Ashley F. Morgan Law, PC

04/24/2025

Buried in bills?

You're not alone—and you're not out of options. Bankruptcy can stop the chaos and give you a path forward. Let's talk.

Ashley F. Morgan Law, PC is a debt relief agency. We help people file for bankruptcy.

04/24/2025

Thinking about filing for bankruptcy? Read this first.

Filing bankruptcy can be a powerful tool for getting out of debt—but even small mistakes can create big problems.

In this post, we cover the most common (and costly) bankruptcy mistakes, including:
⚠️ Transferring assets before filing
⚠️ Leaving out debts or forgetting accounts
⚠️ Repaying friends or family before your case
⚠️ Filing at the wrong time—or without an attorney

We also break down exemptions, timing rules, and insider payments in plain English.

Avoid the pitfalls. Protect your fresh start.
👉 https://afmorganlaw.com/bankruptcy-mistakes/

Avoid the most common bankruptcy mistakes. Learn how to protect your assets, time your filing, and start fresh.

04/23/2025

Happy Administrative Professionals Day!

Our office is incredibly lucky to have three amazing professionals who keep everything running smoothly behind the scenes. From managing client communication to supporting our attorneys through every case, their hard work, attention to detail, and dedication never go unnoticed.

Thank you for everything you do — we truly couldn’t do it without you!

04/23/2025

Wondering what the best way to get out of debt is?

The truth is—there’s no one-size-fits-all answer. The best option depends on your income, your total debt, your assets, and your goals.

In this blog, we break down the real pros and cons of:
✔️ Debt snowball & avalanche payoff methods
✔️ Debt consolidation loans
✔️ Debt settlement companies
✔️ Chapter 7 and Chapter 13 bankruptcy

We even compare how much someone with $40,000 in credit card debt might pay with each method—and how bankruptcy often ends up being faster, cheaper, and more effective.

If you're ready for real answers, not sales pitches—start here:
🔗 https://afmorganlaw.com/best-debt-relief-option/

The Best Debt Relief Options: How to Get Rid of Debt and Save Money Debt relief is about finding the right strategy to manage or eliminate debt and achieve financial stability. For some, methods like the snowball or avalanche strategies—which focus on paying down debt systematically—may work if ...

04/22/2025

Is Chapter 13 bankruptcy really worth it?
For many people, the answer is yes—especially when it comes to protecting a home, stopping garnishments, or dealing with tax debt.

In this post, we cover:
✅ How Chapter 13 helps you reorganize debt
✅ When it’s better than debt consolidation or settlement
✅ Real-world examples of how it can save money and stress
✅ Who Chapter 13 works best for—and when it’s not ideal

If you’ve been told you don’t qualify for Chapter 7, you are worried about losing assets, or you’re dealing with missed mortgage payments or priority IRS debt, this might be the lifeline you’ve been looking for.

📖 Read the full breakdown:
👉 https://afmorganlaw.com/is-chapter-13-bankruptcy-worth-it/

Is Chapter 13 bankruptcy worth it? Discover the pros, cons, and examples of when Chapter 13 is the best option to protect your assets.

04/22/2025

Ever feel like you’re being kept in the dark about your options?
That’s not a coincidence—creditors don’t want you to know how powerful bankruptcy really is.

Why? Because bankruptcy:
✔️ Can wipe out debt entirely
✔️ Stops lawsuits and garnishments immediately
✔️ Gives you the upper hand—not them
✔️ Is often cheaper than debt settlement or endless payments

Creditors want you to believe bankruptcy is the worst-case scenario.
But for many, it’s the smartest, fastest way out.

📖 Read the truth they hope you never find out:
👉 https://afmorganlaw.com/what-creditors-dont-want-you-to-know-about-bankruptcy/

Discover why creditors don’t want you to file bankruptcy. It can be the fastest, most effective path to becoming debt-free.

04/21/2025

Want to pay off your credit card debt faster? It’s possible—with the right plan.

If you're stuck making minimum payments, your debt could last decades. But with a smart payoff strategy, you can save money and get out of debt faster.

This blog breaks down the best ways to tackle credit card debt:
✅ Snowball vs. Avalanche methods
✅ How to reduce interest
✅ Why cutting expenses actually works
✅ When it’s time to consider consolidation—or even bankruptcy

If you’re serious about crushing your credit card debt, start here:
📖 https://afmorganlaw.com/pay-off-credit-card-debt-fast/

Learn 9 proven strategies to pay off credit card debt fast—including budgeting payoff methods, and when bankruptcy might be your best option.

04/21/2025

How many red flags are waving in your finances?
If you’re:

🚩 Making only minimum payments
🚩 Borrowing from one card to pay another
🚩 Avoiding opening bills
🚩 Getting collection calls
🚩 Falling behind on essentials

These are signs it’s time to take action. Bankruptcy might not be your first thought—but it could be your best option. Schedule free consultation with our office today — 703-880-4881.



Ashley F. Morgan Law, PC is a debt relief agency. We help people file for bankruptcy.

04/19/2025

Drowning in credit card debt? You’re not alone—and you do have options.

If you’re stuck making minimum payments, falling behind, or using new cards to pay off old ones, it’s time to take control.

✅ Stop the interest spiral
✅ Wipe out credit card debt
✅ Start fresh and rebuild

Bankruptcy might be the most cost-effective way out.

Let’s talk about your options—confidential and judgment-free.

📲 Schedule a free consultation: afmorganlaw.com



Ashley F. Morgan Law, PC is a debt relief agency. We help people file for bankruptcy.

04/19/2025

Attorney Ashley Morgan spoke to US News about steps to pay off debt.

Freedom from debt may feel like a distant dream, but experts say with the right strategies, you can accelerate your payments and pay off your balances faster.

04/18/2025

Exploring Bankruptcy Options?

If you're unsure whether Chapter 7 or Chapter 13 is the right choice for you, we can help!

⚖️ Chapter 7: Wipes out most unsecured debts quickly.

📈 Chapter 13: Helps you catch up on missed payments while protecting assets.

👉 Schedule a free consultation today to discuss the best path toward financial relief.



Ashley F. Morgan Law, PC is a debt relief agency. We help people file for bankruptcy.

04/18/2025

Still making minimum payments but your balances never go down?
It might be time to ask a tough but important question:
👉 Should you stop paying your credit cards?

We’re not saying you have to stop—but for some people, continuing to pay high-interest cards just delays the inevitable. If your debt keeps growing, you’re using credit to cover basics, or you’re falling behind on necessities—it might be time to rethink your strategy.

Our latest blog breaks down:
✔️ Signs it’s time to stop paying
✔️ What happens when you stop
✔️ How bankruptcy or other options can offer real relief

Know the risks. Know the options. Make the right move.
📖 https://afmorganlaw.com/stop-paying-credit-cards/

Wondering what happens if you stop paying credit cards? Learn the real consequences—credit score drops, lawsuits, garnishments, and more.

04/17/2025

Drowning in debt? You don’t have to figure it out alone.
Whether you’re behind on credit cards, facing collection calls, or worried about losing your paycheck to garnishment—there are legal solutions available. Bankruptcy might help you leave those debts behind and get a fresh start.

We help individuals and families in Northern Virginia find the best way forward, including:
✔️ Chapter 7 & Chapter 13 Bankruptcy
✔️ Tax Debt Relief
✔️ Wage Garnishment Help

📍 Offices in Herndon & Manassas | 💬 Free consultations available
Let’s talk about your options.

Ashley F Morgan Law, PC is a debt relief agency. We help people file for bankruptcy.

04/17/2025

Is a creditor taking money from your paycheck? You can make it stop.

Wage garnishment is stressful—but bankruptcy can stop it immediately.

⚠️ Don’t wait while more paychecks disappear.
✅ Bankruptcy can stop garnishments, erase debt, and give you breathing room.

Take back control of your income.
📲 Learn how we can help: afmorganlaw.com



Ashley F. Morgan Law. PC is a debt relief agency. We help people file for bankruptcy.

04/17/2025

Attorney Ashley Morgan spoke to Reader’s Digest about times to avoid using credit cards. While credit cards often provide protections for transactions, sometimes you want to avoid an additional fee, use cash or avoid the transaction all together.

Credit cards might be convenient and reliable, but there are some scenarios where swiping or entering your digits could be dangerous.

04/16/2025

Chapter 13 vs. Debt Settlement: What’s the Better Way Out of Debt?

If you’re deep in debt and looking for a solution, you’ve probably seen ads promising to “settle your debt for pennies on the dollar.” But is debt settlement really the best choice—or is Chapter 13 bankruptcy a smarter, safer path?

It is critical you understand:

• How Chapter 13 can legally reduce or eliminate debt
• The hidden costs and tax consequences of debt settlement
• What actually protects your income, assets, and credit long-term

If you’re weighing your options, don’t miss this side-by-side comparison:

In considering Chapter 13 vs debt settlement, it is critical to understand each. Bankruptcy offers many legal protections that are important.

04/16/2025

💸 Feeling overwhelmed by debt? You’re not alone—and you do have options.

Bankruptcy isn’t the end—it’s a fresh start. For many, it’s the fastest way to stop the stress, wipe out debt, and rebuild credit.

Bankruptcy may be able to:

🏠 Protect equity in your home
🚗 Keep your car
📉 Eliminate most debts
📈 Start rebuilding your credit

📲 Find out if bankruptcy is right for you:
👉 afmorganlaw.com



Ashley F. Morgan Law, PC is a debt relief agency. We help people file for bankruptcy.

04/16/2025

💸 Should You Use Your 401(k) to Pay Off Debt?

It might feel like the responsible choice—but it could cost you thousands in taxes, penalties, and lost retirement savings. Before you drain your future, learn how Chapter 7 or Chapter 13 bankruptcy could eliminate your debt without touching your 401(k).

📖 Read more: https://afmorganlaw.com/401k-to-pay-off-debt/

✅ We break down the real math, real examples, and better options.
👩‍⚖️ Serving Virginia residents with smart debt relief strategies.

Ashley F. Morgan Law, PC is a debt relief agency. We help people file for bankruptcy.

Thinking about using your 401(k) to pay off debt? Learn about risks and explore safer alternatives like Chapter 7 or Chapter 13 bankruptcy.