Debt rarely shows up as one clean problem. Credit card balances, medical bills, a car payment you can’t keep up with, a mortgage sliding toward default—each one raises its own questions about what comes next.
Since 1991, we’ve helped more than 140,000 Virginians look at the full picture and find a path that fits their situation. Here’s how we approach Chapter 7 and Chapter 13 consumer bankruptcy cases.
Chapter 7 and Chapter 13: Which One Fits Your Situation?
Consumer bankruptcy isn’t one-size-fits-all. The right starting point depends on the types of debt involved, your income, your assets, and the obligations that need attention.
We handle consumer bankruptcy cases that include:
- Chapter 7 bankruptcy
- Chapter 13 bankruptcy
Chapter 7 tends to be the right conversation when credit card debt or medical bills have become unmanageable, particularly for people with lower income or limited assets. Chapter 13 cases typically involve more moving parts—balancing a mortgage, vehicle payments, and sometimes debt tied to a struggling small business—which is why the facts behind each obligation matter.
You’ll meet with the right attorney or administrative professional at each step, so the process doesn’t feel like a handoff with no context. We look at how bankruptcy fits into the larger picture—debts, property, and whatever else is pressing.
Start With a Conversation
Bankruptcy is a legal process, but the first step is an honest discussion about what’s happening. We serve people in Richmond, Newport News, and Virginia Beach who need to understand whether Chapter 7 or Chapter 13 makes sense for their situation.
If you’re ready to talk, Boleman Law Firm, P.C. offers a free, no-risk consultation. Call us at (804) 358-9900 to get started.
