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Trusted Charlottesville Law Firm Helps You Successfully File for Chapter 13 Bankruptcy in Virginia

Our bankruptcy attorneys assist with a repayment plan that suits your needs

Often called wage-earner bankruptcy, Chapter 13 provides relief to individuals and sole proprietorships through a court-approved, structured repayment plan that typically pays your creditors over three to five years. Our seasoned attorneys with the Miller Law Group, P.C. can help you determine if Chapter 13 may be the right choice for you if you are not eligible to file under Chapter 7. It may also be your ideal solution to protect your home. Individuals or couples filing under Chapter 13 with the help of our office often pay no upfront fees and are initially responsible only for paying court costs and expenses to file the case.

Am I eligible to file for Chapter 13 bankruptcy?

If you exceed the income amount determined through the Chapter 7 means test, you will usually be required to file for bankruptcy under Chapter 13. Chapter 13 is an option for individuals owing:

  • A maximum of $336,900 in unsecured debts (debts not tied to any collateral)
  • A maximum of $1,010,650 in secured debts (debts tied to collateral, such as car loans)

To qualify for Chapter 13, you must have a steady income that allows you to meet your living expenses as well as make debt payments. It is expected that you will use a portion of your monthly income to repay your unsecured creditors a percentage of the debt you owe them. You are responsible for making payments to the bankruptcy trustee in accordance with the terms of your repayment plan, and the trustee then pays your creditors.

Advantages of Chapter 13 proceedings

You may wish to file for bankruptcy under Chapter 13 because it offers advantages under the following circumstances:

  • Missed mortgage or car loan payments. If you wish to work toward reinstating your original loan agreement by making overdue payments, Chapter 13 allows you to do so.
  • Existence of non-dischargeable debt: If you have missed student loan payments or owe back taxes, Chapter 13 may be a better option for you than Chapter 7.
  • Desire to repay your debts: Filing for bankruptcy will help you stop creditor harassment while offering a workable plan to repay your debts.
  • Existence of non-exempt property you wish to keep: Chapter 13 may help you avoid foreclosure and stay in your home as well as protect your non-exempt property from repossession.

Our skilled lawyers have significant experience working in Chapter 13 bankruptcy in Virginia. We know that filing for bankruptcy is not an easy decision, but we are committed to keeping you informed and helping  you work with your creditors to modify your loans and achieve livable repayment plans.

Contact us to discuss if filing for Chapter 13 bankruptcy is right for you

At the Miller Law Group, P.C., we can advise you whether filing for Chapter 13 bankruptcy is your best method of achieving lasting debt relief. With more than 30 years of combined experience, the attorneys and professional staff at Miller Law Group, P.C. work hard to protect what’s important to our clients in Albemarle County and surrounding counties: their assets and their families. Call us locally at 434-218-3987 or contact us online today for your FREE APPOINTMENT. Our law firm is located behind the Senior Center in Charlottesville and is handicapped-accessible. Parking is available outside the door.

Serving the communities of central Virginia, including Albemarle, Augusta, Buckingham, Charlottesville, Culpeper, Fluvanna, Greene, Louisa, Madison, Orange, Harrisonburg, Staunton and Waynesboro