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VIRGINIA BANKRUPTCY

CHAPTER 7

A Chapter 7 Bankruptcy in Virginia is a liquidation process in which you (the debtor) agree to hand over control of nonexempt assets to a bankruptcy trustee. In exchange for handing over your nonexempt assets, you are granted a discharge from certain types of debts. This discharge by filing bankruptcy in Virginia relives you of the legal obligation to pay the debts and subsequently prevents your creditors from attempting to collect payment from you. When declaring bankruptcy in Virginia, the assets you surrender to the bankruptcy trustee are liquidated and the proceeds are distributed to creditors according to something known in the law as "priority." If you feel you are in over your head, or you are being harassed by creditors, contact a Central Virginia bankruptcy lawyer today.

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VIRGINIA BANKRUPTCY

CHAPTER 11

A Chapter 11 Bankruptcy in Virginia provides for the reorganization of businesses, usually partnerships and corporations. The underlying concept of Chapter 11 bankruptcy in Virginia is the preservation of the business. When the business is preserved, creditors, shareholders, employees, suppliers, and consumers benefit.  A Chapter 11 case in Virginia legally begins by petitioning the Bankruptcy Court. However, the work should start far before the petition is filed: the chances of a successful reorganization increase with pre-petition planning, which is cost-saving in the long-run. If you think your business may benefit from a Chapter 11 bankruptcy in Virginia, contact a  Central Virginia business bankruptcy lawyer today.

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VIRGINIA BANKRUPTCY

CHAPTER 13

A Chapter 13 Bankruptcy in Virginia provides you (a consumer debtor) with a form of financial restructuring. If you have a regular income, a Chapter 13 bankruptcy plan is proposed to allow you to make regular payments to your creditors through a bankruptcy trustee for a duration of three to five years. A Chapter 13 bankruptcy in Virginia may allow you to, among other thing, stop foreclosure; recover vehicles which were repossessed;  and, modify secured debts. If plan payments are successfully completed, you may be able to obtain a discharge greater than those granted in a Chapter 7 bankruptcy in Virginia. If you feel like you are in over your head, or you are being harassed by creditors contact a Central Virginia  bankruptcy lawyer today.

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1-844-993-7529

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Lynchburg, Virginia

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Lynchburg, VA 24505


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