Richmond Chapter 13 Bankruptcy Attorneys
Experienced Chapter 13 Bankruptcy Professionals Serving Newport News and Virginia Beach
Do you have a consistent income but are still struggling to keep up with your debts? Are you at risk of losing your home or car? Filing for Chapter 13 bankruptcy may be the most practical path forward. A Chapter 13 filing immediately stops any creditor action, such as wage garnishment, foreclosure, repossession, and attempts at collection, including phone calls and letters. This process allows filers to commit to a consolidated debt repayment plan that allows them to partially or fully compensate creditors over a three- to five-year period. Filers can keep their property (including their home and vehicle) so long as they make plan payments on time.
Chapter 13 bankruptcy may be a viable solution if you:
- Have income and assets you don’t want to lose
- Are behind on your mortgage and want to keep your home
- Are behind on your car payments, or want to retrieve a repossessed vehicle
- Are behind on state or federal taxes
- Have received a wage garnishment
Boleman Law Firm, P.C. is Virginia’s largest consumer bankruptcy law firm, and we have achieved the highest number of Chapter 13 discharges in the state. Chapter 13 can help you reorganize your finances, catch up on past-due payments, and protect your most important assets. Our experienced attorneys understand the complexities of Virginia bankruptcy law and can guide you through each stage of the process with clarity and compassion. We can work closely with you to understand your unique situation and develop a plan that makes sense for you and your family and allows you to regain control of your financial future.
Call (804) 396-2005 or contact us online to schedule a free, no-risk consultation with one of our Richmond Chapter 13 bankruptcy lawyers. We can meet with you virtually!
Am I Eligible to File for Chapter 13 Bankruptcy in Virginia?
Chapter 13 bankruptcy is available to individuals who have a regular source of income. If you do not have a reliable and consistent amount of disposable income, you will be unable to make plan payments, which is a key part of the process. If you have little to no current income, Chapter 7 bankruptcy may be a better fit.
Your secured and unsecured debts must also not exceed limits set by the U.S. Bankruptcy Code. Secured debts are “secured” by assets or real property, such as vehicle loans and mortgages. Unsecured debts are not secured and include credit card debt and medical bills. As of April 1, 2025, the current debt limits are $1,580,125 for secured debts and $526,700 for unsecured debts.
We understand that navigating these legal requirements can be confusing and overwhelming, but we are here to help. Our attorneys can guide you through every step of the process. We start by reviewing your financial situation to determine if Chapter 13 is the right option for you and if you meet the eligibility criteria. Once you we have confirmed you qualify and you decide to move forward, we can help you collect and organize all the necessary documents.
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Current Clients Are you a current client, and need help?
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What To Bring Unsure about what documents to bring with you to your upcoming appointment?
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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.
What Types of Debt Can I Discharge in a Chapter 13 Bankruptcy?
A "discharge" is a court order that permanently relieves you of the legal obligation to repay a debt. In a Chapter 13 bankruptcy, you receive a discharge only after you successfully complete your three-to-five-year repayment plan.
Chapter 13 bankruptcy allows you to discharge most types of unsecured, nonpriority debt that remain after completing your repayment plan, including:
- Credit card debt
- Medical debt
- Personal loans
- Payday loans
While Chapter 13 offers wide-ranging relief, some debts are considered non-dischargeable by law, and you must repay them in full through your plan. The most common examples of these "priority" debts include domestic support obligations (including alimony and child support), recent tax debts, and student loans. We can carefully review all of your debts with you to determine which ones are non-dischargeable and how your repayment plan must address them.
If you are at risk of losing your home or car, don’t wait to discuss your options with our attorneys. Call (804) 396-2005 or contact us online now.
chapter 13 Bankruptcy FAQ's
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How Does Filing for Chapter 13 Bankruptcy Protect My Assets?
In a Chapter 7 bankruptcy case, a bankruptcy trustee can sell your non-exempt assets to pay your creditors. In contrast, Chapter 13 bankruptcy allows you to keep all of your property, both exempt and non-exempt, as long as you can make the payments in your court-approved repayment plan. This is the central purpose of a Chapter 13 filing: You reorganize your debts and pay them back over time while you hold on to the property you worked hard to acquire. This protection is especially important if you own a home, have a valuable car, or possess other assets you do not want to lose.
The protection of your assets in a Chapter 13 case begins immediately when you file your petition with the court.An "automatic stay" takes effect, which is a court order that immediately stops creditors from taking any collection action against you. This means foreclosure proceedings on your home stop, car repossessions halt, and wage garnishments cease. The automatic stay gives you the breathing room you need to organize your finances and create a repayment plan without the pressure of constant collection calls and legal actions. As long as you continue to make your payments under the plan, the automatic stay remains in effect, and creditors cannot pursue your assets.
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If I File for Chapter 13 Bankruptcy, How Much Will I Pay Each Month?The answer is unique to your financial situation, as the law requires your monthly payment to be based on what you can afford and what is necessary to pay certain types of debt. There is no single formula that applies to everyone. Instead, we use a structured approach that considers your income, your expenses, and the types of debt you owe to calculate a payment that the court should approve and that you can manage. We can discuss what to expect during your initial consultation.
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How Long Will a Chapter 13 Bankruptcy Stay on My Credit Report?A Chapter 13 bankruptcy stays on an individual’s credit report for seven years.
