Chapter 7 bankruptcy
Chapter 7 Bankruptcy is for people with basic to middle levels of income. A Chapter 7 client has limited equity in high value assets like houses or vehicles. This is a person that regularly needs all of his or her income to pay normal living expenses.
Chapter 13 bankruptcy
Chapter 13 Bankruptcy provides the debtor with an adjustment to debts while still allowing him or her to protect equity in private property like houses or vehicles. It is designed for people that make more money than they need for living expenses on a regular basis.
Fees
At Carlton Legal Services, PLC, we receive many telephone calls asking us to quote a bankruptcy case legal fee. In response, we request that our potential clients understand that we cannot quote a legal fee for a bankruptcy case before we understand the debt situation faced by the client.
Bankruptcy is Our Only Business
At Carlton Legal Services, PLC, Bankruptcy is our only business. We use the power of bankruptcy law to legally remove overwhelming debt and provide each client with a financial fresh start. Bankruptcy is the most powerful debt removal program because it is the only debt removal tool provided by law, and Bankruptcy is the only debt removal program which does not require the approval or consent of the creditors. Instead, Bankruptcy uses the power of federal law to stop all debt collection activity and remove all debt permitted by Congress. Bankruptcy is successful when many other debt removal programs or strategies fail.
At Carlton Legal Services, PLC, we do not blame any client for their debt. We understand and recognize that most debt is not caused by financial irresponsibility or reckless spending habits; instead, most debt is caused by life circumstances beyond the control of the person in debt. Therefore, at Carlton Legal Services, our clients do not need to feel shame, fear, or embarrassment. We are here to serve each client and protect each client from the viciousness of debt collectors. We will welcome you as a client.
At Carlton Legal Services, PLC, our firm is dedicated exclusively to the practice of Bankruptcy law. Bankruptcy law cases are the only type of cases we accept. Our firm procedures were developed to serve only Bankruptcy clients. Our staff has been specially trained to work exclusively with Bankruptcy clients. Even our firm building has been modified for the purpose of serving Bankruptcy clients.
Toll-Free: 800-870-0513
Harrisonburg: 540-437-9900
4153 Quarles Court, Harrisonburg, VA
Staunton: 540-213-0547
118 MacTanly Place, Staunton, VA
Lexington: 540-463-6692
Waynesboro: 540-943-8480
Fax: 540-887-1366
Serving Shenandoah Valley,
Alleghany Highlands