Bankruptcy Cases

HONEST, EFFECTIVE & AFFORDABLE

Are You Struggling with Debt?

Have you suffered a garnishment, a repossession, going through a foreclosure or an eviction?  Are creditors calling you and making you feel uneasy and anxious all of the time?  We are sorry.

Are You Considering Bankruptcy?

You’ve come to the right place for quick help

and immediate personal service.

Let’s face it.  Bad things happen to good people.

A Fresh Start in Life is Possible !

 

We are here to help you !

With Affordable, Effective and Personal Service.

See legal fee and more cost information at the bottom of this page.

 

CHAT with us  NOW  

by CALLING or TEXTING US

at 804.300.9086

Or  Call Us 

804.935.8549

Our fees are affordable and very competitive and

YES we do provide payment plans!

WE HANDLE CHAPTER 7       and

CHAPTER 13 CASES for Debtors

ALSO:  If someone OWES YOU or your firm money and they have threatened bankruptcy

we handle many of those situations as well (creditor representation),

including Chapter 11 cases in those instances.

 

TO CHAT NOW

please TEXT 804.300.9086.

To talk to a lawyer fast please call

804.300.9086

or

804.935.8549    

or you can do it yourself at
“Set Up Appointment” page on this site.

A legal notice that all of our bankruptcy clients are required to read is at

(click here): https://www.davidlentzlaw.com/bankruptcy-client-notice/

 

LIQUIDATION.  ….WHAT DOES IT MEAN?  

DON’T BE FOOLED OR AFRAID BY THAT WORD.

“Liquidation” is just the title of a chapter

in the Bankruptcy Code

A straight Chapter 7 Bankruptcy

is called a “Liquidation”.

Scary term, but most of the time it’s no problem.

If you qualify for a Chapter 7 bankruptcy

we apply your EXEMPTIONS (which is the property YOU KEEP)

in such a way so that you get to

KEEP ALL OR MOST OF YOUR PROPERTY.

We find this happens in many, if not most, cases

And when it does

Not  only are you are relieved of your debts

(with no need for a creditor repayment plan)

(except you normally must continue payments on most secured loans

like most home mortgages and vehicles etc)

But importantly, you also get to keep your property.

So ask us if we can do this for you.

We also Handle Chapter 13  [Payment Plan] Bankruptcies

[for those who are qualified]

These are 3 to 5 year Repayment Plans

for folks who do not qualify for Chapter 7

And we find that most of the time

our client’s keep all of their property there too.

Again, just ask us.

 

Legal Requirements, Fees and Costs.

IMPORTANT:  TWO COUNSELING COURSES REQUIREMENT:  In essence the Bankruptcy Code requires that all debtors take 2 courses (one credit counseling, the other financial management). The first before you file the Bankruptcy Petition (but the course can’t be taken more than 180 days prior to filing the Bankruptcy Petition).  The second course, on the other hand, can only be taken, after the bankruptcy petition is filed but it must be completed (and certificate of completion filed) before 60 days has passed after the Section 341 Creditors Meeting.  Failure to meet either of these requirements will, unfortunately, either cause your case to be dismissed (meaning you still owe your debts) and/or you will not be granted a discharge (again meaning your debts remain in effect).  But don’t worry too much, several vendors make these requirements relatively inexpensive, convenient and easy to fulfill. We can assist you  with this process.  And, if for some reason it is impossible for you to comply with this requirement, waivers are possible in some hardship instances for people with disabilities etc.  Ask us.  These courses generally cost around $15 to $25 each.  Again we can assist you with sign up and finding the least expensive and convenient courses.

 

CREDIT REPORT.   We will also have to obtain a copy of your credit report. The cost to pay for this report charged by the relevant credit reporting agencies is again in the $10 to $15 range.

The Bankruptcy Court Clerk’s filing fee:  (Chapter 7 Case)  $ 338

BOTTOM LINE:

A Chapter 7 Bankruptcy for a single debtor will cost $1,250 in many cases.     In short, we generally collect  $ 1,250.00   to represent a single debtor in Chapter 7 case.*  This includes moneys for all of the fees for the, Bankruptcy Clerk filing fee, the legally required credit counseling course, the financial management course and the credit report all noted above.  It includes our fee ($865).  While do offer installment payment plans and we can start work on the necessary schedules to file the Bankruptcy Petition, no filing of the Bankruptcy Petition can actually take place until we receive all of the foregoing moneys necessary to pay for all of the above fees and costs (including our own).

(*There may be some circumstances where we may have to charge a higher legal fee, if for example, there are foreclosures, garnishments and/or other legal actions have already been taken by creditors and/or  if there are numerous reaffirmation agreements with mortgage companies and car lenders etc .to continue installment payments on property that debtors want to keep.  However, we always endeavor to keep our legal fees below $1,025 (or $1410 if all the above third party charges are also included.)

 

We apologize, in advance, for a lot of  this legal garbally gook below but ya gotta do what ya gotta do…

[All of the statements on this page are generalized observations based on our experience.  Your results could differ.  Nothing on this or any other page on this website should be taken as a guarantee of  results.  All litigation, including Bankruptcy, is inherently uncertain and results cannot be guaranteed by us…..or anyone else for that matter.]

Attorney advertising. We are a debt relief agency. We help Virginia people and businesses file for bankruptcy under the U.S. Bankruptcy Code.  The information contained on this website is intended to convey general information. It should not be construed as legal advice or a legal opinion.  A communication using via the internet using this website does not necessarily create an attorney-client relationship and, as such, may not be privileged or confidential.  Without an agreement signed by us to represent you, information contained on this site is not an offer to represent you, nor does it necessarily create an attorney-client relationship. Any testimonials seen on this site are actual law firm clients; photos, however, are not actual clients and are for representation purposes only.

Thanks and Good Luck on Your Case !