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Chapter 7

As the most common type of bankruptcy filed in the U.S., Chapter 7 can be used to eliminate debts for individuals, married couples, and business owners. It is known as a “liquidation bankruptcy” but that does not mean someone who files will have to give up all of their personal possessions. Flores Law PLLC will work to make sure you do not lose your protected assets and equity by taking advantage of available exemption laws.

When filing for Chapter 7, harassment from creditors will stop and any garnishment being taken from your wages or your bank account will end. When you have unpaid debts, creditors can sell those debts to collection agencies and list them on your credit report. This can lower your credit score and prevent you from leasing an apartment, financing a vehicle, or buying a home. Creditors and collection agencies send you endless notices in the mail and harass you relentlessly over the phone. After filing for bankruptcy, you can open your mail and answer the phone without fear.

Chapter 13

Known as the “wage earner’s bankruptcy,” Chapter 13 is for those with a steady income that is still not enough to get out of debt. It can save certain non-exempt assets that would be sold in Chapter 7 while restructuring your debt into a plan to be paid off in 3-5 years. After the payment plan is completed, the rest of your unsecured debt may be discharged. Like in Chapter 7, a Chapter 13 filing puts an automatic stay on all collection attempts, protecting you from annoying phone calls, lawsuits, and other collection attempts. Chapter 13 can also help put a stop to foreclosure and repossession, allowing you to keep your home and your vehicle.

Debt can be accrued in a number of ways, the most common of which is credit card debt from exorbitant interest fees and getting behind on payments, which can take years to pay off, and medical expenses when your insurance company doesn’t protect you like it should. Unpaid medical bills can go to collections and negatively affect your credit for years. Sometimes, a payday loan is your only option. The predatory interest, however, can land you in a worse position than before.

Whatever your situation, Flores Law PLLC can help eliminate debt and rebuild your credit through Chapter 7 or Chapter 13 bankruptcy. Call us at (804) 315-0810 to learn more during a free phone consultation. Se habla español.

WHAT MAKES FLORES 
LAW DIFFERENT?

  • We are with you throughout the process
  • We take a personal approach to every case
  • We offer legal service in English or Spanish
  • We offer free initial phone consultations

Meet Our team

Compassionate & Personalized Approach
  • Stephen L. Flores Photo
    Stephen L. Flores
    Stephen believes his clients are #1. Every email is responded to and each call is returned. He looks out for his clients' interests, and gets them the best possible result. Stephen loves his practice because when a client comes into his office worried about their future, they leave with a feeling of relief. Raised in Roanoke, Virginia, Stephen grew up learning the value of helping others. After graduating from the University of Virginia, he worked as a deputy clerk in the D.C. Court, where he ...
  • Getty  Ngeleza Photo
    Getty Ngeleza
    Getty is a legal assistant and the office manager for Flores Law PLLC. Her work includes initial communication with new clients, bookkeeping, document collection, preparing case documents and organizing client scheduled meetings. Getty is currently a student at Virginia Commonwealth University, studying Economics. She is from the Democratic Republic of Congo but has lived in Virginia for years and moved to Richmond for school. Getty enjoys traveling, hiking and exploring Richmond trails and park ...
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Real people. Real reviews.

Opinions That Matter. 
  • “He's the best professional I've seen, everything went perfect in our process thanks to Flores team. I'm definitely asking them for help if any legal representation is needed in the future.”

    - Jerry R.
  • “Flores Law provided excellent sevice for my Bankruptcy case. Lawyer Stephen Flores took the time to explain in detail all my options, the steps involved, and the likely outcome for each option. I am very glad I chose Flores Law.”

    - Kathleen P.
  • “Flores Law helped me with my bankruptcy, they were very helpful with answering my questions. They called to check to see if there was anything I needed. They are very professional and I would recommend them to anyone that needed a bankruptcy lawyer.”

    - Hope P.

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