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Hampton Roads Legal Services

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy
  • If you're buried in debt, your best option may be to file for Chapter 7 bankruptcy. This type of bankruptcy is designed for individuals who do not have the ability to repay their creditors. The vast majority of our clients are able to protect all of their assets so that they do not lose anything. However, in order to allow you to keep your belongings, the necessary documents must be correctly prepared and filed. Don't lose your assets. Before you attempt to file, consult with an experienced attorney.

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy
  • If you fallen behind on your mortgage payments but now have the ability to make your regular monthly payments, cover your living expenses and make a pyament to catch up what you are behind, a Chapter 13 bankruptcy can help you to keep your home. If you have missed payments on your car and the repo man is on his way or just took your car, a Chapter 13 bankruptcy can help you get it back. If you have tax debt or debts that can not be discharged in a Chapter 7 bankruptcy, there's a good chance that Chapter 13 bankruptcy could be a good option for you. Chapter 13 offers a repayment plan over three to five years that helps you pay the debts that have to be paid in a way that you can afford and helping you to become debt free.


  • If you are planning to file for divorce in Virginia, but you want to keep costs and stress down, Hampton Roads Legal Services focuses on uncontested divorces. We can help you settle your divorce amicably and outside of the courtroom.

Child Custody

Child Custody
  • When you end things with your spouse, an important piece of the breakup is determining who gets custody of the children. The Virginia legal system aims to create a fair child custody plan that is in the best interest of the child. Work with a Virginia Beach custody lawyer to craft your ideal custody plan, which will detail legal custody, physical custody, and visitation schedules.

Putting You in Charge of Your Life Through Bankruptcy and Divorce

When you're going through a personal matter, such as divorce or bankruptcy, you need lawyers who don’t just understand Virginia law—they need to understand people as well. Emotional intelligence and legal intelligence go hand-in-hand when selecting a bankruptcy or divorce attorney to settle any issues you may have.

You're probably putting enough stress on yourself right now; let Hampton Roads Legal Services take over to get you back on track and ready for a fresh start. We are located right off I264 in Virginia Beach with easy access from anywhere in Hampton Roads.

Filing for Chapter 7 or Chapter 13 Bankruptcy in Virginia

Debt can get out of control very quickly, even when you're generally good at managing your money. All it takes is one unexpected health problem to accrue a mountain of medical bills, or losing your job to suddenly cut off your family's main source of income. So many American families live paycheck-to-paycheck…and when an unfortunate, life-changing event occurs, any kind of financial security you thought you had can go flying out the window.

If the threats of foreclosure, repossession, and garnishments are becoming too much, it might be time to file for bankruptcy.

Some people have lead their lives believing that bankruptcy marks the end of any chance they had at a stable future. This could not be further from the truth. Bankruptcy can often be your ticket to getting your life back and ending the debt collection calls.

How can filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy help you?

  • Bankruptcy can stop foreclosure on your home and create a payment plan that will help you catch up on what you owe from past months.
  • Depending on the type of bankruptcy you qualify for, certain debts can be completely forgiven or condensed into a payment plan you can afford.
  • Filing for bankruptcy can stop harassing bill collectors from calling you at home or work.
  • If your utilities have been shut off, bankruptcy will help restore service.
  • Bankruptcy will stop creditors from garnishing your hard-earned wages.

In general, the type of bankruptcy you end up filing for will be determined by your household's recent income. Chapter 7 bankruptcy is designed for people who have little to no regular income and unsecured debts, while the Chapter 13 repayment plan may be better for individuals with a reliable source of income and debts that have to be paid back like a car loan or mortgage arrears. Our bankruptcy lawyer can evaluate your personal circumstances to determine whether you should file for bankruptcy, as well as what the best course of action will be. You are also welcome to request a free copy of our book, 10 Myths About Debt Collection Actions and Bankruptcy That Every Consumer Should Know.

Virginia Family Law: Divorce and Child Custody

Virginia provides a no-fault option when it comes to divorce, which means you don't need to prove that one spouse was to blame for the break-up. This is especially gratifying for couples that are hoping to finalize their divorce quickly and quietly in a fairly amicable way. If you and your spouse are willing to work through your divorce without too much disagreement, our law office can sit down with you to iron out the details and dissolve your marriage as efficiently as possible. Handling your Virginia divorce in this manner reduces stress both emotionally and financially because it keeps things out of court; instead of letting a judge decide your future, you are able to. The best part? Hampton Roads Legal Services has the ability to handle uncontested divorces in our office and submit the paperwork on your behalf, so you'll never have to set foot in a courthouse.

We can also handle your Tidewater child custody issues, whether or not they are part of a divorce. In fact, many couples we help have never been married, and although their relationship didn’t work out, they want to ensure proper care for their child. In determining custody, both physical and legal custody will need to be resolved; physical custody involves who the child will live with, while legal custody involves deciding who will be responsible for important decisions like education, religion, medical treatment, and extracurricular activities.

Your Virginia Beach Legal Team

Run by Attorney Edrie Pfeiffer, Hampton Roads Legal Services is a small law firm that is proud to provide clients with the personal attention their cases deserve. With over 25 years of combined experience, we help Virginia residents all over Hampton Roads—from Norfolk, to Chesapeake, to Portsmouth—with bankruptcy and family law matters. We are proud of our reputation for quality service but don't take our work for it. See what our clients have to say about us.

We are also pleased to offer our clients a variety of payment options. In your initial free consultation, we will be completely honest about costs and put you in charge of how and when you want to pay. We have a reputation for being affordable and fair, and we hope you will share that opinion.

Call Hampton Roads Legal Services at 757-340-3100 today. We offer a completely free consultation for bankruptcy or divorce. There is a small fee for all other consultations.

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Edrie Pfeiffer
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Edrie Pfeiffer has been a divorce and bankruptcy attorney in Virginia for over 16 years.