Business Details
28 Years
experience
Charlottesville Bankruptcy Solutions
For over 25 years, Robert Stevens Law Firm has provided compassionate and expert bankruptcy representation to residents of Charlottesville and Central Virginia. Specializing exclusively in bankruptcy law, our firm focuses on restoring financial stability through Chapter 7 and Chapter 13 solutions. We combine deep knowledge of Virginia bankruptcy regulations with personalized attention to help clients eliminate debt, stop creditor harassment, and protect assets like homes and vehicles.Our practice emphasizes transparency, with free initial consultations and legal fees incorporated into payment plans for accessibility. As a member of the American Bar Association and Virginia State Bar Association, we maintain rigorous professional standards while treating every client with the dignity they deserve during challenging times.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Counseling
Foreclosure Prevention
Tax Debt Relief
Details
- Year established: 1998
Highlights and features
- 25+ years of Virginia bankruptcy court experience
- Free initial consultation with no upfront fees
- Personalized debt relief strategies for Chapter 7 and 13
- Compassionate approach to financial crisis management
- Proven success stopping foreclosures and reducing tax debts
Associations and certifications
- American Bar Association
- Virginia State Bar Association
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation while protecting essential possessions. Our firm guides clients through the 3-month process to discharge debts like credit cards and medical bills. We help maintain housing and vehicle ownership by structuring payment plans that meet court requirements.
Chapter 13 Bankruptcy
Chapter 13 establishes 3-5 year payment plans to restructure debts while protecting valuable assets. We negotiate with creditors to reduce interest rates and incorporate attorney fees into monthly payments. This option preserves homes from foreclosure and addresses back taxes or child support obligations.
Debt Counseling
Our debt counseling service evaluates financial situations to determine optimal bankruptcy strategies. We analyze income, assets, and debt types to recommend solutions that stop creditor harassment and late fees. The process includes creating personalized roadmaps for long-term financial stability.
Foreclosure Prevention
We specialize in using Chapter 13 bankruptcy to halt foreclosure proceedings and restructure mortgage arrears. Our approach preserves home equity while negotiating with lenders to modify loan terms. Clients receive strategic guidance to maintain property ownership during financial hardship.
Tax Debt Relief
Our tax debt relief service addresses overdue income tax liabilities through bankruptcy protections. We stop penalty accruals and create payment structures that satisfy tax obligations while protecting client assets. The process includes navigating complex tax code requirements for debt discharge.
People
Robert Stevens Law Firm
Bankruptcy Attorney
With over 25 years of Virginia bankruptcy experience, Robert Stevens Law Firm specializes in Chapter 7 and 13 solutions. He combines legal expertise with compassionate guidance to help clients eliminate debt and protect assets through personalized strategies.
Questions
What's the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates debts through asset liquidation while Chapter 13 creates 3-5 year repayment plans. We help determine which option best protects your assets based on income and debt levels.
How long does the bankruptcy process take?
Chapter 7 typically completes in 3 months while Chapter 13 requires 3-5 years of structured payments. We guide clients through every step of the court-mandated timelines.
Will I lose my home or car during bankruptcy?
Most clients retain essential assets by maintaining payments through court-approved plans. We structure filings to protect housing and transportation while eliminating unsecured debts.
What are the costs for bankruptcy services?
Initial consultations are free. Legal fees for Chapter 13 are incorporated into payment plans while Chapter 7 fees are paid before discharge. No upfront payments are required beyond court filing costs.
Can bankruptcy stop creditor harassment?
Yes, bankruptcy filings immediately halt creditor calls, lawsuits, and collection actions through automatic stay protections enforced by federal courts.
