Richmond Bankruptcy Lawyer
Putting Clients First
When you are facing financial obstacles, you need a bankruptcy lawyer in Richmond who will take a personal interest and a compassionate approach to solving your troubles. You need a firm that will set your mind at ease, help you make great decisions moving forward, and relieve you of the stress that keeps you awake at night. You need Flores Law PLLC.
Every debt issue has a solution and we are here to help you find it. Whether Chapter 13 is perfect for you and your family or if Chapter 7 makes more sense for your situation, we can use our experience, knowledge, and insight to guide you down the legal path that is right for your unique circumstances. We get to know you so we can personalize our approach to end creditor harassment, put a stop to repossession, and defend your home against foreclosure. This means that with our help, you can end annoying and persistent phone calls, protect your hard-earned property, and find a debt-free future.
Here’s How We Help
When creditors take you to court, it puts you at risk for wage garnishments and judgments that negatively impact your credit for years to come. Creditors can take up to 25% of your gross paycheck, foreclose on the home you’ve spent years building and paying off, and repossess your vehicle so you have no means of getting to work, bringing your children to school, or visiting friends and loved ones. This can all happen due to one emergency repair that snowballed on your credit card or when your insurance company lets you down after a major medical issue.
Flores Law PLLC can help you get back on track, providing the support and guidance you need to get free from your debts. We want you to know that there is no shame in what you are going through and debt can happen to anyone, especially in these trying times. We also know that the bankruptcy process can be complicated, which is why we work hard to explain your options in plain English, or Spanish, as we guide you to a better financial future. We’ll take care of the paperwork, court filings, and put a stop to annoying creditor practices. We’ll take on your legal burden so you can breathe easier.
To learn more about our Richmond bankruptcy attorney, including available payment plans when you file Chapter 7 or 13, call (804) 315-0810 and discuss your situation during a free phone consultation. Se habla español.
Who Can File for Bankruptcy?
There is no restriction on who can file for bankruptcy. Any individual has the right to file. However, you do need to meet certain qualifications depending on which type of bankruptcy you’re filing for (i.e. Chapter 7 or Chapter 13). At the end of the day, if you’re deciding whether or not to file for bankruptcy, ask yourself this question: Will I be able to pay off my debts within the next 5 years? If not, you should probably consider speaking with a bankruptcy attorney about which type of bankruptcy is right for you. You may ultimately decide that you don’t want to file for bankruptcy, but you may want to pursue one of the alternatives including: debt management programs, debt consolidation, or debt settlement. Our team is here to help walk you through whichever process is best for you and ensure that you and your family receive a fresh start.