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For outstanding Virginia bankruptcy lawyers representation - Call on Legal Helpers
The Virginia bankruptcy lawyers from Legal Helpers have the legal and ethical obligations to zealously represent your best interests. By law, the Virginia bankruptcy lawyers represent only your interests so you are ensured that your bankruptcy attorney is fighting for your rights.
Remember, many debt consolidation programs are private entities, sponsored by creditors and they don't have the same strict legal requirements to protect borrowers' best interests. That is why it is paramount for anyone considering Virginia bankruptcy to first see the bankruptcy attorneys from Legal Helpers. Your Virginia bankruptcy attorney will represent only your interests, no one else.
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Virginia bankruptcy lawyers specializing only in Chapter 7 and Chapter 13 consumer case filings
Because Legal Helpers Virginia bankruptcy attorneys only handle debt consolidation issues they are very familiar with all the intricacies of the law. These Virginia bankruptcy attorneys have represented over 40,000 clients and on average, see about 10,000 new cases each year, many referred to by other satisfied clients. We have successfully helped eliminate over $500,000,000 in debt.
Legal Helpers - The largest and most sophisticated consumer bankruptcy and debt consolidation practice in the country.
Our unique group of nationally prominent Virginia bankruptcy lawyers work out of multiple offices throughout the country. They can help you stop wage garnishments, repossessions, foreclosures, lawsuits and creditor harassment. Upon being hired, our bankruptcy attorneys will take all of your creditor calls and help you gain needed time to repay your mortgage arrears. With a Chapter 13 bankruptcy these Virginia bankruptcy lawyers can consolidate all your past due payments and balances and give you between 3 and 5 years to pay them off. And, your cosigners receive the same protection.
It is our business to know what is best for you
We help our clients solve their financial problems and get a fresh start in life. From recommending a Chapter 7 filing to a Chapter 13 - let us give you the best legal advice available.
Chapter 7 - provided for under US federal law entitles you to a fresh start and is usually recommended for someone with no assets. A Chapter 7 Virginia bankruptcy filing allows you to discharge your unsecured debts and keep the protected equity in your home. Your equity is then protected from any creditor who has claims eliminated in the filing. However, if you have paid off your credit cards or other unsecured debts with a home equity loan, this turns dischargeable debt into secured debt that will survive filing unless the home is surrendered to the creditor.
A Chapter 13 is an interest free debt repayment plan through which you consolidate your debts and make payments on your debt over a 3 to 5 year period. This type is used to save a house from foreclosure and can save a car from repossession. A Chapter 13 Virginia bankruptcy plan lets you pay off your most secured loans first and delays payment of unsecured debts. The majority of the initial payments can be applied towards mortgage and automobile payment defaults. Credit cards and medical bills can be paid after these secured and other priority claims have been paid off.
Your cosigners receive the same protection that you receive under a Chapter 13. Through a Chapter 13, we will protect your cosigners from collection activity, and the creditors must wait to be paid through the Chapter 13. So, if you friend or relative cosigned on your vehicle, and you are having trouble affording the payments, we can put your remaining balance inside a Chapter 13 plan.
Legal Helpers offers a free 24-hour information hot line to answer many of your questions. In addition, our web site provides outstanding resources including information on how to rebuild your credit and correct your credit report.
Use our free legal evaluator to see if you should contact Legal Helpers