious injury), 
  • Personal Loans

Debts You Can Discharge Only In Special Cases

Debts You CAN NOT Discharge

What Happens To Secured Debts?

How Bankruptcy Affects Debt Co-Signers

    • Chapter 7 Bankruptcy
    • Chapter 13 Bankruptcy

Bankruptcy Lawyers Near Me

Note: This website is updated as time permits. It is up to you to contact your local court and confirm and update any information you need. Information is not advice. Consult with a bankruptcy lawyer for advice about how the law relates to your exact situation.

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James City County Bankruptcy Means Test Calculator

Automatically apply the James City County expense standards, and income standards to your means test calculation.

James City County Bankruptcy Court

Find where to file if you live in James City County.

Bankruptcy Exemption Laws

Automatically apply the James City County expense standards, and income standards to your means test calculation.

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Means Test Calculator for James City County, For Cases Filed on or after April 1, 2023

The free bankruptcy means test calculator is a free, automated version of the official Means Test Form you must file with the court.

This free automated version:

...to help you determine whether you pass the "means test" for Chapter 7 bankruptcy.

more...  

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Bankruptcy Exemptions - All Categories

Exemptions Summary:

Homestead

Must file homestead declaration before filing for bankruptcy
$5,000 plus $500 per dependent; rents & profits; sale proceeds exempt to $5,000 (husband & wife may double, unused portion of homestead may be applied to any personal property); if 65 or older, exemption is $10,000; an additional $25,000 exempt if property is primary residence.

Vehicle Exemption

Motor vehicles to $6,000 total ($10,000 if needed for occupation or education)

Personal Property

Clothing to $1,000
Family portraits & heirlooms to $5,000 total
Household furnishings to $5,000
Firearms to $3,000
Pets
Wedding and engagement rings
Tools, books, and instruments of trade, including motor vehicles, to $10,000, needed in your occupation or education
For farmer, pair of horses, or mules with gear; one wagon or cart, one tractor to $3,000; 2 plows & wedges; one drag, harvest cradle, pitchfork, rake; fertilizer to $1,000

Wild Card

Unused portion of homestead or personal property exemption
$10,000 of any property for disabled veterans

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