Fredericksburg Bankruptcy Law Attorney
Chapter 7 Bankruptcy Lawyer
At Barlow & Thomas, P.C., we bring two decades of experience to people in central Virginia, including individuals considering filing for bankruptcy. We pay close attention to detail, carefully examining all aspects of your financial situation so that we can identify and resolve all potential problems. We understand the stress and anxiety that come with a personal bankruptcy filing, and offer a relaxed atmosphere with easy access to our attorneys.
To set up a free telephone consultation to discuss your options, contact our office by e-mail or call us at 540-548-4120.
Our Personal Bankruptcy Practice
We focus our bankruptcy practice exclusively on filings under Chapter 7 of the federal bankruptcy laws. We will walk you through the “means test” established by the 2005 revisions to the bankruptcy laws, to determine whether you are eligible to permanently discharge certain debts under Chapter 7. If so, we will carefully explain which debts cannot be discharged, such as child support arrearages, student loans and certain tax obligations, as well as what property you can exclude from the bankruptcy sale, so that you get the outcome you need and expect.
We will handle all matters related to your bankruptcy filing, preparing and submitting all documents required throughout the process, and acting as your advocate in meetings or hearings with creditors, the bankruptcy trustee or the court.
Our attorneys take a thorough approach to bankruptcy, looking carefully at all issues, including:
- Your income to expense ratio
- The number of people in your household
- The amount of secured debt you have—Chapter 7 is also available for unsecured obligations, such as medical bills or credit card debt relief
We don’t make judgments about why you are considering a bankruptcy filing. We will be the calm voice of reason throughout the process, helping you relax as we take the steps necessary to get you a fresh financial start.
Contact Our Offices
We offer a free telephone consultation to evaluate your case. To schedule a conversation with one of our Fredericksburg bankruptcy law lawyers, contact us online or call our office at 540-548-4120 .
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.