CHESTERFIELD & RICHMOND, VIRGINIA
Chesterfield Bankruptcy Law helps people across central Virginia stop creditor calls and protect their home and car. We guide you through Chapter 7 or Chapter 13 with a clear, flat-fee plan, start to finish.
BANKRUPTCY IN VIRGINIA
Bankruptcy in Virginia is a powerful legal tool. It can erase debt, stop collection action, and give you room to breathe. Despite what you might have heard, it doesn't mean losing everything. The bankruptcy code is built to leave you with what you need to start over: a roof over your head, a way to get to work, and the basics for your family.
Every situation is different. Bankruptcy isn't always the right next step. Our job is to lay out every option honestly, including the ones that don't involve filing, so you can choose with a clear head instead of out of fear.
PRACTICE AREAS
We focus only on Virginia bankruptcy law. That means we go deeper into your options than a general practice firm can.
Wipe out unsecured debt and stop collection calls in as little as six months.
Catch up on your mortgage and keep your home and car with a manageable repayment plan.
An automatic stay can pause foreclosure and eviction the moment your case is filed
WHY CHESTERFIELD BANKRUPTCY LAW
You work directly with an attorney, not a call center. She has guided thousands of Virginia families through Chapter 7 and Chapter 13, start to finish.
An attorney, not a paralegal, talks through your intake and your goals, so nothing about your case gets lost in translation.
Our flat fee covers legal fees, bankruptcy filing fees, your credit report, and homestead deed filing fees. No surprise charges.
We’ll walk through your options, the pros and cons of each, and the real costs, with zero obligation to file.
Virginia bankruptcy law is the only thing we do. That focus means we often spot options other attorneys miss.
YOUR PATH FORWARD
We listen to your situation in person, by phone, or online. Then we explain every option you have.
Together we decide whether Chapter 7, Chapter 13, or another approach fits your income, assets, and goals.
Once your petition is filed, the automatic stay stops most creditor calls, wage garnishment, and foreclosure.
You complete your case with debts discharged or restructured, and a clear plan for rebuilding credit.
MEET YOUR ATTORNEY
Bankruptcy Attorney, Chesterfield Bankruptcy Law
Jeanne has guided thousands of Virginia families through Chapter 13 and Chapter 7 bankruptcy since 1994. Before law school at the University of Virginia, she worked in banking and bank regulation, so she understands exactly how creditors evaluate a repayment plan.
She and her team keep overhead low, which is exactly how they keep fees reasonable. As a result, you'll get a returned phone call, a straight answer about whether Chapter 13 requirements in Virginia fit your numbers, and steady updates as your plan moves forward.
IN THEIR OWN WORDS
Summarized from verified client reviews on Avvo.
WHERE WE PRACTICE
We represent Chapter 13 and Chapter 7 clients across central Virginia, and we regularly appear before the U.S. Bankruptcy Court in Richmond.
When it comes to your free bankruptcy consultation, you can meet with us in our Chesterfield office, by phone, or virtually. Whenever and wherever feels right for you.
Chesterfield Bankruptcy Law | 3601 W. Hundred Road, Unit 2 | Chesterfield, VA 23831
FREQUENTLY ASKED QUESTIONS
Usually not. The bankruptcy code includes exemptions designed to protect your home. Under Chapter 13, you can typically keep your house while catching up on missed payments through a structured plan. Chapter 7 can also work if you’re current on your mortgage and your equity falls within Virginia’s exemption limits.
Chapter 7 wipes out qualifying unsecured debts, usually within about six months. But first you have to pass a means test. Chapter 13 reorganizes your debt into a 3-to-5-year repayment plan. It has no income cap, and lets you catch up on a mortgage or car loan while keeping the property. We’ll help you figure out which one actually fits your numbers.
Filing for bankruptcy puts an automatic stay in place right away. It stops most wage garnishment right away too. In some cases, we can even recover funds that were already garnished. The sooner you call, the more options you typically have.
Bankruptcy filings are public record, but in practice they rarely come up. Your employer isn’t notified, and neighbors and friends generally never find out unless you tell them. Courts and bankruptcy law also prohibit most forms of discrimination based on a filing.
This is one of the most common concerns we hear. Our flat-fee structure is built with that in mind, and we’ll lay out the full cost upfront during your free consultation, along with payment options, before you commit to anything.
We offer a flat fee that covers legal fees, bankruptcy filing fees, your credit report, and homestead deed filing fees. The only separate cost is the required credit counseling course, usually around $10.
In most cases, yes. Virginia law protects part of your car’s value. Chapter 13 in particular is often used to catch up on a car loan while you keep the car. We’ll look at your loan, your equity, and your goals to map out the safest route.
TAKE THE FIRST STEP
One consult can tell you whether bankruptcy is the right move for you. We can also show you how bankruptcy can help your situation. There's no obligation, and no judgment.
3601 W. Hundred Road, Unit 2, Chesterfield, VA 23831
We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code.
