Virginia Bankruptcy Blog

I had three meetings with John and Sandy before I was sure that we would be able to get them approved and get them a Chapter 7 discharge. For people over the median, getting approved for Chapter 7, passing the means test, requires careful, detailed work by both the client and the lawyer. John and Sandy thought long and hard about their budget, got me the information I need, and together we were able to get it done.

The young Republic of yesteryear is today a strong and a very great nation. It still lives the values of the Declaration, the Constitution, and the Bill of Rights. It influences the destiny of millions beyond our shores. It still remains, in Lincoln's words, "The last, best hope of earth." Let us, this Fourth of July, continue to be a nation of hope. The American people believe in tomorrow--that by dawn's early light our flag will still be there.

If you're like most people, when the financial situation starts to get out of hand and the debt collectors call day and night, you stop answering the phone. That's a good strategy for a while, but it's a problem for me as your bankruptcy lawyer because sometimes I need to reach you.

The seven biggest groupts of bankers all sent a letter to Congress in February 2026 asking for stronger regulation of the outfits doing debt settlement. Many people who sign up for debt settlement think it's somehow better or more honest than filing for bankruptcy. But the bankers don't. So who exactly will think better of you because you tried it?