Consumer Bankruptcy

If you are facing home foreclosure, mountains of credit card debt or constant phone calls from creditors, engaging the help of a knowledgeable and experienced consumer bankruptcy attorney can lift your debt-related stress and help you find a fresh start.

At Copeland Law Firm, P.C., attorney Robert Copeland has extensive experience guiding individuals and families through the consumer bankruptcy process. He has more than 35 years of experience in Chapter 11 bankruptcy law and has served previously as Chair of the Virginia State Bar's bankruptcy section. In addition, he serves as Secretary General Counsel of a local bank. This position gives him unique insight into how to best negotiate with banks to create effective debt-relief strategies for consumers and businesses.

Chapter 7 Bankruptcy

Also called a "liquidation" bankruptcy, Chapter 7 allows debtors to discharge unsecured debts, such as most medical bills and credit card debts. In addition, filing a bankruptcy petition puts an "automatic stay" into effect. This automatic stay puts an immediate halt on creditor harassment, collection efforts, wage garnishments and home foreclosure.

To qualify for Chapter 7 bankruptcy, however, you must meet certain income restrictions. Your eligibility is determined by a "means test," which measures your income against the state's median average.

Changes to bankruptcy law in 2005 mean that debtors must play a more active role in order to effectively file a bankruptcy petition. By honestly disclosing your debt-related problems and providing us with the information we need in a timely manner, we can work together to help you find the financial relief you need.

Chapter 13 Bankruptcy

Considered a "reorganization" bankruptcy, Chapter 13 enables debtors to create a structured repayment plan to repay a set portion of their debts over a three- to five-year period. Like Chapter 7, filing for Chapter 13 will put an immediate halt to home foreclosure, wage garnishments and other creditor actions.

To learn about the details of filing a Chapter 7 or 13 bankruptcy petition, call Attorney Robert T. Copeland at 276-628-9525 or contact us online. During your free initial consultation, we will help you decide what course of action is right for you and your family.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.