Ashley Morgan

Ashley F. Morgan is licensed to practice law in the Commonwealth of Virginia. She is also authorized and admitted to practice law in the United States District Court and the United States Bankruptcy Court for the Eastern District of Virginia. She has dedicated the majority of her legal career helping clients file Chapter 7, 11, and 13 in the Eastern District of Virginia. Ashley works with both individual and business debtors to find the best solution to their debt problems. She is regularly in bankruptcy court in Alexandria, VA or attending 341s with our clients.

Ashley is fluent in both English and Spanish. She has a very positive approach to the practice of law. She also enjoys helping her clients solve their problems as quickly and as simply as possible, preserving their assets and lifestyles, while also preventing and minimizing any future issues and concerns for them.

She also works with clients to try and find ways of managing debt either through the bankruptcy code or through any non-bankruptcy alternatives. This includes negotiating settlements with creditors in order to avoid bankruptcy or preforming corporate wind downs in accordance with state laws.

Ashley also enjoys working with her corporate clients. She helps business not only with closing their doors, but also setting up and advising business while they are growing and expanding. She feels like having an attorney ensure that the business properly expands, it will prevent potential problems down the road. Ashley regularly drafts handbooks for business, conducts sexual harassment and discrimination presentations, and crafts contracts for the needs of her clients.

By finding the most efficient and practical solutions available, Ashley helps clients save time and money while achieving optimal results. Ashley also practices in the area of immigration law, helping clients through the difficult immigration process. She helps clients with both affirmative and defensive asylum petitions.

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• Free Consultation
  We provide free consultations for bankruptcy, debt issues, tax law. Other consultations are at a flat rate for 1 hour.
• Credit Cards Accepted
  We accept credit cards for all matters except Bankruptcy.

Virginia

Since 2013

College of William and Mary

B.A. | International Relations & Hispanic Studies

Florida Coastal School of Law

J.D. (2013) | Law

2010 - 2013

Rising Star

SuperLawyers

Top Attorney

Arlington Magazine

Client Choice Award

Avvo

Legal Elite (Bankruptcy/Creditors’ Rights)

Virginia Buisness

Virginia State Bar  # 86464

Member

Current

Notary Public

Commonwealth of Virginia

Q. I have $45000 in debt, a "debt resolution" lawyer is telling me to enroll on their program. Their fee is $500 per month

October 28, 2022

A: Debt settlement programs can work, but the problems happen when they do not (and unfortunately is often that the programs do not work). The payments you made are based on what the debt settlement company expects the creditor to accept. If the creditor wants more than they or refuses to settle, then you have the issue that there is then not enough money to go around and you may have to pay in more. The reason this is a problem is that debt settlement is controlled by what the creditor agrees to. If no agreement is made, then the creditor is likely will sue you in court.

As for challenging debts and what was done wrong on the account, it is hard to do. Debt collectors are smart and follow the rules. Unless you have older debts that can be barred by the statute of limitations, it is often hard to get a creditor to back off or find a mistake that is worth them not collecting at all.

Many people who attempt debt settlement end up having to file bankruptcy because the program does not work. I often encourage people to at least consult a bankruptcy lawyer before signing up for a debt settlement program to get an understanding of all your options. Many of our clients end up paying less to creditors (often nothing in a Chapter 7) and the attorney fees in a bankruptcy are often substantially less. Credit rebuilding also starts immediately after bankruptcy is over vs. in debt settlement it doesn't happen until all your accounts have been handled. ... Read More