Virginia Beach Lawyer Guiding Clients Through Personal Bankruptcy
Times are tough. Many people who were once financially stable are now finding themselves overwhelmed by credit card debt, mortgage payments and day-to-day living expenses. Whether you are behind on payments due to the loss of a job, a serious medical condition or another reason, filing for bankruptcy may be your best option for debt relief.
At Swango Law P.C., in Virginia Beach, we guide clients through the entire Chapter 7 or Chapter 13 bankruptcy process. During your free initial consultation, we will discuss your options for debt relief and whether filing for personal bankruptcy is the right choice for you. Contact us to speak with an attorney who understands.
A First-Hand Prospective
Attorney Jason Swango can relate to the pressures associated with tough times. He understands how difficult it can be to ask for help, even when you know you need it. Because of his own experiences, attorney Swango offers an extra level of compassion and patience to clients considering bankruptcy. He truly wants to help you achieve a fresh financial start.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy is often a good choice for those with high credit card debt and an unstable income. To be eligible for Chapter 7, you must complete a means test measuring your earning potential against you debt. If you are found eligible, you may file. When your Chapter 7 bankruptcy is complete, a majority of your debts will be dismissed. While it is true that some of your assets may be liquidated in Chapter 7 bankruptcy, you are generally able to keep your home, your car and your household possession.
Chapter 13 Bankruptcy
Often referred to as wage earners bankruptcy, Chapter 13 can be a valuable debt relief solution for those with a steady income and those wishing to save their home from foreclosure. In Chapter 13, a repayment plan, lasting three to five years, is put in place to allow you to repay creditors. Upon successful completion of the plan, the majority of your remaining debts will be eliminated.
The Swango Law, P.C. Guarantee
Although we cannot guarantee results in your case, we are able to guarantee the following:
- The quality of our legal services
- A prompt response to your phone calls and e-mails
- A commitment to meeting deadlines
- The fee we quoted you will be the fee you pay
- The highest level of personal attention and care
Experience the dedicated representation we provide to all of our clients. Contact us at (757) 227-5315 to schedule your free initial consultation.
We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code.
