General Information

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• The cities of Colonial Heights, Emporia, Fredericksburg, Hopewell, Richmond and Petersburg, and the counties of Amelia, Brunswick, Caroline, Charles City, Chesterfield, Dinwiddie, Essex, Goochland, Greensville, Hanover, Henrico, King and Queen, King George, King William, Lancaster, Lunenburg, Mecklenburg, Middlesex, New Kent, Northumberland, Nottoway, Powhatan, Prince Edward, Prince George, Richmond, Spotsylvania, Surry, Sussex and Westmoreland,
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Completing a credit counseling course is a requirement before you can file bankruptcy. There are many courses available at various prices. We have found the course below to be a good choice. Our attorney code is BW19885 if requested.

Allen Credit & Debt Counseling

Click here to obtain a free credit report!

Federal Courthouse 701 E. Broad Street 4th Floor (Room 4300) Richmond, VA 23219

• The Courthouse is located at the corner of 7th and Broad Streets in downtown Richmond.
• Bring your driver's license or Virginia issued ID card and your social security card.
• Cell Phones, Laptops and ipads are not allowed in the Courthouse.

 **  At the present time, 341 meetings with the Trustee are being

conduced via Zoom and not at the Bankruptcy Court.

United States Bankruptcy Court Federal 701 E. Broad Street Richmond, VA 23219

P. O. Box 1433 Memphis, TN 38101

P. O. Box 983 Memphis,TN 38101 INCLUDE YOUR CASE NUMBER ON YOUR CHECK OR MONEY ORDER

BILL PAY THROUGH TFS

Sign up for TFS BILLPAY to pay your Chapter 13 Trustee Payments

Call 888-729-2413 or go online at  WWW.TFSBILLPAY.COM

P.O. Box 740256, Atlanta, GA 30374 (800) 525-6285

701 Experian Parkway

P.O. Box 2002, Allen, TX 75013 (888) 397-3742

P.O. Box 1000, Chester, PA 19022

It would be wise to send a copy of your Discharge Order when you receive it to each of the three credit reporting agencies and a letter asking that they mark all debts as included in your bankruptcy.

Thousands of people file bankruptcy every year due to financial hardships. Unfortunately, because of the sometimes unjustified negative connotation associated with filing bankruptcy, many people who could benefit from bankruptcy may tend to shy away. This is because there are a number of unfounded myths surrounding bankruptcy which have been perpetuated over the years. Our Richmond bankruptcy attorney, Bruce W. White, is here to help shed light on these myths.

Bankruptcy Myths  - NONE OF THESE ARE TRUE!

If you have a good job you will be unable to file bankruptcy - Not True!
-- Although there are financial criteria that a person who intends to file bankruptcy must meet, a good majority of people who are gainfully employed qualify to file bankruptcy.

A married couple has to file a joint bankruptcy together - Not True!  

--  Married couples do have the option to file together, but a joint filing is not mandatory. A a married person can file individually.  We advise you to consult our experienced Richmond bankruptcy attorney to decide which filing option would be best for your situation.

Only people who are Not  financially careless file bankruptcy -Not True!

--  While managing your money could be considered a skill, the notion that only the financially irresponsible file bankruptcy is simply untrue. A large percentage of bankruptcies stem from illness and death, divorce, and other catastrophic life situations that cannot be predicted or prevented.

All debts can be discharged - Not True!

-- There are many debts that cannot be discharged through a bankruptcy filing.  Debts such as student loans, recent federal and state taxes, and support payments are generally ineligible to be eliminated through bankruptcy. You should contact our Richmond bankruptcy attorney to discuss your individual case.

Bankruptcy will damage your credit permanently -Not True!

--  Filing bankruptcy may cause your credit score to drop, but it is certainly not permanent.  Many people who file bankruptcy are able to regain a high credit status after a few years.  Many of our clients have been able to purchase a new home or car after filing bankruptcy.

Here at the law office of Bruce W. White, P.C, we are proud to say that we have helped hundreds of local residents start their financial lives over. Our Richmond bankruptcy lawyer is eager to assist you.  Contact us today for a free, no-obligation phone consultation and learn what we can do for you. We can be reached at (804) 288-4328.