Richmond Debt Relief Attorney
Virginia’s Largest Consumer Bankruptcy Firm, Serving Richmond Since 1991
Debt doesn’t disappear on its own, and waiting rarely makes things easier. At Boleman Law Firm, P.C., we’ve helped more than 140,000 Virginians find a path through overwhelming debt, and we bring that same depth of experience to every Richmond resident who walks through our door. We’re Virginia’s largest consumer bankruptcy law firm, and the results reflect it: we’ve achieved the highest number of Chapter 13 discharges in the state.
What sets us apart isn’t just volume. Our team is built around distinct roles. You won’t work with a single generalist attorney from start to finish. You’ll meet with the right lawyer or administrative professional at each stage of the process, which means sharper advice and fewer gaps.
Ready to understand your options? Call us at (804) 358-9900 to schedule a free, no-risk consultation with an experienced bankruptcy lawyer. In-person and virtual appointments are available.
Two Paths to Debt Relief: Chapter 7 & Chapter 13
Bankruptcy isn’t one-size-fits-all. The right path depends on your income, the types of debt you carry, and what property you want to protect. Our attorneys assess your full picture and help you choose the option that makes the most sense.
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy is designed for individuals who can’t afford to pay their debts. It eliminates most unsecured debt, including credit card balances, medical bills, personal loans, and payday loans, through a court-supervised process. Eligibility is determined by a means test comparing your income to the Virginia median threshold.
Filing triggers an automatic stay, a court injunction that immediately halts wage garnishment, repossession, and foreclosure proceedings. Virginia exemptions protect household furnishings, clothing, tools of the trade, and retirement accounts, so many filers keep everything they own. Cases in the Richmond area are filed in the U.S. Bankruptcy Court, Eastern District of Virginia, Richmond Division. Our attorneys help you make the most of every available exemption.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy works differently. Rather than eliminating debt immediately, it creates a court-approved repayment plan lasting three to five years, allowing you to catch up on missed mortgage or car payments while keeping your property. The automatic stay takes effect at filing, stopping foreclosure, repossession, and wage garnishment right away.
After completing the plan, remaining eligible unsecured debts, including credit card debt and medical bills, can typically be discharged. Chapter 13 can also address certain tax debts and mortgage arrears that Chapter 7 cannot. We develop and submit the repayment plan on your behalf, and our Chapter 13 track record is among the strongest in Virginia.
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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.
Common Concerns About Filing for Bankruptcy
Most people who come to us waited longer than they needed to. The worry that they wouldn’t qualify, that they’d lose everything, or that bankruptcy would permanently damage their credit kept them from exploring options that were available the whole time. We hear this regularly from clients who tell us they wish they’d called sooner.
A few things worth knowing before you decide:
- You don’t need to be able to afford it: Chapter 7 is designed for individuals who can’t pay their debts. Cost concerns shouldn’t stop you from at least having a conversation.
- Your essential property is protected: Virginia exemptions cover a wide range of assets. Most Chapter 7 filers lose nothing in the process.
- Retirement accounts are safe: State and federal law protect retirement accounts in bankruptcy. Don’t withdraw them to pay creditors before talking to an attorney.
- Your spouse doesn’t have to file: An individual filing addresses only the filing spouse’s debts. A joint filing isn’t required.
- Bankruptcy and your credit: A bankruptcy will appear on your credit report, but eliminating or restructuring debt can improve your financial position and create a foundation for rebuilding.
Schedule Your Free Consultation with a Richmond Debt Relief Attorney
You don’t need to have everything figured out before you call. Our attorneys can review your situation, explain your options in plain language, and help you decide on the best path forward. There’s no obligation and no cost.
Boleman Law Firm, P.C. serves Richmond and surrounding areas including Henrico, Chesterfield, Hanover, and Goochland. We meet with clients in person and virtually, whichever works for you.
Call us at (804) 358-9900 to schedule your free consultation with a debt relief lawyer today.
