Attorney Ashley Frances-May Morgan's Legal Cases

Debt settlement

Negotiation of Reaffirmation Agreement

Mar 12, 2021

OUTCOME: Substantially reduced car loan

Chapter 7 Debtor's car loan reduced interest from 21% to 6% and balance of loan reduced from $11,000 to $4,000.00.

Criminal defense

Federal Identity Theft

Jul 27, 2018

OUTCOME: Probation

Defendant facing two charges: Aggravated Identity Theft and Conspiracy to Commit Access Device Fraud. Aggravated Identity Theft hold a statutory minimum sentence of 2 years to be served consecutive to ... any other sentence.

Bankruptcy and debt

Chapter 7 Discharge over $200,000.00 in Credit Card Debt

Jul 01, 2018

OUTCOME: Discharged, No Asset Case

Debtor had over $200,000 in Credit Card Debt with approximately $350,000 of equity in his home with his spouse and $120,000 in his retirement account.

Criminal defense

Federal Drug Charge — Statutory Minimum Sentence of 10 years

N/A

OUTCOME: Sentence of 42 months

Defendant was charged with drug charge with a statutory minimum of 120 months. Able to negotiate a plea deal that allowed for a safety valve. Then able to argue to the judge various mitigating factors ... about the Defendant’s situation, life and family for a dramatically lower sentence.

Chapter 13 bankruptcy

Chapter 13 Strip Off

N/A

OUTCOME: Debtor’s outcome, removal of second mortgage

Able to strip off a Debtor’s wholly unsecured second mortgage as part of the Chapter 13 plan.

Bankruptcy and debt

Creditor violation of the Automatic Stay

N/A

OUTCOME: Sanctions awarded for violation of the automatic stay

Creditor refused to stop garnishing Debtor's paycheck after filing of a Chapter 7 Bankruptcy in the Eastern District of Virginia.