There are some law firms in Virginia that specialize in filing either Chapter 13 bankruptcies or Chapter 7 bankruptcies. When they meet with a client, they will try to fit the client into the type of bankruptcy that they file. Some firms will tell clients that they have to file a Chapter 13 bankruptcy regardless of the client's circumstances. While there are many benefits that may be gained from filing a Chapter 13 bankruptcy, such as saving a house from foreclosure or stopping the repossession of a car, individuals should not be forced into filing a Chapter 13 bankruptcy because the firm puts virtually everyone into a Chapter 13.
When I meet with a client, I go over both Chapter 7 and Chapter 13 bankruptcies and explain how each of them would apply to the client's situation. I will make a recommendation as to what I think is best for the client based on what they want to accomplish. I will even tell someone if I think that bankruptcy is not the best option for them and why. I think it is important that the client make the decision about whether to file a Chapter 7 bankruptcy or a Chapter 13 bankruptcy.
Over the past few years, I have seen many individuals who come to me facing a foreclosure on their house. They tell me that they will do anything to save their house. I explain how a Chapter 13 will allow them to keep their house and catch up their mortgage payments. We set up a Chapter 13 plan that will allow them to keep their house and then a couple of months later they decide that they can't afford the house. This then costs them additional attorney fees to change their case from a Chapter 13 to a Chapter 7. They may have also wasted money making mortgage payments on a house that they will lose anyway.
Since I handle both Chapter 7 and Chapter 13 bankruptcies, I want to make sure that the client decides which bankruptcy is best for them. I don't try to squeeze a client into the type of bankruptcy that I like to file.
If you are facing financial difficulties, contact Hampton Roads Legal Services today at 757-320-2010 to schedule a free consultation so I can advise you as to what would work best for your situation.
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