Need an Experienced Chapter 13 Bankruptcy Lawyer in Charlottesville VA?
Robert S. Stevens has over 25 years of experience as a Chapter 13 bankruptcy lawyer in Charlottesville, Virginia.
How Much Will I Pay in Legal Fees?
Consultation is FREE and you won’t pay our law firm anything until court proceedings are completed.
What Is Chapter 13 Protection?
Chapter 13 bankruptcy is a 3-5 year payment plan bankruptcy that your attorney imposes on your creditors, essentially forcing creditors to accept the payment schedule.
When Do I Pay My Chapter 13 Attorney Fees?
Your legal fees will be incorporated into your payment plan. No payments are due up front except the court filing fee.
When Is Chapter 13 My Best Option?
If you earn more than a modest income, Chapter 13 is often preferable to Chapter 7. If you have acquired or accumulated wealth — not just your car and your primary residence — Chapter 13 can help you preserve those additional assets. Chapter 13 bankruptcy is also a popular option if, in spite of high income, you just cannot afford to pay every bill you receive.
My Bank Is Threatening Foreclosure on My Home
If you are behind on your mortgage and facing foreclosure, Chapter 13 is usually the only option to prevent foreclosure, enabling you to retain possession of your house, townhome, or condominium.
Should I File for Chapter 13 If I Am behind on Child Support Payments?
Chapter 13 is an excellent choice when you need to catch up on your child support obligations.
What If My Income Tax Payments Are Past Due?
Hiring a bankruptcy lawyer with experience in Chapter 13 protection is an excellent choice when you’re behind on your tax payments.
We usually can structure your payments to stop vendors from assessing additional late fees and interest charges.
What about Auto Loans?
We can reduce or eliminate interest due on your car loan, in some cases lowering your monthly payments so that you pay only the remaining principal due.
What Debt Limits Does the Law Set in Virginia for Chapter 13?
You may qualify for Chapter 13 protection as an individual or a married couple if you have regular income and owe unsecured debts of less than $383,175 (unsecured debts are debts owed to creditors who do not have liens on any collateral) and secured debts of less than $1,149,525 (secured debts are debts subject to valid liens such as mortgages and car loans).
Source: The Virginia State Bar
Chapter 13 Bankruptcy Consultation Is FREE
For a FREE Consultation, call us Monday to Friday from 9:00 am to 5:00 pm at 434-973-5012. After hours, you can leave us a voicemail or reach us via our contact page.
With over 25 years of experience providing Chapter 13 debt relief in Charlottesville, bankruptcy lawyer Robert Stevens has helped many Central Virginia residents in situations like yours. Our compassionate, friendly, and experienced law firm is ready to help you!