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Alliance Legal Group Our mission is to operate a Christ-centered law practice, emphasizing and relying on biblical princi

10/06/2026

What is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

https://bit.ly/3u5Dx8j | (757) 482-5705

What is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

Chapter 7 vs. Chapter 13: Which Choice Gives You Your Life Back?

When people realize they need bankruptcy, they usually run into two confusing numbers: Chapter 7 and Chapter 13.

Our legal team has spent decades making this simple. Chapter 7 is a "wipeout." It takes most of your unsecured debt—like credit cards—and simply erases it. Chapter 13 is a "reorganization." It bundles your debt into one monthly payment for three to five years.

Which is more popular? Data from the US Courts shows that about 70% of folks choose Chapter 7 because it is fast. It only takes a few months.

So why choose Chapter 13? Usually, it is to save a house. If you are behind on your mortgage, Chapter 13 stops foreclosure and lets you catch up over time. It is also great if you make too much money for Chapter 7.

You do not need to guess which is right for you. With four offices across Virginia, our expert lawyers sit down with you, look at your bills, and tell you the best path. We handle all types of bankruptcy cases. Stop figuring it out alone online. Call us today to get started!

For More Information and a FREE Consultation please call (757) 482-5705 or visit us online at https://bit.ly/3u5Dx8j

What is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

"Nothing in this video, or in links provided in the description of this video, constitutes legal advice or the practice of law. Nor does viewing this page form an attorney/client relationship between you and any Lawyer at our law firm. All visitors should consult with a qualified legal professional regarding their individual questions, needs, or issues that may be of concern. We are not responsible for any action taken by a reader based upon any information in this video. All of the content in this video is for general informational and educational purposes only."

10/06/2026

Are Student Loans Forgiven in Bankruptcy?

https://bit.ly/3u5Dx8j | (757) 482-5705

Are Student Loans Forgiven in Bankruptcy?

The Secret Way to Finally Wipe Out Your Student Loan Debt!

For a long time, everyone thought it was impossible to get rid of student loans in bankruptcy. The old advice is actually wrong!

Our authoritative legal team stays on top of the newest laws. Here is a wild statistic: According to the Villanova Law Review, 99% of people who file for bankruptcy do not even try to wipe out their student loans because they think they will lose. But many who do try actually win!

Recently, the government created clearer rules to help people discharge student debt. If paying your student loans makes it impossible to afford a basic living, you can ask the court to wipe them out. This is called an "undue hardship." You just have to fill out detailed forms about your income and living costs.

With four convenient locations in Virginia, our experienced team sees folks drowning in student debt all the time. We know exactly how to fill out these new forms to give you the best chance of winning.

Don't let old rumors keep you stuck in debt forever. If you are struggling with student loans, call us today. Let's wipe the slate clean.

For More Information and a FREE Consultation please call (757) 482-5705 or visit us online at https://bit.ly/3u5Dx8j

Are Student Loans Forgiven in Bankruptcy?

"Nothing in this video, or in links provided in the description of this video, constitutes legal advice or the practice of law. Nor does viewing this page form an attorney/client relationship between you and any Lawyer at our law firm. All visitors should consult with a qualified legal professional regarding their individual questions, needs, or issues that may be of concern. We are not responsible for any action taken by a reader based upon any information in this video. All of the content in this video is for general informational and educational purposes only."

09/30/2026

Can I Stop Wage Garnishment With Bankruptcy?

https://bit.ly/3u5Dx8j | (757) 482-5705

Can I Stop Wage Garnishment With Bankruptcy?

Keep Your Paycheck! How to Stop Creditors from Stealing Your Wages.

Working hard all week just to see a chunk of your paycheck missing is a terrible feeling. When a creditor gets a court order to take your wages, it is called a "garnishment."

If this is happening to you, you have options. We have been fighting wage garnishments for decades. A major study by the ADP Research Institute found that 1 in 10 working adults has had their wages garnished. It is a massive problem.

But here is the powerful secret: Bankruptcy stops garnishment dead in its tracks. The moment our experienced team files your case, a federal law called the "automatic stay" kicks in. It forces creditors to stop taking your paycheck immediately and stops all phone calls.

Whether we use Chapter 7 to wipe out the debt completely, or Chapter 13 to create an affordable payment plan, your paycheck goes back to being yours.

With four Virginia locations, our team is ready to step in quickly. Time is very important when your wages are being taken. Don't wait until your next payday to get help. You worked hard for your money. Give us a call today!

For More Information and a FREE Consultation please call (757) 482-5705 or visit us online at https://bit.ly/3u5Dx8j

Can I Stop Wage Garnishment With Bankruptcy?

"Nothing in this video, or in links provided in the description of this video, constitutes legal advice or the practice of law. Nor does viewing this page form an attorney/client relationship between you and any Lawyer at our law firm. All visitors should consult with a qualified legal professional regarding their individual questions, needs, or issues that may be of concern. We are not responsible for any action taken by a reader based upon any information in this video. All of the content in this video is for general informational and educational purposes only."

09/29/2026

Can I Keep My House if I File for Bankruptcy?

https://bit.ly/3u5Dx8j | (757) 482-5705

Can I Keep My House if I File for Bankruptcy?

Save Your Home! The Truth About Bankruptcy and Your House.

One of the first things people ask our experienced legal team is, "Will the court take my house?"

The idea of losing a home keeps many good people from getting financial help. But we want to clear this up: Most people who file for bankruptcy do not lose their homes. Actually, bankruptcy is often the best way to save your house from foreclosure!

Here is a fact that might shock you. According to federal court data, in over 95% of Chapter 7 bankruptcy cases, the person filing does not lose a single piece of property. The law has built-in protections called "exemptions" that protect your basic needs.

Our authoritative lawyers know exactly how to use these laws to lock down your property. If you are behind on your mortgage, Chapter 13 bankruptcy allows you to catch up on missed house payments over three to five years. The bank cannot say no!

With four offices in Virginia, we have helped countless families stay in their homes. You don't have to pack your bags just because money is tight. Talk to us before you make any big moves. Call us today!

For More Information and a FREE Consultation please call (757) 482-5705 or visit us online at https://bit.ly/3u5Dx8j

Can I Keep My House if I File for Bankruptcy?

"Nothing in this video, or in links provided in the description of this video, constitutes legal advice or the practice of law. Nor does viewing this page form an attorney/client relationship between you and any Lawyer at our law firm. All visitors should consult with a qualified legal professional regarding their individual questions, needs, or issues that may be of concern. We are not responsible for any action taken by a reader based upon any information in this video. All of the content in this video is for general informational and educational purposes only."

09/28/2026

Does Medical Debt Cause Bankruptcy?

https://bit.ly/3u5Dx8j | (757) 482-5705

Does Medical Debt Cause Bankruptcy?

Sick and Broke? How to Stop Medical Bills from Ruining Your Life.

Getting sick is bad enough. But getting massive hospital bills in the mail? That can be a total nightmare.

If you are drowning in medical debt, you are not alone. In our decades of helping people with all types of bankruptcy, medical bills are a top reason folks walk through our doors. A famous study in the American Journal of Public Health found that 66.5% of all bankruptcies in the United States are tied to medical issues.

Over half the people filing are doing it because someone got sick. Our healthcare system is incredibly expensive. The good news? Bankruptcy is built for exactly this problem. Medical debt is "unsecured debt," making it one of the easiest types to wipe out completely.

Our team of experts knows exactly how to handle aggressive debt collectors. With four locations in Virginia, we are always close by. As soon as you file your case, the "automatic stay" forces the hospital to stop calling you.

You deserve to heal without worrying about how to pay for it. Give us a call today. We are ready to help you get your peace of mind back.

Does Medical Debt Cause Bankruptcy?

"Nothing in this video, or in links provided in the description of this video, constitutes legal advice or the practice of law. Nor does viewing this page form an attorney/client relationship between you and any Lawyer at our law firm. All visitors should consult with a qualified legal professional regarding their individual questions, needs, or issues that may be of concern. We are not responsible for any action taken by a reader based upon any information in this video. All of the content in this video is for general informational and educational purposes only."

09/27/2026

Will Bankruptcy Ruin My Credit Score Forever?

https://bit.ly/3u5Dx8j | (757) 482-5705

Will Bankruptcy Ruin My Credit Score Forever?

The Big Credit Score Lie: Why Bankruptcy Might Actually Fix Your Credit!

Let's talk about the biggest fear people have about bankruptcy. Almost everyone thinks filing will ruin their credit score forever.

We have practiced bankruptcy law for decades, and that is a myth! In fact, holding onto debt you cannot pay is much worse for your credit. Here is a surprising fact: A major study by the Federal Reserve Bank of New York showed people who file for bankruptcy often see their credit scores go up faster than people who just let bad debt sit there.

Why? It is simple. Before bankruptcy, maxed-out cards drag your score down every month. Once your bankruptcy is over, that bad debt is wiped away. You start with a clean slate and look better to lenders.

With four offices across Virginia, our team of lawyers has seen this thousands of times. Clients come to us with scores in the 400s. A year or two later, they are getting car loans.

For More Information and a FREE Consultation please call (757) 482-5705 or visit us online at https://bit.ly/3u5Dx8j

Will Bankruptcy Ruin My Credit Score Forever?

"Nothing in this video, or in links provided in the description of this video, constitutes legal advice or the practice of law. Nor does viewing this page form an attorney/client relationship between you and any Lawyer at our law firm. All visitors should consult with a qualified legal professional regarding their individual questions, needs, or issues that may be of concern. We are not responsible for any action taken by a reader based upon any information in this video. All of the content in this video is for general informational and educational purposes only."

07/10/2026

What Does Life Look Like After Bankruptcy Is Discharged?

https://bit.ly/3u5Dx8j | (757) 482-5705

What Does Life Look Like After Bankruptcy Is Discharged?

The Discharge Came Through — Now What? Here Is the Honest Road Map for Life After Bankruptcy

We have had thousands of clients call us after their discharge came through. The emotion in those calls is something that never gets old. Relief. Real, physical relief. Like they have been holding their breath for two years and finally got to exhale.

But then comes the question: now what? Here is the honest, experience-based road map.

The first thing to do is check your credit reports. Federal law gives you the right to free reports from each of the three major credit bureaus annually through https://bit.ly/3hmk6jx After a bankruptcy discharge, you want to verify that the discharged accounts are being reported correctly — showing a zero balance and "discharged in bankruptcy," not still showing as delinquent or open with balances. Errors are common and must be disputed.

Next, start rebuilding credit intentionally and carefully. A secured credit card — where you deposit money as collateral for a small credit limit — is typically the first step. Use it for small, regular purchases. Pay the full balance each month. Never carry a balance. This begins demonstrating positive payment history to the credit bureaus.

According to research from the Urban Institute, access to credit after bankruptcy improves significantly for most filers within 18 to 24 months. By year three, many former bankruptcy filers are qualifying for unsecured credit cards and auto loans. By year four or five, FHA mortgage eligibility after Chapter 7 becomes possible for many people who maintain clean credit post-discharge.

Here is something that very few people discuss: the financial habits that lead to a successful life after bankruptcy are the same ones that would have prevented the crisis in the first place — a budget, an emergency fund, controlled credit use. Bankruptcy gives you the clean slate. What you build on it is up to you. And our experience is that the vast majority of people use it wisely.

We are proud of every client who has rebuilt after filing with our team. If you are ready for a fresh start, call us.

For More Information and a FREE Consultation please call (757) 482-5705 or visit us online at https://bit.ly/3u5Dx8j

What Does Life Look Like After Bankruptcy Is Discharged?

"Nothing in this video, or in links provided in the description of this video, constitutes legal advice or the practice of law. Nor does viewing this page form an attorney/client relationship between you and any Lawyer at our law firm. All visitors should consult with a qualified legal professional regarding their individual questions, needs, or issues that may be of concern. We are not responsible for any action taken by a reader based upon any information in this video. All of the content in this video is for general informational and educational purposes only."

07/09/2026

Can Bankruptcy Stop a Vehicle Repossession and Help You Keep Your Car?

https://bit.ly/3u5Dx8j | (757) 482-5705

Can Bankruptcy Stop a Vehicle Repossession and Help You Keep Your Car?

The Repo Man Came Last Night — Here Is What You Can Actually Do About It Today

Vehicle repossession happens fast. In most situations, a lender can repossess a vehicle the day after a payment is missed — without going to court, without advance notice, without giving you any chance to catch up first. You can wake up one morning and your car is simply gone.

For most people, losing their car does not just mean losing transportation. It means losing their job. Their ability to get their kids to school. Their independence. The consequences cascade rapidly.

Bankruptcy can help — but the timing matters enormously.

If you file bankruptcy before a repossession occurs, the automatic stay stops the lender from taking the vehicle at all. In Chapter 13, you can then set up a repayment plan that catches up on the missed payments and keeps the car.

If the vehicle has already been repossessed but not yet sold at auction, Chapter 13 bankruptcy may force the lender to return the vehicle. This is a powerful and underused remedy — but it requires acting extremely quickly, because once the vehicle is sold, that option is gone.

Chapter 13 also offers something called a "cramdown" on vehicle loans. If you have had the car for more than 910 days and owe more than it is worth, you may be able to reduce the loan balance to the vehicle's actual fair market value — potentially saving thousands of dollars on an underwater car loan.

According to Cox Automotive, vehicle repossession volumes in the United States have been rising as auto loan delinquencies increase. Experian's automotive finance data has shown rising rates of serious delinquency on auto loans, particularly among borrowers with subprime credit.

Our team has helped people in Virginia save their vehicles through bankruptcy for decades across our four locations. If your car is at risk or has already been taken, please call us immediately. Every hour can matter in a repossession situation.

For More Information and a FREE Consultation please call (757) 482-5705 or visit us online at https://bit.ly/3u5Dx8j

Can Bankruptcy Stop a Vehicle Repossession and Help You Keep Your Car?

"Nothing in this video, or in links provided in the description of this video, constitutes legal advice or the practice of law. Nor does viewing this page form an attorney/client relationship between you and any Lawyer at our law firm. All visitors should consult with a qualified legal professional regarding their individual questions, needs, or issues that may be of concern. We are not responsible for any action taken by a reader based upon any information in this video. All of the content in this video is for general informational and educational purposes only."

07/04/2026

What Happens to a Personal Guarantee When a Small Business Files for Bankruptcy?

https://bit.ly/3u5Dx8j | (757) 482-5705

What Happens to a Personal Guarantee When a Small Business Files for Bankruptcy?

You Signed a Personal Guarantee for Your Business Loan — Here Is What That Means If the Business Goes Under

Personal guarantees are one of the most consequential — and least understood — documents that small business owners sign. When a bank or creditor requires a personal guarantee, they are saying: if the business cannot pay this debt, we can come after you personally. Your savings. Your home. Your personal assets.

Most small business owners sign personal guarantees without fully understanding what they are agreeing to. And when the business runs into trouble, the personal guarantee becomes one of the most urgent issues to address.

Here is what bankruptcy can do: if a small business owner files personal bankruptcy, debts owed under personal guarantees are generally treated as personal debts — and if they are unsecured (not backed by collateral), they can be discharged in Chapter 7 just like any other unsecured debt. This can wipe out tens or hundreds of thousands of dollars in personal liability that resulted from guaranteeing business loans, equipment leases, or commercial property leases.

According to the Federal Reserve's Small Business Credit Survey, a significant majority of small business owners who apply for financing are required to provide a personal guarantee. For businesses that eventually fail, those guarantees become a direct personal financial crisis.

The Small Business Administration (SBA) reports that approximately 20 percent of small businesses fail within their first year, and roughly 50 percent fail within five years. For the owners of those businesses who signed personal guarantees, business failure can quickly become a personal financial emergency.

There are strategic decisions to be made about whether to file business bankruptcy, personal bankruptcy, or both — and in what order. These decisions have significant consequences and require experienced guidance.

Our team has handled both business and personal bankruptcy cases involving personal guarantees for decades. If your business is in trouble and you signed guarantees, please call us. We can help you understand all your options.

For More Information and a FREE Consultation please call (757) 482-5705 or visit us online at https://bit.ly/3u5Dx8j

What Happens to a Personal Guarantee When a Small Business Files for Bankruptcy?

"Nothing in this video, or in links provided in the description of this video, constitutes legal advice or the practice of law. Nor does viewing this page form an attorney/client relationship between you and any Lawyer at our law firm. All visitors should consult with a qualified legal professional regarding their individual questions, needs, or issues that may be of concern. We are not responsible for any action taken by a reader based upon any information in this video. All of the content in this video is for general informational and educational purposes only."

07/01/2026

Should You File for Bankruptcy Before or After Your Divorce?

https://bit.ly/3u5Dx8j | (757) 482-5705

Should You File for Bankruptcy Before or After Your Divorce?

Divorce and Bankruptcy at the Same Time — Here Is the Question That Changes Everything

Divorce and bankruptcy are two of the most financially disruptive events in a person's life. When they happen together — or close together — the decisions you make about sequencing them can have enormous consequences for both outcomes.

This is a question our firm gets asked regularly, and there is not a one-size-fits-all answer. But there are principles that apply broadly.

If a married couple files Chapter 7 together before divorcing, they can discharge joint debts together — meaning both spouses are free from those debts after the discharge. This can dramatically simplify the divorce process because there is far less marital debt to divide. It can also be more cost-effective since filing jointly means paying one set of court fees and attorney costs rather than two.

However, filing jointly requires both spouses to cooperate and both to meet the means test. If the divorce is acrimonious, joint filing may not be realistic. And if the couple's combined income pushes them over the means test threshold for Chapter 7, they may only qualify for Chapter 13 together.

Filing bankruptcy after divorce has its own considerations. Each person files individually as a single filer, which may actually make it easier to qualify for Chapter 7 on income grounds. But joint debts that were assigned to one spouse in the divorce decree remain the problem of that spouse — if the other fails to pay a joint debt, creditors can still pursue the original joint account holder.

According to research from the Institute for Divorce Financial Analysts, debt issues are among the most significant financial complications in divorce proceedings. How those debts are handled — especially in the context of a potential bankruptcy — directly impacts how long the divorce drags on and how much it costs.

Our team has navigated this intersection for decades. If divorce and debt are both part of your situation, call us. The order of operations really does matter.

For More Information and a FREE Consultation please call (757) 482-5705 or visit us online at https://bit.ly/3u5Dx8j

Should You File for Bankruptcy Before or After Your Divorce?

"Nothing in this video, or in links provided in the description of this video, constitutes legal advice or the practice of law. Nor does viewing this page form an attorney/client relationship between you and any Lawyer at our law firm. All visitors should consult with a qualified legal professional regarding their individual questions, needs, or issues that may be of concern. We are not responsible for any action taken by a reader based upon any information in this video. All of the content in this video is for general informational and educational purposes only."

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133 Mount Pleasant Road
Chesapeake, VA
23322

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Thursday 9am - 7pm
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