is a full-service bankruptcy law firm providing the Richmond area with bankruptcy services, along with uncontested divorce, mortgage loan modification and student loan modification services. If you need legal help, contact the Richmond Bankruptcy Attorneys
at Fisher-Sandler Law
immediately for a free consultation. We understand that no matter how similar two bankruptcy cases may appear, no two cases are ever identical in all respects, and our attention to detail allows us to create winning strategies that are tailor-made to suit the needs of each client.
Our Richmond bankruptcy lawyers take pride in developing mutually beneficial relationships with our clients by ensuring that each client understands every aspect of his or her bankruptcy case.
Richmond Bankruptcy Services:
Richmond Chapter 7 Bankruptcy
If you are wrestling with overwhelming debt in the Richmond area – and the debt is winning – we can help. One option is filing a Chapter 7 bankruptcy
, the most frequent kind of personal bankruptcy. A Chapter 7 bankruptcy discharges credit card debt, medical debts, auto loans, mortgage debt, and sometimes more. Since Chapter 7 bankruptcy is designed for average-income and low-income persons, you must pass a means test to qualify. The test compares your income against the median household income in Virginia. Almost anyone whose income is below the median will be eligible for Chapter 7 bankruptcy, but if your income is higher, you may still qualify under certain conditions. Bankruptcy isn’t for everyone who is struggling with debt, but for some, a Chapter 7 bankruptcy is the only realistic option. When you consult an experienced Richmond Chapter 7 bankruptcy lawyer
at Fisher-Sandler, we can evaluate your financial circumstances and offer you practical advice regarding the means test, bankruptcy, and your other legal options.
Richmond Chapter 13 Bankruptcy
A Chapter 13 bankruptcy
is a legal tool that allows debtors to create and follow a realistic debt payment plan. When you file for bankruptcy under either Chapter 13 or under Chapter 7, an order for relief – an “automatic stay” – goes into effect. The automatic stay prevents creditors from harassing you about mortgage debt, credit card debt, auto loan debt, and medical bills during the period of the bankruptcy. A Chapter 13 bankruptcy usually allows those with a regular income to pay their debts over a period of three-to-five years, and it consolidates those debts into one monthly payment. It’s the legal way to avoid foreclosure or repossession and to begin managing out-of-control debt effectively. A number of factors determine if you are eligible to file a Chapter 13 bankruptcy. In the Richmond area, if you believe that a Chapter 13 bankruptcy might be best for you, speak right away with an experienced Richmond Chapter 13 bankruptcy lawyer
at Fisher-Sandler Law Firm.
Contact Our Experienced Richmond Bankruptcy Lawyers Today
The larger law firms handle a huge volume of cases and often cannot give a particular case the special attention it needs. In those firms, the “smaller” cases are often passed on to junior associates who may not be adequately experienced or sufficiently qualified. The experienced Richmond bankruptcy attorneys
at the Fisher-Sandler Law Firm
handle your case personally; you aren’t handed over to an assistant, and you never become just another case number. Fisher-Sandler maintains high professional standards; provides affordable, quality bankruptcy legal services, and works hard to bring your case or legal concern to its best possible resolution. Contact Fisher-Sandler today and schedule a free consultation by completing the form on this website’s contact page or by calling (804) 664-3643.