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Since bankruptcy law is based upon Federal Law and not State Law, you will file your bankruptcy case in the Federal Court and that Court is in Richmond, Virginia if you live in the surrounding counties. If you would like to know which counties file in Richmond, please call us at 804-355-1800 and we will be happy to check to see if your county is included in the Richmond Division.

Once you have paid all the fees you have been quoted and provided us with all the documents we have requested from you, we will set you an appointment to sign your petition and at that time, once you have reviewed all the paperwork thoroughly and signed where required, we will file the petition with the court.  At this time, and not before, you will have all the protections given by federal law against collection as well as from being sued in state court for nonpayment.

The following types of creditors are generally not dis-chargeable in a chapter 7 case under current law although some exceptions can apply:

The actions an individual takes leading up to filing bankruptcy can drastically affect his or her ability to get a "fresh start." By avoiding these seven mistakes, one can travel successfully through the bankruptcy process without losing a pound of flesh.

1. THE CREDIT CARD RUN-UP MISTAKE:

Many people are attempting to receive modifications to the terms or the balances of their mortgages before the filing of their chapter 13 case.  You may still apply for a modification of your mortgage even after you file but you must do all the paperwork directly and negotiate the new terms directly with the mortgage company.  The filing of your chapter 13 does not make you more eligible for a modification and the court has no ability to force the mortgage company to modify the terms or balance of your mortgage on your home.  The court must approve any modification in order f