Virginia Beach Foreclosure Attorney 

Why Choose Us?

When you are choosing someone to help with a foreclosure problem, you are really choosing who will guide you through one of the most stressful times in your life. Many people in Virginia Beach turn to Boleman Law Firm, P.C. because we focus on consumer bankruptcy and related issues that directly affect homes. We understand how overwhelming it is to balance mortgage payments with credit cards, medical bills, and other debts.

Since 1991, we have filed roughly 150,000 claims on behalf of Virginians. More than 140,000 people have come to us to work toward regaining their financial health. That kind of volume means we have seen a wide range of situations, from homeowners who are only a payment or two behind to families who already have a foreclosure sale date on the calendar.

Our attorneys regularly help clients use Chapter 13 bankruptcy to address mortgage arrears. About 75 percent of our cases are Chapter 13 matters, and our firm has obtained a very high amount of Chapter 13 debt discharged in Virginia. For a homeowner, that experience can be important because Chapter 13 is often the tool that allows people to propose a repayment plan and seek protection under the automatic stay.

We also work as a coordinated team. You are not left to figure things out on your own. At different points in your case, you meet with the lawyer or administrative professional who is well-suited to handle that part of the process. Our aim is to explain each step in plain language so you always know what is happening and what we are working on together.

Foreclosure Timeline & Options In Virginia

Understanding how foreclosure usually works in Virginia can help you see why it is important to act quickly. Many residential foreclosures here are handled through a nonjudicial process that follows the terms of the deed of trust and state law. That means the lender can often move forward with scheduling a sale without first filing a traditional court lawsuit.

If you own a home in Virginia Beach, you may first notice late payment notices and default letters, followed by a notice of foreclosure sale from a trustee. The specific timing depends on your mortgage documents and lender practices, but once a sale is scheduled, the date can approach faster than most homeowners expect. Waiting until the last minute can limit the tools available to you.

One potential option for many people is a Chapter 13 bankruptcy case. When someone files a Chapter 13 petition, it typically triggers an automatic stay that can pause most collection activity, including many scheduled foreclosure sales. In a Chapter 13 plan, a homeowner may propose to catch up on mortgage arrears over time while also dealing with other debts in an organized way.

Other approaches, such as seeking a loan modification or discussing alternatives with the mortgage servicer, may also be considered in some situations. The right path depends on your income, the amount you are behind, the terms of your loan, and your overall debt picture. Part of what our foreclosure defense attorney team does is walk through these factors with you and explain which options may reasonably fit your circumstances.