Chapter 7 Bankruptcy: Achieving A Fresh Start Is Easier Than You May Think

For many Virginians, living with debt is just another part of life. Overdue bills, student loans, credit card bills, medical expenses, past-due mortgage payments, and numerous other expenses can quickly become unmanageable despite your best efforts.

At FerrisWinder, PLLC, we are a team of attorneys and professionals committed to helping people in Richmond and throughout the region retake control of their financial lives. For most, bankruptcy, namely Chapter 7, provides the most efficient and effective method for discharging debts and starting anew.

Chapter 7 Bankruptcy Costs in VA:

Chapter 7 Bankruptcy – Joint

Duration Varies · $1,599.00 (Inclusive of Attorney Fees, Filing Fees, Credit Counseling & Credit Report) Chapter 7 is often the most efficient and effective method for discharging your unsecured debts. We offer $100.00 discount for all military, past and present.  More information about chapter 7 bankruptcy services >

Chapter 7 Bankruptcy – Individual

Duration Varies · $1,499.00 (Inclusive of Attorney Fees, Filing Fees, Credit Counseling & Credit Report) Chapter 7 is often the most efficient and effective method for discharging your unsecured debts. We offer $100.00 discount for all military, past and present.  More information about chapter 7 bankruptcy services >

 

Overcoming Financial Hardships One Case At A Time

Bankruptcy is about protection, not punishment. Regardless of what you may have heard, filing for Chapter 7 bankruptcy offers numerous benefits, including:

  • Stopping wage garnishments
  • Stopping creditor harassment
  • Stopping foreclosures
  • Exemptions that allow filers to retain their property
  • A discharge of qualifying unsecured debts

Once your debts are discharged and your bankruptcy is complete, you will have the opportunity to start over with a clean slate. This means that in a relatively short period of time, you can rebuild credit and obtain a loan for a car or home.

With more than 35 years of combined legal experience helping hardworking people in our local communities, we are confident that we can help you find a solution to your debt issues. We will sit down with you, explain the bankruptcy process, outline debts that can be discharged and those that cannot, and work closely with you at each step.

Get Answers From Lawyers Who Understand What You’re Going Through

If you are considering filing for bankruptcy, take a moment to learn how our firm can surround you with the information, resources and protections you need. We are a local firm, which means you will have access to real people who live and work in the Richmond community. Although you may have seen commercials for large, national firms, there’s no substitute for the personal attention and local knowledge our practice can bring to your case.

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.