Newport News Chapter 13 Bankruptcy Attorneys
Virginia’s Largest Consumer Bankruptcy Law Firm
Financial hardship can be a stressful and dehumanizing experience. At Boleman Law Firm, P.C., we understand the high stakes involved in bankruptcy cases. If you are facing overwhelming debt in Newport News, our Chapter 13 bankruptcy lawyers can provide the caring and strategic counsel you need to get back on your feet.
Our attorneys bring over 30 years of experience to every case and have the highest Chapter 13 discharge rate in the state. Whether you want to stop a foreclosure on your home, catch up on tax debts, or avoid vehicle repossession, our goal is to provide clear guidance and practical solutions so you can move forward with confidence.
Don’t leave your financial future to chance. With over 150,000 cases handled, you can trust us to provide diligent and experienced representation while protecting your rights at every step.
If you’re filing under Chapter 13 in Newport News, our attorneys can advocate for the fresh start you deserve. Call (757) 997-2666 to schedule a free consultation.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy (also known as a “wage earner plan”) is a legal process for debt reorganization overseen by a federal court. This option is designed for individuals with a steady income who have fallen behind on payments, but want to keep valuable assets like their home or car.
Chapter 13 allows debtors to restructure debts through a court-ordered payment plan that typically lasts three to five years. During this time, the debtor makes manageable monthly payments to a trustee, who distributes the funds to creditors.
How Does a Chapter 13 Bankruptcy Differ from Chapter 7?
A Chapter 13 bankruptcy is designed to reorganize debt and help you catch up on secured loans, while Chapter 7 is a “liquidation” bankruptcy that eliminates most unsecured debt outright. Chapter 13 is often the better choice if you have assets to protect or your income is too high to qualify for Chapter 7.
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"I am beyond thankful!"
The professionalism, empathy respect and guidance that I received at the Boleman law office was an unforgettable experience that uplift my journey.
- Monica B. -
"Boleman law firm has been the best law firm in Virginia."They helped me and my wife so much I could never repay them for the help they did for us and they were very kind and helpful and always took my calls and always made sure I was doing my part and they never ever let us down they saved our home our automobiles and that was our life as I said they were like family the way they treated us and did so much for us and the price they charged us was so cheap and they never let us down. To us there is no other law firm that is like family.- David R.
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"I highly recommend Boleman Law firm if you are considering bankruptcy."Boleman Law Firm possesses some great lawyers. I had some fears about filing for bankruptcy but their staff walked me through the entire process. I was treated with respect and compassion. It’s not easy deciding to file for bankruptcy but Boleman made the process easy and relatively straightforward.- Robert M.
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"Guided us to a successful outcome."
We had a great experience . Their team is amazing. Very professional while being considerate of 2 older folks with special needs.
- Tom G.
How Our Chapter 13 Bankruptcy Lawyers Can Help
Bankruptcy can have long-term legal and financial consequences, making it crucial to have a knowledgeable attorney on your side. Some benefits of partnering with our Chapter 13 bankruptcy lawyers at Boleman Law Firm, P.C. include:
- Personalized guidance. We have a deep understanding of bankruptcy laws to help you find the right solution for your financial circumstances.
- Proven results. We pride ourselves on having the highest amount of Chapter 13 discharges in the state.
- Focus on Chapter 13 bankruptcy. Chapter 13 bankruptcy cases make up 75% of our caseload, giving you peace of mind that your future is in trusted hands.
- Asset protection. Our firm can help you protect what matters most by safeguarding your hard-earned assets.
- Dispute management. We handle disputes with creditors and trustees to reduce stress and prevent delays or dismissals.
If you’re filing for bankruptcy, choose Virginia’s largest consumer bankruptcy firm to represent your best interests. Contact us online to discuss your case.
chapter 13 bankruptcy FAQ's
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How Long Does a Chapter 13 Repayment Plan Last?If you file under Chapter 13, the length of your repayment plan will be determined by your income. Most plans last for three years, but can last up to five years with court approval. At the end of the plan, any remaining unsecured debt may be discharged.
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Who Is Eligible to File for Chapter 13 Bankruptcy?
Unlike a Chapter 7 bankruptcy, a Chapter 13 bankruptcy does not require an income-based means test to qualify. Instead, the eligibility requirements for Chapter 13 include:
- You must have a regular and stable income source that allows you to make payments. This income can come from a salary, self-employment, Social Security benefits, and other reliable sources.
- Your total debts cannot exceed certain limits set by federal law. These limits are updated periodically for unsecured debts (like credit cards and medical bills) and secured debts (like mortgages and car loans).
- You must not have received a prior Chapter 7 discharge within the last four years or a Chapter 13 discharge within the last two years. Restrictions may apply if a previous bankruptcy case was dismissed within the last 180 days due to a willful failure to appear or comply with a court order.
- You must have completed a credit counseling course from an approved provider. A certificate of completion must be included with your bankruptcy petition within 180 days before filing.
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Will I Lose My Property in a Chapter 13 Bankruptcy?No. In most cases, you will not lose your property in a Chapter 13 bankruptcy. The purpose of Chapter 13 is to allow debtors to keep their assets while reorganizing their debt into a manageable repayment plan. Unlike Chapter 7, which permits non-exempt assets to be sold, Chapter 13 allows you to keep your property as long as you are making responsible and timely payments.
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Will Chapter 13 Affect My Credit Score?A Chapter 13 filing can appear on your credit report for up to seven years. However, it is often a necessary and positive step toward rebuilding your credit. While your credit score will likely drop initially, completing a repayment plan and responsibly managing your finances can give you the opportunity for a fresh start. Many individuals see their scores improve within a few years of making on-time monthly payments.