Central Virginia Bankruptcy Lawyer

Richmond Foreclosure Attorney

At the Powhatan County law office of attorney Graham T. Jennings, Jr., P.C., we provide effective, comprehensive bankruptcy representation. We understand how the current economic environment has placed millions of people in financial jeopardy. We dedicate our time, energy and resources to properly preparing and filing Chapter 7, Chapter 11, Chapter 12 and Chapter 13 bankruptcy protection for our clients.

Our Central Virginia bankruptcy attorney, Graham T. Jennings, Jr., has been practicing law for 33 years. His extensive background includes complex business formations and foreclosures. He can leverage his knowledge of the law to help you pursue debt relief and prevent a home, business, or family farm foreclosure.

"We are committed to helping you pursue federal bankruptcy protection. We believe everyone deserves to get a fresh start. We want you to eliminate debt and embrace peace of mind." - Graham T. Jennings, Jr.

Below are brief explanations for each area of bankruptcy that we handle. Please select a link to learn more about how our firm can help you achieve a brighter future.

Chapter 7

Federal bankruptcy codes for Chapter 7 provide strict qualification guidelines. To qualify, you must meet specific financial parameters. If you qualify, Chapter 7 bankruptcy protection basically allows you to discharge, or not pay, certain non-secured debt. Chapter 7 can prevent:

  • Creditor harassment
  • Wage garnishment
  • Liens
  • Lawsuits

Our legal team is dedicated to protecting your interests. We can leverage state and federal exemptions when filing your petition. These exemptions allow you to shelter certain assets, such as your home, under specific, complex guidelines.

Chapter 11

Chapter 11 allows you to reorganize your business's unsecured debts. With a careful analysis of your debts and assets, we can prepare a proper Chapter 11 repayment plan. Under a typical plan, you are allowed 72 months to repay your creditors. This bankruptcy protection can effectively allow you to stay in business while you restructure your debt obligations.

Chapter 12

Family farmers can pursue debt relief through Chapter 12 bankruptcy. Chapter 12 protection allows you to repay creditors through a court-approved reorganization plan. You are given a five year window of time to make payments to help eliminate or greatly reduce your debts. Our law firm has handled countless bankruptcies. We can help ensure your plan is approved by the court.

Chapter 13

With a Chapter 13, you are allowed to repay creditors up to sixty months to help reduce, or even eliminate, certain debts. Our Virginia Chapter 13 lawyer possesses sophisticated knowledge of bankruptcy code. We can review your financial situation to determine if Chapter 13 bankruptcy is your best option.

Free Initial Consultations

We are here to answer any questions you may have about your financial situation. Our law firm offers free initial consultations. Please call us at 800-282-7445 or 804-598-7912, or you may send us an e-mail.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.