There’s a Path Forward
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Vehicle RepossessionLosing your car or truck can be disastrous because you need it to get to work, take the kids to school or even get to the grocery store.
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Tolls & Vehicle RegistrationTolls in Virginia can build up and interfere with your life and threaten your vehicle.
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Student LoansMillions of Americans have student loans. And sometimes life, jobs and circumstances get in the way. We can help you.
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Problems with DIY BankruptcyThinking of trying to file bankruptcy without a lawyer? Do It Yourself bankruptcies, also called Pro Se bankruptcies are rarely successful.
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Payday & Title LoansGot a payday or title loan that never seems to get paid off? A payday or title loan may have seemed like the only answer at the time. But between the fees and interest it never gets paid off and now you owe more than ever.
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Overwhelming DebtMedical bills, credit card debt, payday loans – there are good reasons why you’re behind on your bills. We can help you.
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Overdue BillsWow! The bills just keep coming. Credit card, car payment, mortgage or rent, medical, power and utilities. Just to name a few! It’s difficult to juggle them all at once. One gets missed. Then another. Pretty soon you’re behind, worried and don’t know what
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Mortgage Servicing IssuesEven though your home is your most valuable asset, you probably don’t have a say in who services your mortgage. What should you do if your mortgage company makes a mistake? Contact Boleman Law if your mortgage company has made a mistake.
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Medical BillsMedical costs are a fact of life. And even if you have health insurance, there’s the deductible and items insurance doesn’t cover. If you’re like most people, living paycheck to paycheck, medical debt can make it very difficult to keep the bills paid.
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Judgement or LiensHave you received notice of a judgment or lien? Ignoring it won’t make it go away. You’ve had a financial problem or a bill you couldn’t pay. A tax problem, perhaps. Now there’s a judgment filed against you.
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Job LossLiving paycheck to paycheck? Now your job is gone! Losing your job – and your income – can be devastating. How do you pay the bills? How long can you hang on? Where can you get help?
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GarnishmentMedical bills, credit card debt, payday loans or any number of other reasons can cause you to get behind on your bills.
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ForeclosureIf you’re facing foreclosure or struggling to keep up with your mortgage payments, a skilled, experienced lawyer can help you understand your rights and explore legal options to protect your home.
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EvictionsIf you’re facing eviction or behind on your rent, a skilled, experienced lawyer can help you understand your rights and explore legal options to stay in your home.
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DivorceHas a divorce put you up against the financial wall? Not only is a divorce a time of great emotional turmoil, it probably means that an income is gone and the responsibility for supporting a home and children now rests on one person – you.
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Credit Reporting InaccuraciesWhen was the last time you checked your credit report? Boleman Law Firm can assist you in reviewing your credit report for inaccuracies, for free!
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Creditor HarassmentSometimes bills get missed. Or you’re trying to juggle payments and it’s just not working. If you’re getting collection phone calls or letters, a skilled, experienced attorney will review your legal rights and protections.
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Asset ProtectionThe vast majority of people who file bankruptcy are good, hardworking people who have experienced a severe unanticipated circumstance. Often, these folks never even contemplate bankruptcy until they had no other options.
Our FAQ
Have questions? We are here to help. Still have questions or can't find the answer you need? Give us a call at 804-396-2005 today!
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Will a Chapter 13 Bankruptcy Affect My Credit Score?A Chapter 13 filing will remain on your credit report for seven years. While your credit score might drop initially, completing the repayment plan and making on-time payments can demonstrate financial responsibility and help you rebuild your credit over time. Our attorneys are familiar with these impacts to advise you on key legal decisions and help you regain economic stability.
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How Much Will My Monthly Payment Be After a Chapter 13 Filing?
The court will consider various factors to determine your monthly payment, including your disposable income, household expenses, the types of debts you owe, and the value of any property you want to keep.
Priority debts like taxes and child support are usually paid in full, while secured debts like mortgages or car loans can be spread out or caught up through the plan. Unsecured debts like credit cards or medical bills may only be partially repaid, depending on what you can afford.
Because every case is different, your payment could range from covering past-due balances to repaying a larger portion of overall debt. Our firm can evaluate your budget to estimate what your plan payment might look like and advocate for a fair arrangement.
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Can a Chapter 13 Bankruptcy Protect Me from Creditors?
Yes. Filing for a Chapter 13 bankruptcy triggers an automatic stay. This legal injunction halts most collection activities by creditors, including lawsuits and wage garnishments.