Drowning in Debt? | Richmond Bankruptcy Lawyer

Garnishments, Judgments, and Warrants in Debt

We can stop Garnishments with a Chapter 7 Bankruptcy filing and get your money back.

We can stop Judgments from becoming collection nightmares with a Chapter 7 Bankruptcy filing.

We can stop Warrants in Debt from becoming Judgments which turn into Garnishments with a Chapter 7 Bankruptcy filing. A Chapter 7 Bankruptcy filing can be the answer to your financial difficulties. Chapter 7 Bankruptcy is available to most people. It will erase most debts, including credit card debt, medical bills, car repossession balances, old bills including rent, and utility bills. It can even discharge older taxes.

Call Bruce W White at 804-288-4328 to learn more about what a Chapter 7 Bankruptcy can do for you. Most people are surprised to learn that after a Chapter 7 Bankruptcy, your credit will bounce back in about a year, and that most filers are eligible to purchase a home in 2 to 4 years. Car loans are available within 6 months. Call today to discuss your situation.

Foreclosures and Repossessions

Don't lose your home to Foreclosure. If you have income from a job, receive Social Security or other forms of income, a Chapter 13 Bankruptcy may save your home.

Don't lose your car or truck to a Repossession. If the lender is threatening repossession, or has recently repossessed your vehicle, call us now and we may be able to get your vehicle back.

If your lender has not yet picked up your car or truck, call us to discuss filing a Chapter 13 Bankruptcy case and set up a Plan to repay your debts through the bankruptcy system.

Call Bruce W White at 804-288-4328 to learn more about a repayment Plan in Chapter 13 to save your home or car.

A Chapter 13 Bankruptcy can combine all of your debts, credit cards, medical bills, taxes and past due mortgage and car payments into one affordable payment made to the Bankruptcy Court system. The monthly Chapter 13 payment will be lower than what you are required to pay now on your debts and will cure your past due house and car payments.

Small Business Bankruptcy

The past couple of years have created hard times for small businesses. COVID has crushed many small businesses including Restaurants, Contractors, Landscapers and other professions, and created credit problems and cash flow shortages. For many small business owners, the financial problems of the business has in turn created personal financial problems. Your business may be liable on a Lease that is in default and in collections. You now understand that you are a personal guarantor on the lease and your landlord is talking to you personally about repayment of that lease whether your business is still operating or not. Even if the business has closed, you may still be personally liable and can be sued personally for the unpaid balance under the lease.

In an effort to keep your business afloat, you may have used your personal credit cards or Lines of Credit which are now in default, or you may simply be unable to pay your personal bills because the business is not generating sufficient income to pay you the amount needed to pay your personal bills. You are rightly concerned how the business failure will impact your personal finances. Will I lose my house, my cars, my retirement? What can I do to save my personal property; my cars, my house? Should I close the business? Who should I pay first; who should I not pay? What can the business creditors do to me personally? These are all good questions.

Schedule a time to talk to attorney Bruce W White. He has worked with many business owners over the past 30 years to answer these questions, and provide you with a path forward. Whether you intend to keep the business open, or you have already closed the business, or are just thinking about closing it, these questions need to be answered before something worse happens. Home foreclosures, repossessions, judgments or garnishments are beginning to increase and they are real. In fact, you may be experiencing one or more of these collections actions already.

Call Bruce W. White at 804-288-4328 to discuss the problem before it is too late. We can help you decide what to do – whether we look at a bankruptcy solution or negotiate a workout with your creditors. Don't wait until it is too late. Call Bruce W White at 804-288-4328.

Richmond Bankruptcy Attorney

Are you drowning in debt? Are you being harassed by creditors? Are you struggling to keep up with your monthly payments? Is your home at risk of being foreclosed? Are you struggling to keep your small business afloat? If you have found yourself in any of these circumstances, our Richmond bankruptcy lawyer can help you!

Since 1991, we have been offering highly effective financial solutions to individuals, families, and small business owners throughout Richmond. If you are ready to begin your journey toward a debt-free and financially stable future, retain our immediate assistance. At Bruce W. White, P.C., we are dedicated to addressing the needs of individuals and small businesses with the stress induced by financial pressures. We are well-versed in bankruptcy law and creditor rights laws. As such, we know exactly what it takes to help our clients regain financial stability. We're committed to protecting the rights of our clients and will work tirelessly in order to ensure your legal and financial needs are exceeded.

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Backed By 30+ Years Of Experience

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Dedicated To Addressing The Needs Of Our Clients

Our Attorney Personally Handles Each Case

Thousands Of Cases Successfully Handled

Learn More About Bruce W. White, P.C.

The Client Experience — a Testimonial

"Mr. White and his staff were so helpful and made this whole process so much easier than I was anticipating. He answered all of my questions with patience and understanding and treated us with the utmost respect. At our court hearing, he was the only lawyer who had his act together -- He knew our case, he had provided all of the documents and we felt like he was the best lawyer there. I have referred several friends to him. Although I hope to never need his services again, I would not hesitate to go back to Mr. White. He is the best."

- Bankruptcy Client