Richmond Chapter 13 (Individual Debt Adjustment) Bankruptcy Attorney

Central Virginia Repayment Plan Lawyer

Today's increasingly unstable economic environment has caused millions of individuals to file for federal bankruptcy protection. At the Richmond area law office of Graham T. Jennings, Jr., P.C., we understand how you may benefit from a Chapter 13 personal debt adjustment plan.

Our legal team devotes time, energy and resources to providing comprehensive bankruptcy representation. We can review your financial information to help determine whether you qualify for Chapter 13 protection.

"We are committed to helping you pursue a Chapter 13 debt repayment plan. We believe everyone deserves to get a fresh start. We want you to reduce debt and embrace peace of mind." - Graham T. Jennings, Jr.

Our Central Virginia Chapter 13 bankruptcy lawyer, Graham T. Jennings, Jr., possesses sophisticated knowledge of the federal bankruptcy code. He has been practicing law for 33 years, and dedicates a significant portion of his practice to bankruptcy law. He can evaluate your situation and provide a straightforward, solid opinion based on the law and his extensive legal experience. His goal is to create a repayment plan that you can live with so that a brighter future is possible.

Chapter 13 Guidelines

With a Chapter 13 repayment plan, you receive up to five years to pay, on a good faith basis, a percentage of certain debt. The goal is to file a plan that pays back unsecured non-priority creditors as much as you can. Upon filing a Chapter 13 bankruptcy petition, a bankruptcy Trustee is appointed. Pursuant to the terms of an approved Chapter 13 debt adjustment plan, the Trustee collects your payments from wages and disperses the funds to the appropriate creditors.

Chapter 13 bankruptcy may be a good means to prevent foreclosure on your home. Depending on the circumstances, you may be able to factor any mortgage arrearage into your repayment plan. It is important to consult with a skilled Chapter 13 advocate to avoid costly, permanent mistakes.

Our Thorough, Creative Approach

At the law office of Graham T. Jennings, Jr., we don't just plug financial data into a spreadsheet to create a repayment plan. We provide an effective, thorough approach to Chapter 13 debt adjustment. As your Chapter 13 unfolds, we anticipate and plan for common and unusual issues unique to Chapter 13. We do our best to ensure that you can afford your payments in the short and long-term.

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.