Norfolk, VA Bankruptcy Attorneys
Guiding Virginians Toward a Brighter Financial Future
At Boleman Law Firm, P.C., we understand how stressful it can be to face financial hardships. Whether you’re facing mounting credit card debt, medical bills, wage garnishments, or the threat of foreclosure, our consumer bankruptcy lawyers are committed to guiding your legal steps with compassion during this uncertain time.
Since 1991, our firm has provided personalized counsel to individuals navigating bankruptcy in Norfolk. With over 30 years of experience and more than 150,000 cases handled, our highly skilled attorneys have an in-depth understanding of state and federal bankruptcy laws to help you move forward with confidence.
Bankruptcy can feel overwhelming, but you’re not alone. Contact us online to discuss your case with our compassionate attorneys in Norfolk.
-
"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.
-
"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.
-
"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.
we will help you
-
What Is the Difference Between Chapter 7 & Chapter 13 Bankruptcy?
There are two primary types of consumer bankruptcy: Chapter 7 and Chapter 13.
A Chapter 7 bankruptcy, also known as a liquidation bankruptcy, allows for the discharge of many unsecured debts, such as credit cards, medical bills, and personal loans. In exchange, non-exempt assets may be sold to repay creditors.
A Chapter 13 or “wage earner plan” bankruptcy creates a repayment plan for all or part of your debt. This plan typically lasts three to five years and is often used to stop foreclosure, catch up on mortgage or car payments, and reorganize priority debts.
-
What Is an “Automatic Stay” in Bankruptcy?
An automatic stay is a court order that goes into effect as soon as a bankruptcy case is filed. It temporarily stops most collection actions, including wage garnishments, repossessions, foreclosures, and creditor lawsuits. This protection is immediate, but it can be limited in certain circumstances, especially for repeat filings.
-
How Do I Know if Chapter 7 or Chapter 13 Is Right for Me?
The right chapter depends on your income, assets, debt type, and goals, such as stopping foreclosure or wiping out credit cards. Each type offers unique benefits and drawbacks, making it crucial to consult a knowledgeable bankruptcy lawyer about your specific situation.
At Boleman Law Firm, P.C., we offer free consultations to help you understand your legal options. Our attorneys can carefully review your case and financial goals to determine the best path forward and pursue a favorable outcome.
-
Can Bankruptcy Stop Debt Collection Calls & Lawsuits?
Debt collectors are generally prohibited from continuing collection activities during pending bankruptcy cases. Once the automatic stay is in place, creditors and collectors must stop contacting you and pursuing lawsuits. However, there are some limited exceptions to this rule. Having an experienced bankruptcy lawyer on your side is critical to protecting your rights.
-
Can Bankruptcy Discharge My Student Loan Debt?
No, student loans cannot be discharged in bankruptcy. However, there are some instances where bankruptcy may discharge other debts. In some cases, filing for a Chapter 13 bankruptcy can allow you to create a court-approved repayment plan.
Depending on your income and overall debt, this plan can reduce or pause certain loan payments. Our lawyers are well versed in these legal nuances to help you make informed choices for your financial future.
-
How Long Does Bankruptcy Stay on a Credit Report in Virginia?
Bankruptcy can be reflected on your credit record for up to ten years, regardless of the type or outcome of the case. While bankruptcy filings can affect credit scores, rebuilding credit is possible with help from a trusted bankruptcy lawyer. Our firm can assess your financial situation and help you find practical solutions to move forward with your life.
-
Do I Need a Bankruptcy Attorney?
Bankruptcy often has long-term financial and legal consequences for individuals and their families. Working with a competent lawyer is highly recommended to protect your future. Below are some key ways that an experienced attorney can assist you:
- Determining the right bankruptcy chapter. Your lawyer can help you decide between Chapter 7 and Chapter 13 to prevent a dismissal.
- Protecting assets. Your attorney can identify potential exemptions to retain property and avoid the unnecessary loss of valuable assets.
- Filing paperwork. Legal guidance is essential for completing forms accurately and on time while preventing errors and omissions.
- Handling creditor disputes. Your lawyer can negotiate or respond to objections from creditors or trustees to minimize surprises and potential liability.
- Navigating the legal proceedings. Your attorney can represent your best interests at the 341 meeting and advise you in subsequent court hearings to prevent mistakes that may jeopardize or delay your case.
