Chapter 7 Bankruptcy

Chapter 7 Bankruptcy in Virginia

Chapter 7 bankruptcy can give you a true fresh start by wiping out most unsecured debts like credit cards, medical bills, and personal loans. It's often the fastest way to stop creditor calls and get relief. In Virginia, most people keep their home, car, and belongings thanks to state exemptions. We'll guide you through every step. Clear, simple, and judgment-free.

Chapter 7 Bankruptcy is Best for Those Who:

  • Are behind on credit cards, medical bills, or payday loans
  • Have low income or lost a job
  • Have mostly exempt assets
  • Want relief in just a few months
  • Are overwhelmed by creditor calls, lawsuits, or wage garnishment
  • Are looking for a true financial reset and fresh start

How Chapter 7 Works

Free Consultation
We'll talk about your income, debts, and goals. Then we'll explain whether Chapter 7 is the right path and walk you through what to expect.
Gather Documents
We'll give you a clear checklist of what's needed (pay stubs, bills, and tax returns) so we can prepare your petition. You don't have to figure it out alone.
File & Find Relief
The moment we file, the automatic stay stops most creditor calls, garnishments, and lawsuits. We'll guide you through court steps until your debts are discharged.

Frequently Asked Questions about Chapter 7 Bankruptcy

Will I lose everything if I file Chapter 7?

No. Exemption laws help protect your property, including home equity, cars, household goods, and retirement accounts. In fact, most people keep everything they own.
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Does filing ruin my credit forever?

No. While Chapter 7 appears on your credit report for 10 years, many people start rebuilding credit within months or qualify for car loans or mortgages.
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Is filing for Chapter 7 expensive?

It’s more affordable than many fear. Court filing fees are fixed, and attorney fees are explained upfront. For many, the debt relief far outweighs the short-term costs.
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Experienced Guidance, Clear Answers

With over 20 years of combined federal experience including clerkships within the Western District bankruptcy courts, Caleb and Amanda know what to expect and how the system works in Virginia. They can help clients stop foreclosures, protect paychecks, and eliminate crushing debt through Chapter 7. But more than experience, they bring compassion and accessibility to the process. You'll always speak directly with them, not staff. Whether it's evenings, weekends, or virtual meetings, they'll guide you through the process with clarity and respect, helping you move forward with confidence.

Why Choose Chaplain Dufraine?

Debt can feel scary. But getting help shouldn't be. Whether you're behind on bills, facing foreclosure, or just tired of the calls, we're here to walk you through it, step-by-step. No judgment. No legal jargon. Just straight answers and real support.

Direct Attorney Access

When you call, you'll speak with us, your actual attorneys who know your case inside and out, from first meeting to final discharge.

Flexible Scheduling

Evening, weekend, and virtual appointments make it easy to get legal help without missing work or family obligations.

20+ years of federal and court experience

Deep knowledge of Chapter 7 and Chapter 13 bankruptcy, Virginia exemption laws, and stopping foreclosure or garnishment.

Get Help Now

If you're drowning in debt, Chapter 7 bankruptcy may give you the relief you need. Schedule a free consultation today to talk directly with an attorney about your options. No pressure, just clear answers.
Start Fresh Today
This website is for informational purposes only and does not constitute legal advice. Viewing this site or contacting our firm does not create an attorney-client relationship. Results described on this site are not guaranteed and do not predict future outcomes.

We are a debt relief agency and a law firm that helps people file for bankruptcy and get relief under the Bankruptcy Code. Any testimonials or past results do not guarantee similar results in your case.
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2350 Electric Rd., Roanoke, VA 24018
Harrisonburg Office: 
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