Due to concerns over the spread of the Coronavirus, our firm is temporarily offering telephonic consultations. Call (757) 622-1621 to schedule yours. Save at least $4,000! Don’t file chapter 13 unnecessarily without first seeing if Chapter 7 is right for you. Call today to schedule a free consultation.
We Help People Seek Relief from Debt Under Chapter 7 Bankruptcy in Norfolk, VA and the Surrounding Areas
Unexpected financial challenges can happen to anyone, leaving you overwhelmed by debt. When you’re struggling to keep up with outstanding obligations, bankruptcy can provide a path to financial relief. Bankruptcy is a legal process designed to help individuals and businesses eliminate or significantly reduce debt, allowing you to regain control of your finances.
At Winchester, Pedigo PLC, a federally designated debt relief agency, our experienced attorneys assist clients throughout Norfolk, VA, and the Hampton Roads region with Chapter 7 bankruptcy, Chapter 11 bankruptcy, and Chapter 13 bankruptcy filings. We also offer professional debt settlement services, negotiating directly with creditors to reduce your debt or establish manageable payment plans without the need for court involvement. Our attorneys work closely with you to evaluate your unique financial situation and recommend a personalized solution that fits your needs.
Chapter 7 bankruptcy, also known as liquidation bankruptcy, is the most common and straightforward option for consumers. Filing a Chapter 7 can help eliminate most unsecured debts while stopping wage garnishments, foreclosure actions, car repossessions, and other collection activities. You may also protect certain essential assets under state exemptions. If your non-exempt assets exceed limits, a court-appointed trustee may sell them, but our team will guide you every step of the way to maximize asset protection. We ensure your paperwork is filed correctly, helping you secure a successful discharge and a fresh financial start.
Repay Your Debts and Start Fresh by Filing Chapter 13 With Our Professional Assistance
When you file a Chapter 13 bankruptcy, you and your attorney create a repayment plan to address your debts over a three- to five-year period. Your monthly payment is determined by factors outlined in the Bankruptcy Code, including your income, living expenses, and the types of debt you owe. At the conclusion of the plan, most remaining unsecured debts are typically discharged. Chapter 13 is often the best option for debtors who do not qualify for Chapter 7 bankruptcy under the means test or for those who want to protect their assets while repaying creditors. Securing court approval for a Chapter 13 plan can be complex, which is why filing with an experienced attorney is crucial. At Winchester, Pedigo PLC, you’ll work directly with a knowledgeable bankruptcy attorney who provides personalized guidance and strong representation to help you successfully navigate the Chapter 13 process.
Our Attorneys Can Help You Negotiate a Fair Debt Settlement
Bankruptcy isn’t always the best solution for everyone struggling with debt. When you contact us, we will carefully review your financial situation, including your debts, income, living expenses, and overall budget. From there, we’ll recommend a realistic strategy tailored to your needs. If you choose our debt settlement services, our attorneys will handle all communications with your creditors, ensuring you won’t be contacted directly again. We work to negotiate a fair settlement on your behalf and then help you create a plan to set aside funds to pay the settlement. Contact us today to schedule a free initial consultation and explore your debt relief options. Our team is committed to helping you regain control of your finances and start fresh without the burden of overwhelming debt.
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LEGAL DISCLAIMER:
The information contained on this website is presented for informational and marketing purposes only and is not to be understood as legal advice. You should consult an attorney for advice respecting your individual needs. Winchester, Pedigo PLC looks forward to speaking with you about your particular needs. Please note, however, that the mere act of contacting our firm does not create an attorney-client relationship. As a result, you should never send any confidential information to our office until a Representation Agreement has been signed by both you and Winchester, Pedigo PLC.