Are You Struggling With Overwhelming Debt?

Getting out from overwhelming debt requires smart decision-making as much as it requires hard work. There are options to help you fight overwhelming debt. We are here to educate you about the benefits of Chapter 7 and Chapter 13 bankruptcy and help you get a fresh start. Our extensive experience in bankruptcy allows us to quickly and competently assess your situation.

At Bowen Ten Cardani, our Virginia lawyers are ready to help you maximize the benefits of the bankruptcy process. Call us at 804-767-6850.

Peace Of Mind Means Confidence In Your Legal Counsel

The last thing you should have to experience is going through the bankruptcy process only to still have lingering debt issues. We will offer you a strong defense against creditor objections. With over 75 years' experience with a focus on litigation, we understand how to fight for your rights and best interests against any opponent.

Types Of Bankruptcy

Our firm offers exceptional debt relief representation, including:

  • Chapter 7 bankruptcy (liquidation) — Also known as liquidation bankruptcy, Chapter 7 allows people to discharge unsecured debts such as credit card debt, medical bills and personal loans. Chapter 7 can also be a reasonably quick process from initial filing to discharge.
  • Chapter 13 bankruptcy (reorganization) — Also known as reorganization bankruptcy, Chapter 13 allows people to become current on their financial obligations through a repayment plan. The plan is based on your ability to pay, and lasts three to five years.

Both of these chapters of bankruptcy offer certain protections such as the automatic stay. The automatic stay puts an immediate halt to all collection activities, including wage garnishments, bank garnishments, repossessions, foreclosures and harassing phone calls and mail.

Learn About Your Options In A Consultation

If you have been struggling, you owe it to yourself and your family to come in and discuss the available debt help options with one of our bankruptcy lawyers. We will help you understand the areas of bankruptcy law relevant to your situation and answer questions you may have at any point in the process of deciding to file bankruptcy and completing a bankruptcy. Schedule an initial consultation by calling 804-767-6850 or contact us online.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.