When you're going through a personal matter, such as divorce or bankruptcy, you need lawyers who don’t just understand Virginia law—they need to understand people as well. Emotional intelligence and legal intelligence go hand-in-hand when selecting a bankruptcy or divorce attorney to settle any issues you may have. You're probably putting enough stress on yourself right now; let Hampton Roads Legal Services take over to get you back on track and ready for a fresh start. Debt can get out of control very quickly, even when you're generally good at managing your money. All it takes is one unexpected health problem to accrue a mountain of medical bills, or losing your job to suddenly cut off your family's main source of income. So many American families live paycheck-to-paycheck…and when an unfortunate, life-changing event occurs, any kind of financial security you thought you had can go flying out the window. If the threats of foreclosure, repossession, and garnishments are becoming too much, it might be time to file for bankruptcy. Some people have led their lives believing that bankruptcy marks the end of any chance they had at a stable future. This could not be further from the truth. Bankruptcy can often be your ticket to getting your life back and ending the debt collection calls. How can filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy help you? •Bankruptcy can stop foreclosure on your home and create a payment plan that will help you catch up on what you owe from past months. •Depending on the type of bankruptcy you qualify for, certain debts can be completely forgiven or condensed into a payment plan you can afford. •Filing for bankruptcy can stop harassing bill collectors from calling you at home or work. •If your utilities have been shut off, bankruptcy will help restore service. •Bankruptcy will stop creditors from garnishing your hard-earned wages. In general, the type of bankruptcy you end up filing for will be determined by your household's recent income. Chapter 7 bankruptcy is designed for people who have little to no regular income and unsecured debts, while the Chapter 13 repayment plan may be better for individuals with a reliable source of income and debts that have to be paid back like a car loan or mortgage arrears. Our bankruptcy attorneys can evaluate your personal circumstances to determine whether you should file for bankruptcy, as well as what the best course of action will be. Virginia Family Law: Divorce and Child Custody Virginia provides a no-fault option when it comes to divorce, which means you don't need to prove that one spouse was to blame for the break-up. This is especially gratifying for couples that are hoping to finalize their divorce quickly and quietly in a fairly amicable way. If you and your spouse are willing to work through your divorce without too much disagreement, our law office can sit down with you to iron out the details and dissolve your marriage as efficiently as possible. Handling your Virginia divorce in this manner reduces stress both emotionally and financially because it keeps things out of court; instead of letting a judge decide your future, you are able to. The best part? Hampton Roads Legal Services has the ability to handle uncontested divorces in our office and submit the paperwork on your behalf, so you'll never have to set foot in a courthouse. We can also handle your Tidewater child custody issues, whether or not they are part of a divorce. In fact, many couples we help have never been married, and although their relationship didn’t work out, they want to ensure proper care for their child. In determining custody, both physical and legal custody will need to be resolved; physical custody involves who the ch