Margaret C. Valois, Attorney at Law

Margaret C. Valois, Attorney at Law

"I've helped thousands of clients take charge of their finances.  If you need help, please let me help you!"



Chapter 7 Bankruptcy is the best solution for many of our clients.  It provides instant relief from collection actions and a fresh financial start.  Chapter 7 Bankruptcy is less expensive than Chapter 13 Bankruptcy, and a discharge of your debts occurs much more quickly, allowing clients the fresh start they deserve. 

Most of our Chapter 7 clients discharge ALL of their debts and keep ALL of their property. 

However, there are some requirements for Chapter 7 filers:

  • You must not have filed a Chapter 7 case in the last 8 years

  • Your household income must be below certain income limits (with exceptions made in some circumstances)

  • You must not have substantial disposable income available to repay your debts

Many of our clients are concerned that they will lose their homes, cars or other property if they file a Chapter 7 Bankruptcy.  A competent bankruptcy attorney can provide guidance and advice so that does not happen and you get to keep your home and other property.

A Chapter 7 case is usually complete and closed within three months of filing.  This means discharge of debts without any repayment plan or other conditions.

If you are drowning in debt, give us a call NOW to set a free appointment.  We will analyze your situation and see if a Chapter 7 Bankruptcy will give you your life back.  Don't put it off any longer. Relief is just a phone call away.  I've helped thousands of clients in Virginia and I can help you too.  The biggest mistake our clients make is waiting too long to see us.