Virginia Beach Chapter 13 Bankruptcy Attorneys
Virginia’s Largest Consumer Bankruptcy Law Firm
Financial hardship is an overwhelming reality for many hardworking individuals. Whether you are behind on mortgage payments, worried about foreclosure or vehicle repossession, or simply want to secure a more stable financial future for your family, our Chapter 13 bankruptcy lawyers at Boleman Law Firm, P.C. can help you pursue the fresh start you deserve.
Since 1991, our firm has helped over 150,000 individuals find solutions for overwhelming debt in Virginia Beach. Our goal is to help you create a manageable repayment plan, protect your assets, and rebuild your life. When you partner with our attorneys, you can expect caring and personalized counsel backed by decades of experience and the highest rate of Chapter 13 discharges in the state.
If you’re filing for a Chapter 13 bankruptcy in Virginia Beach, our lawyers can represent your best interests. Contact us online to discuss your case.
What Is a Chapter 13 Bankruptcy?
A Chapter 13 bankruptcy or “wage earner plan” provides the opportunity to restructure debts through a court-approved payment plan. The plan typically lasts three to five years, depending on your income and household size. This option is often suitable for debtors whose income is too high to qualify for Chapter 7 or who wish to retain valuable assets that may be at risk in a Chapter 7 filing.
Who Is Eligible to File for a Chapter 13 Bankruptcy?
To qualify for a Chapter 13 bankruptcy, you must have a steady source of income that allows you to make regular payments under a court-approved plan. Your secured and unsecured debts must be below federal limits, which are adjusted every few years.
You must also complete a credit counseling course from an approved provider within 180 days before filing. In addition, you cannot have a recent bankruptcy case dismissed within the past 180 days due to a willful failure to appear or comply with a court order.
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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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Bankruptcy Glossary Confused about certain terminology?
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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.
Do I Need a Lawyer for a Chapter 13 Bankruptcy?
While filing for bankruptcy can provide hardworking people with the fresh start they deserve, it also has long-term legal and financial consequences. Securing experienced representation is strongly recommended for any bankruptcy filing.
Some key reasons to work with our Chapter 13 bankruptcy attorneys include:
- Legal guidance. We provide personalized counsel to help individuals navigate the filing process and find the right solutions for their financial circumstances.
- Asset protection. Our lawyers can help you protect your car, home, and other hard-earned assets.
- Proven results. 75% of our caseload is Chapter 13 filings, giving you peace of mind that your case is in trusted hands.
- Dispute management. We communicate with creditors and trustees to minimize stress and prevent errors that may delay or jeopardize your case.
If you’re filing for a Chapter 13 bankruptcy, we can guide your legal steps with care and precision. Call (757) 666-4899 to schedule a free consultation.
chapter 13 bankruptcy FAQ's
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Will I Lose My Property if I File for a Chapter 13 Bankruptcy?In most cases, you will not lose your property by filing under Chapter 13. The purpose of Chapter 13 is to allow debtors with steady incomes to keep their assets while making manageable monthly payments.
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Can a Chapter 13 Bankruptcy Save My Home from Foreclosure?A significant benefit of a Chapter 13 bankruptcy is the ability to halt foreclosure proceedings. By filing, you can propose a plan to catch up on missed mortgage payments while keeping your home. If you’re concerned about a foreclosure, our attorneys can review your financial circumstances to determine if a Chapter 13 filing is an appropriate path forward.
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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.
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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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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.