Phone:  Virginia Beach/Newport News: (757) 333-0599 - Richmond: (804) 381-6590

Liberty Law Clinic, P.C.

Virginia Bankruptcy Lawyers

Chapter 7 Bankruptcy and Chapter 13 Bankruptcy




Chapter 7 is designed for debtors who are having financial difficulty and who do not have the ability to pay their existing debts. The purpose of filing a Chapter 7 case is to obtain a discharge of the debtor's existing debts.
The debtor must attend a 341 meeting of creditors, which is held approximately 40 days after the Chapter 7 bankruptcy petition is filed. Your attendance is mandatory and the attorney will accompany you to the meeting. Creditors rarely attend the meeting.
The Order of Discharge is normally entered about 110 days after the Chapter 7 case is filed. The Order provides that all of your eligible debt is discharged and prevents creditors whose debt is discharged from attempting to collect the debt from you. Certain debts are not dischargeable under law. Therefore, you may still be responsible for such debts as certain taxes, student loans, alimony and support payments, criminal restitution, and debts for death or personal injury caused by driving while intoxicated from alcohol or drugs.

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A Chapter 7 bankruptcy can stay on your credit for 10 years. However, there is life after bankruptcy. After your discharge, new automobile financing is available at most new car dealerships provided income and employment conditions are met. Also, if certain conditions are met, new mortgage financing is usually available 2 to 4 years after discharge.


What debts are dischargedin

Chapter 7



possibly dischargeable


not dischargeable

  • Personal loans
  • Credit cards
  • Repossession deficiencies
  • Auto accident claims
  • Medical bills
  • Judgments
  • Business debts
  • Leases
  • Guaranties
  • Negligence claims
  • Tax penalties over 3 years old
  • Income taxes that aren't priority taxes
  • Willful and malicious injuries to others
  • Embezzlement
  • Debts incurred by fraud or dishonesty
  • Debts arising from breach of fiduciary duty
A creditor contesting the discharge of these debts must take prompt action to contest the discharge of his claim.
  • Recent taxes
  • Trust fund taxes
  • Child or family support
  • Criminal fine or restitution
  • Accident claims involving intoxication
  • Debts not scheduled
  • Penalties payable to the government other than tax penalties
  • Student loans
  • Debts listed in prior bankruptcy where debtor was denied a discharge
  • Taxes for years where return unfiled or filed for less than 2 years


VIRGINIA BEACH: 505 S. Independence Blvd, Suite 107, Virginia Beach, VA 23452 Phone (757) 333-0599

NEWPORT NEWS: 11815 Fountain Way, Suite 300, Newport News, VA 23606 - Phone (757) 333-0599

RICHMOND: 7400 Beaufort Spring Dr., Suite 300, Richmond, VA 23225 - Phone (804) 381-6590

Fax: (757) 351-4571