Central Virginia Chapter 7 Bankruptcy Lawyer

Richmond Credit Card Debt Relief Attorney

At the Central Virginia law office of Graham T. Jennings, Jr., P.C., we understand the stresses and difficulties associated with financial hardships. Depending on your situation, you may be facing extensive credit card debt, medical bills or mortgage payments.

Our experienced legal team is directed by attorney Graham T. Jennings, Jr., who has 33 years of experience practicing law. With his guidance, we provide comprehensive Chapter 7 bankruptcy representation.

"We are committed to helping you pursue federal Chapter 7 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.

Comprehensive Representation

Our Central Virginia Chapter 7 bankruptcy attorneys handle your entire process from start to finish. After explaining the law and advising as to likely benefits and outcome of a Chapter 7 bankruptcy, we sit with you to review all necessary documentation. We understand the federal bankruptcy code. We can effectively and correctly prepare and file your Chapter 7 petition.

Our representation extends to required hearings, whether or not they are adversarial. We are also committed to keeping you informed about your case every step of the way. We don't want you to experience any surprises.

Bankruptcy Exemptions

Chapter 7 basically allows you to discharge, or be relieved from, paying certain non-secured debt and secured debt if you do not wish to keep the asset that secures the debts. When filing for protection, a comprehensive statement of assets, debt, income and expense is placed with a Trustee appointed by a United States Bankruptcy Court. The Trustee oversees your bankruptcy to ensure that all parties receive fair treatment under the federal bankruptcy code.

Our legal team is dedicated to protecting your interests. We can perfect state and federal exemptions when filing your petition. These exemptions allow you to shelter certain assets, such as your home, motor vehicle, household furnishings and other assets pursuant to specific guidelines.

Understanding Liens

Property liens can be complex, especially during Chapter 7 bankruptcy. Our team understands how the federal and state law impact liens. Under certain circumstances (pre-petition judgments that have been properly docketed) a lien may survive a Chapter 7 case. We will advise and, if possible, help you avoid such an outcome.

Not Allowed to Discharge

Under the federal bankruptcy code, you may not be able to receive discharge for specific debts. While the following is a partial list of debt that may not be dischargeable, we can evaluate your financial situation to help determine the best course of action.

For example, you may not be able to have discharged:

  • Credit cards balances accrued within four months of filing a petition
  • Certain types of judicial judgments
  • Assets obtained through crime, embezzlement or fraud
  • Spousal support payments
  • Child support obligations

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.