Filing for Bankruptcy in Richmond, Virginia? Attorney Ellen P. Ray is Ready to Help You!

 Experienced in all areas of Bankruptcy Law. Specializing in Chapter 13 and Chapter 7 Bankruptcies.

Need a Bankruptcy Lawyer in Richmond, Virginia? We'll guide you through Chapter 13 or Chapter 7 bankruptcy.

You want an attorney knowledgeable in consumer and business bankruptcy laws and cases, as well as one who knows the nuances of the court system and the trustee’s office, to ensure that the process goes smoothly with a more predictable outcome.

Ellen Ray gives you those skills and more. She has been practicing law in Richmond, VA, for 32 years and bankruptcy exclusively for more than 25 years.

Experience Matters

Trust a lawyer with over two decades of experience. Ellen Ray has been practicing law for 32 years and has specialized in handling bankruptcy cases for more than 25 years.

Got Questions?

We've got answers! Review our frequently asked questions. Then, connect with Ellen Ray for guidance on your particular situation or case.

Free Consultation

Get knowledgeable advice from an experienced bankruptcy attorney. Contact Ellen Ray to start finding a solution to your problem.

Our Legal Team

Get an experienced attorney on your side.
Call (804) 355-1800
speak with a lawyer today.

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Ellen Ray

Attorney at Law

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Lacey Parker

Legal Assistant

Chapter 13


The above pre filing fees may be increased if your case requires more pre filing assistance once your particular situation is evaluated at your initial consultation. The total fees are paid in the case and set by the court.

The court filing fee for filing a Chapter 13 case is currently $313.00, which must be paid in full before filing the case.

Any extra work/fees will be discussed at the consultation.

Chapter 7


$945 is the base fee for a Chapter 7 bankruptcy. Complete fees vary based on each individual case.

This fee does not include court fees or a credit report fee. The court filing fee is currently $338.00.

Any extra work or fees will be discussed in full at the initial consultation.

Have Questions About Bankruptcy Law in Richmond, Virginia? Get Experienced Legal Advice Today!

Don't let bankruptcy ruin your life. Talk to Attorney Ellen P. Ray and find a solution to pull yourself out of debt. Call (804) 355-1800 today to schedule a free consultation.


Get on an approved payment plan.
We work with you to develop a plan and propose a monthly payment to the trustee in the case. The trustee will pay the debts of the person seeking relief according to the terms filed with the court.

Works well for people who need to resolve:
Back payments are owed on a mortgage or vehicle loan. Back taxes owed. Income is enough to pay some but not all the debt owed. Protects equity in property that would be lost with a Chapter 7 filing.

Added Benefits:
Removes the lien of a second or third mortgage holder on a home with a first mortgage that has a balance that is higher than the property's total value. Helps a person who is not eligible to file a Chapter 7 but needs to file for bankruptcy.

Joint Debt & Bankruptcies

Get informed about Joint Debt.
If you believe you have co-signed or guaranteed a loan for another person, and you wish to get more information on your liability for that debt, our office to discuss your situation.

Have you co-signed a debt?
In co-signing a loan, you are agreeing that you will pay the debt in full if the other person or persons who have signed the loan do not pay. No matter what order you signed, both you and the other person are equally liable for the debt.

Filing bankruptcy involving joint debt
If the first person on a note or loan files bankruptcy and discharges any part of the debt, the co-signer will still be responsible for the balance of the money owed, and the creditor may choose to collect against the co-signer just as if that person received the money or had the property financed.

To get more information on your liability for the loan you have co-signed, contact our office for competent bankruptcy advice and to discuss your particular situation.

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Business Bankruptcy?

Is Chapter 7 right for you?
We provide practical advice to help you with a difficult decision. If you have a business that is failing, and you are planning to close it without paying all the debts owed, you should seek counsel from a competent bankruptcy attorney who can help you. You can file for Chapter 7 protection if you are ready to shut down the business and turn over the remaining assets to a trustee, who will then sell them to pay off the business debt.

Don't file a Chapter 11 bankruptcy alone.
If your business is a corporation, and you wish to reorganize the debt owed while keeping the business operating, then your only option under the bankruptcy law is a Chapter 11 filing. Ellen Ray can refer you to an experienced and qualified Chapter 11 attorney.

Taxes & Bankruptcy

Did you know many taxes are dischargeable in a Virginia bankruptcy?
This may mean that you will not have to pay most of what you owe. If you believe that you may be eligible for a partial or complete discharge of tax debt after reviewing the information on this site, give Ellen Ray a call to schedule an appointment. We'll get you to bring in your documents and receive a thorough analysis of your situation.

Which taxes aren't dischargeable in bankruptcy:
Federal personal income taxes that are due for the last three tax years are generally not dischargeable and must be paid in full. But you may be eligible to stop future penalties and interest through a Chapter 13 filing. Real estate taxes are not dischargeable if you are planning to retain the property. However, it can be resolved through a Chapter 13 filing.

Possible dischargeable taxes in bankruptcy?
Federal personal income taxes that are due for years prior to the last three tax years may be dischargeable depending on whether and when you filed the tax returns for these years. Personal property taxes owed to local governments may be dischargeable if it has been more than a year since they came due and if you no longer own the vehicle involved.

A Message from Ellen Ray - Attorney at Law serving Richmond, VA




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