Learn How You Can Stop Foreclosure

In Virginia, creditors are legally entitled to come at you and take what you owe them. As a result, people in debt are deluged with phone calls, mail, emails and knocks on the door from people who want their money.

Some creditors become even more aggressive, obtaining court orders to take money from one's bank account or paycheck. This is called "garnishment." If you are already in a weakened financial condition, garnishment can finish you off.

Filing for bankruptcy stops garnishment in its tracks. The moment you file, creditors are ordered to cease and desist all efforts to collect.

Benefits Of The Automatic Stay

The automatic stay provisions of Chapter 7 bankruptcy and Chapter 13 bankruptcy stop all efforts to collect, including repossession of cars, motorcycles, trucks and other big-ticket items. Your phone will suddenly go quiet. Your mailbox will have room in it for mail again.

Chapter 13 Bankruptcy Can Halt Home Foreclosure

Not only can filing for bankruptcy stop foreclose on your home, but it buys you time to renegotiate your payments at a rate you can afford. The bankruptcy lawyers at Coates & Davenport, P.C., based in Richmond, will do most of the heavy lifting, helping with forms and filings. If you have had enough of creditor harassment, give us a call. We can point you toward a fresh financial start in life.

You can reach us at 804-729-5537, or write to us using this online form.


Our team of bankruptcy law attorneys, John C. Moore and Tammy L. Sossei are ready to work with you


We are a debt relief agency. We help people file for relief under the Bankruptcy Code.