The Richmond Bankruptcy Firm

You’re sitting at home, looking at stacks of bills and overdue notices.  You wonder how you can make it all work financially. You lost your job. Your expenses are still the same, and now your debts are higher than you cany pay, and it's starting to overwhelm you. As you think and worry, that word comes to mind.  The word you never, ever thought you’d use--bankruptcy.
 
But then, you probably never thought about exactly what bankruptcy is, or what it means, or how it works, let alone that it might just be a viable solution for somebody in your situation. Versus an overwhelming disaster.​

Because understanding how bankruptcy works and can affect you life, that knowlege requires serious legal know-how. Therefore the place to start is by seeking guidance from a licensed bankruptcy attorney who knows the process and laws that apply to you in this state.  Although bankruptcy is managed through federal courts, it is also subject to laws of Virginia.

About Us
The Richmond Bankruptcy Firm was established to help its clients understand and successfully navigate the bankruptcy process. Our practice has grown over time and now includes an experienced team of bankruptcy attorneys and paralegals who have knowledge and experience in the different types of bankruptcy, and helping you determine which one is best. Having an attorney on your side weighing your options, preparing your filing, meeting with creditors, negotiating with the trustee, and being there in court proceedings is an absolute necessity for most people. This is just too complex a process for the average person to handle on their own.

Our Bankruptcy Services

The services we provide as bankruptcy attorneys go beyond the topics that are listed here on our website. You will need so much more than can be described on any website, when it comes to filing for bankruptcy. We can guide you to the debt solution that will be best for your current financial situation and budget. If you have extensive debt and have tried to get things in order yourself, but have only fallen further behind, and feel like there is no hope for you financially, bankruptcy may well be the best choice for you. Whether you have credit card debt, are behind on your mortgage payments, can no longer pay on your car, and are drowning in debt, let us help you make a plan to get out of debt and get back on your feet in a normal life again.

Declaring Bankruptcy

The decision to file for bankruptcy does not come easy. Neither is the bankruptcy process itself. There is a lot of paperwork and decision-making that comes with it. And it can be difficult-toi-impossible to handle on your own, especially when you have so much to lose. Bankruptcy should be a last resort. But it can be incredibly beneficial if it's a good fit for your financial and life situation.

Use a Bankruptcy Attorney Near You

Two important considerations when choosing a bankruptcy attorney:  find a lawyer in your state (assuming that's Virginia).  And find one who's near where you live or work.  Having ready access to bankruptcy attorney to guide you through the process is critical. So if you hire one who lives and works in your area, the process is going to be easier for you. An attorney in your area will not only have the knowledge of bankruptcy and the experience in your bankruptcy court to help you get your bankruptcy approved, but they will also be able to help you adhere to that court's specific rules and procedures that apply to you and the creditors that you have to work with.

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is an option for people who are ready to or must liquidate their assets in order to pay off their debts. There are certain standards for eligibility and your attorney can help you apply and provide the necessary information for your petition to be heard in court.

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy is a good option for those who are able and prepared to make a plan to pay off their debts at lower amounts and over a period of time. This kind of bankruptcy can essentially consolidate your debt and make it simple for you to make payments and get out of debt.

How to Stop Foreclosure

If you are facing foreclosure on a property you own, there are several things that you can do with the help of an attorney to stop the foreclosure process. If you want to save your home or just save your credit, schedule an appointment with one of our experienced attorneys.

Getting Credit After Bankruptcy

During bankruptcy and after your debts have been discharged, it can be a difficult process to rebuild your credit. But is definitely something you can do.  And that's part of the reason for declaring bankruptcy--so you can start over again.  So, getting new credit after bankruptcy is not hopeless, by any means.  With the guidance of an experienced bankruptcy attorney, you can get your credit back on track.

Contact The Richmond Bankruptcy Firm

We are ready and waiting to hear from you, and to answer any questions that you have about bankruptcy and the services you need. You can reach our client service staff and paralegals every workday. They are extremely knowledgeable about bankruptcy, and will help you decide if scheduling a free evaluation with one of our attorneys would be right for you. Call us during our business hours, or send us the contact form on this page, if we are out of the office. We will get back to you within 24 hours to get you started on your new financial future.

“My family was about to lose the home of our dreams after me and my wife both got laid off within months of each other. We were scrambling, scraping together every last penny we had but we still kept falling further and couldn't keep up. The attorneys at The Richmond Bankruptcy Firm helped us file for bankruptcy. They even showed us how we could keep our home. My wife and kids, and our parents are more grateful than we know how to say.”– Jerry F.

“I didn't realize in the beginning what a difference it would make hiring a bankruptcy lawyer. I went online and tried to file Chapter 7 by myself before and just ran into a legal wall. What a *(>!&^ mess! I was not able to get approved. My attorney at The Richmond Firm helped me every step of the way--to get all the necessary information and just to have somebody on my side during all the meetings and proceedings. No way could I have done it without them.” – Terrence L.

“Filing for bankruptcy is the last thing I ever figured I would have to do. I just lost track of my credit and payments. And never really learned how to manage my income and expenses. I didn't really realize how important it was to take care of those things. Now I am halfway through my Chapter 13 process of getting out of debt and getting my life together, thanks to these patient people helping me.  Again, Ron and the rest of the crew, thank you soooo much.”– Grayson W.

CALL FOR MORE INFO