Practice Areas
Bankruptcy & Debt Relief
A Fresh Start Begins Here
Let’s Talk About Your Options
If you’re struggling with debt and unsure where to turn, we’re here to help. Bankruptcy is not the end—it’s a legal tool designed to give you a second chance.
Financial difficulties can be overwhelming, but you don’t have to face them alone. At VLO, P.C., we help individuals and families regain control of their finances through trusted legal guidance and practical debt relief solutions.
Our bankruptcy services cover every step of the process—from preparing and filing your petition to representing you in court. We help stop wage garnishments, foreclosure actions, and creditor harassment, while also negotiating with creditors when appropriate. We’ll also guide you through the required financial education courses to ensure your case is completed smoothly and successfully. Whether you’re dealing with mounting credit card debt, wage garnishments, or constant creditor harassment, bankruptcy can offer the path to a more stable financial future.
We begin with a comprehensive review of your financial situation to determine the best solution for your needs.
Chapter 7 and Chapter 13 Bankruptcy
We assist clients with both Chapter 7 and Chapter 13 bankruptcy filings:
Chapter 7 Bankruptcy If you do not have the income available to repay your debts, a Chapter 7 bankruptcy may be the best solution for you. With Chapter 7 bankruptcy, your assets are liquidated and then used to resolve your debts. Chapter 7 bankruptcy can discharge:
- Medical bills
- Credit Cards
- Personal Loans
- Payday Loans
- Certain Tax Debts
- Car Accident Damages – To qualify for Chapter 7 bankruptcy, you must meet the income eligibility requirements. Eligibility is determined through a means test, which compares your current monthly income with the state’s median income. If your monthly income is below the state’s median, then you may qualify for Chapter 7.
Debt Reorganization: Chapter 13 Bankruptcy
If you could repay all or most of your debt by reorganizing your debt into a payment plan, then you may be better suited for Chapter 13 bankruptcy. Chapter 13 bankruptcy allows you to retain your personal property and can be used to discharge debts such as:
- Credit Cards
- Medical bills
- Homeonwers Association (HOA) Fees
- Divorce settlement debts
- Certain Tax Debts
- Older back taxes