Chapter 13 Bankruptcy: Reorganize And Restart Your Financial Life

Just as there are different tools for different tasks, there are different types of bankruptcy filings for different types of debtors. For many Virginians, Chapter 7 provides the most effective method for discharging debts and starting over. For those with a steady paycheck, Chapter 13 may be more appropriate.

At FerrisWinder, PLLC, we look to help clients understand their options and the protections bankruptcy has to offer. With over 35 years of combined legal experience, we provide the information and representation you need to confidently make decisions that will help you get out of debt.

Chapter 13 Bankruptcy Costs in Virginia

$750.00 Down.  If you do not qualify for a Chapter 7, a Chapter 13 can provide a structured repayment schedule that helps you pay off your debt over 3-5 years. We offer $100.00 off for all military, past & present.  More information about chapter 13 bankruptcy services >


Reorganization May Be The Best Strategy For Getting Out Of Debt

Often referred to as debt reorganization, in a Chapter 13 petition the court does not take any of your property, but rather allows you, through counsel, to propose a plan that levels the playing field and lets you design a comprehensive repayment plan.

Just as in Chapter 7, Chapter 13 bankruptcy provides powerful remedies to overcome a variety of financial hardships. Garnishments, creditor harassment and foreclosures can be stopped through the automatic stay and we can often spread out past due amounts for up to 60 months — no matter what the creditor says.

In most cases, a Chapter 13 filing takes three to five years to complete. At the end of your repayment plan, existing unsecured debts may be discharged. Although debts like student loans and past-due child support will remain, your reorganization efforts can account for these debts and help you get current.

As your lawyers, we have an entire arsenal of tools to help deliver a smart reorganization plan that works through the operation of the law. Your creditors may not love your cramming down their loan, but they often have no choice but to accept it upon confirmation of your plan.


To learn more about the benefits bankruptcy has to offer, reach out to us at FerrisWinder, PLLC. Our team of attorneys works with clients in Richmond, Petersburg and throughout Virginia.

This Is How We Do It:

  1. Call FerrisWinder, PLLC, at 804-767-1800 or email paralegal Cathy Wright by completing our contact form.
  2. We’re glad to set up a free consultation to answer your questions and make sure you qualify.

Many of our clients have found the process very helpful in lifting the burden of debt off of their shoulders. They quickly realize that bankruptcy is a useful tool, not a form of punishment. By working together, we can help you keep your home, stop garnishments, stop warrants in debt, stop repossessions, and often pay creditors back at pennies on the dollar.