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Best Bankruptcy Attorneys in Chesapeake

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Anderson & Associates logo
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Anderson & Associates

2492 North Landing Road #104, Virginia Beach, VA 23456
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Founded in 2003, Anderson & Associates is a general practice law firm that serves clients in Chesapeake and the surrounding areas. Its team primarily handles bankruptcy cases for clients facing wage garnishments, lawsuits, house foreclosures, and car repossessions. It assists by filing chapter 7 or chapter 13 bankruptcy, preparing petitions, and preparing dossiers of clients' income, expenses, and debts. Anderson & Associates also provides criminal defense services for felonies, misdemeanors, and traffic violation charges.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
3.8 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Bedi Legal logo
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Bedi Legal

501 Independence Parkway, Lake Center 1, Suite 102, Chesapeake, VA 23320
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Bedi Legal, PC. in Chesapeake provides bankruptcy and debt relief solutions to individuals and businesses. Its team of bankruptcy lawyers reviews each client's financial situation and provides legal advice on possible bankruptcy options. Its services cover chapter 7 and chapter 13 bankruptcies. Its attorneys provide consultation services and help clients who are facing home foreclosures and car repossessions as well as wage garnishments and creditor harassment. They also provide debt negotiation services and resources for credit counseling.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (13)
Avvo
5.0 / 5 (7)
Facebook
5.0 / 5 (5)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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––
Berg & Chmielewski, PC logo
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Berg & Chmielewski, PC

Western Branch Boulevard, Chesapeake, VA 23321
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Firm of Berg & Chmielewski, PC in Chesapeake has been representing clients in several types of cases since 1981, including bankruptcy. The firm's bankruptcy lawyers and paralegals assist individuals and families in the evaluation of their options and qualifications for bankruptcy filings, particularly for chapter 7 and chapter 13 petitions. The company also handles cases involving family law, military justice, advanced medical directives, probate, wills, and estate planning. Aside from Chesapeake, the law firm also serves clients in Williamsburg, Newport News, Yorktown, Suffolk, Hampton, Norfolk, and Virginia Beach.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (83)
Avvo
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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DeGuzman Law logo
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DeGuzman Law

5900 E Virginia Beach Blvd #507, Norfolk, VA 23502
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

DeGuzman Law is a full-service legal firm assisting Chesapeake residents in bankruptcy filings. The firm represents clients in bankruptcy matters such as debt settlement, foreclosure defense, and chapter 13 reorganizations. Its legal team, led by founder Christian DeGuzman, repairs credit reports, assists in mortgage loan modifications, provides repossession defense strategies, and negotiates short sales. DeGuzman has been in private practice since 2009 and is a member of the APA Bar Association of Virginia.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (80)
Facebook
5.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Dickenson & Dickenson logo
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Dickenson & Dickenson

1170 Lexan Avenue, Suite 203, Norfolk, VA 23508
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Dickenson & Dickenson is a full-service law firm serving Chesapeake. The company provides legal counsel to individuals looking to file for bankruptcy relief. Its attorneys focus on Chapter 7 and Chapter 13 filings under the Bankruptcy Code. The team also handles legal matters in other practice areas, including criminal defense, personal injury, real estate, civil litigation, estate planning, and corporate law. Thomas Dickenson, co-founder of the company, was awarded the Jerrold G. Weinberg Professionalism Award by the Tidewater Bankruptcy Bar Association in 2015.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
5.0 / 5 (5)
Google
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Harbour Law P.L.C. logo
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Harbour Law P.L.C.

500 East Plume Street, Suite 801, Norfolk, VA 23510
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Harbour Law P.L.C. has been representing debtors in Chesapeake and the surrounding locations for over a decade. Its team of attorneys helps terminate foreclosures, wage garnishment, creditor harassment, and vehicle repossession through chapter 7 and 13 bankruptcy filings. They help clients create repayment plans through chapter 13 bankruptcy, which aids in settling mortgage debt. Jim Pedigo and Neil Winchester, two of the firm's attorneys, have been in practice since 1990. They are joined by Dana Power, who has been representing debtors for more than 13 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Law Office of Michael J. Heath logo
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Law Office of Michael J. Heath

575 Lynnhaven Parkway, Virginia Beach, VA 23452
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Michael J. Heath is a law firm located near Chesapeake that provides legal services to southeast Virginia on bankruptcy-related matters. The firm handles Chapter 7 and Chapter 13 bankruptcy cases. It also assists clients in the United States Bankruptcy Court when they file for bankruptcy. Heath focuses his practice on bankruptcy law and stays updated on various provisions to the United States Bankruptcy Codes. He is also a United States Navy Veteran who served in the United States Marines and the United States Navy.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)
Facebook
5.0 / 5 (2)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Liberatore DeBoer, PC logo
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Liberatore DeBoer, PC

150 Boush Street, Norfolk, VA 23510
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

Liberatore DeBoer Attorneys At Law, located in Chesapeake, was founded in 1962. Libertore is a member of the American Bankruptcy Institute. DeBoer is the President of the Chesapeake Bar Association. The bankruptcy lawyers guide clients in need of bankruptcy relief or at risk of losing their properties, savings, and company assets. The attorneys advise clients about the different types of bankruptcy, including straight bankruptcy and consumer bankruptcy. The legal firm also practices in areas of debt restructure, tax resolution, and insolvency litigation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
The Law Offices of John W. Lee, P.C . logo
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The Law Offices of John W. Lee, P.C .

4425 Portsmouth Blvd 100, Chesapeake, VA 23321
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Offices of John W. Lee, P.C. offers debt relief solutions in Chesapeake. With over seven decades of collective legal practice, this firm's bankruptcy attorneys are well-versed in chapter 13, chapter 11, and chapter 7 of the Bankruptcy Code. They evaluate clients' eligibility for bankruptcy, assist them in filing for bankruptcies, and help them navigate the legal process. Their legal services aim to stop creditor harassment and foreclosure actions. Moreover, they offer bankruptcy alternatives such as debt consolidation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (18)
FindLaw
4.5 / 5 (16)
Avvo
4.5 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Virginia Beach Bankruptcy Attorney logo
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Virginia Beach Bankruptcy Attorney

272 Bendix Road, Virginia Beach, VA 23452
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Virginia Beach Bankruptcy Attorney represents individuals in Chesapeake. The law practice handles chapter 7 and chapter 13 bankruptcies. Its principal lawyer, David M. McCormick, founded the law practice in 1996. The law firm also works on other practice areas including criminal defense, estate planning, probate, and defense of traffic violations. Virginia Beach Bankruptcy Attorney has offices in Hampton, Richmond, and Virginia Beach. The firm's ethical practice is founded on compassion.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Winchester, Pedigo & Goolsby, PLC logo
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Winchester, Pedigo & Goolsby, PLC

500 E Plume St Suite 801, Norfolk, VA 23510
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Winchester, Pedigo, Power & Goolsby, PLC, is a federally designated debt relief firm that provides assistance to Chesapeake clients who are filing for bankruptcy. Its practice focuses on financial restructuring, consumer protection actions, and debt settlement. The firm provides legal guidance and solutions to clients who are facing collection actions from debts under chapters 7 and 13 bankruptcy. It also helps clients negotiate fair settlements. The firm’s lawyers have more than 80 years of combined legal experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (24)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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