Bankruptcy Relief with Compassion and Clarity

At Chaplain Dufraine, we help people across Western Virginia get a fresh start through bankruptcy with clear answers, honest advice, and direct access to real attorneys.

540-444-0123

Why Choose Chaplain Dufraine?

Debt can feel scary, but getting help shouldn't be. Whether you're behind on bills, facing foreclosure, or just tired of the calls, we're here to walk you through it, step-by-step. No judgment. No legal jargon. Just straight answers and real support.

Direct Attorney Access

When you call, you'll speak with us, your actual attorneys who know your case inside and out, from first meeting to final discharge.

Flexible Scheduling

Evening, weekend, and virtual appointments make it easy to get legal help without missing work or family obligations.

20+ years of federal and court experience

Deep knowledge of Chapter 7 and Chapter 13 bankruptcy, Virginia exemption laws, and stopping foreclosure or garnishment.

How it works

We help individuals and families in Western Virginia find a fresh financial start. With over 20 years of combined experience, our attorneys guide you through every step — judgment-free and jargon-free.

Free Consultation

We’ll listen to your situation, explain the relief available under federal bankruptcy law and Virginia state law, and help you choose the best path forward.

Gather Your Info

We’ll give you a simple checklist of documents concerning your financial situation so you know exactly what to provide.

File & Find Relief

Once we file your case, an automatic stay takes effect stopping most collection calls, lawsuits, wage garnishments, and foreclosures right away.

Meet Your Advocates

Two Virginia bankruptcy attorneys, one mission: helping you stop creditor collection activity and find a path to financial recovery with compassion and expertise.

Amanda Dufraine

A Roanoke mom, animal lover, and former federal bankruptcy clerk who helps Virginia families keep their homes, protect what matters, and rebuild their lives.

More About Amanda

Caleb Chaplain

A Harrisonburg community volunteer and former bankruptcy law clerk with the expertise to guide clients through their cases with clear answers and steady reassurance.

More About Caleb

Federal courthouse locations in the Western District of Virginia

Serving Western Virginia

With offices conveniently located in Roanoke and Harrisonburg, we are able to assist clients across the Western District of Virginia both in-person and virtually. With in-depth knowledge of bankruptcy law and familiarity of local rules and procedures, we help clients throughout Western Virginia with debt solutions. Whether you're looking to stop foreclosure, protect your paycheck, or need relief from burdensome credit card or medical debt, we're here to help.

Frequently Asked Questions

What's the difference between Chapter 7 and Chapter 13?

Chapter 7 is a simpler process that enables individuals to erase most debts in as little as a few months. Chapter 13 involves a repayment plan funded by an individual’s disposable income to repay some portion of their debts. In exchange, individuals in Chapter 13 may keep their property (like their home and cars) while catching up on any missed payments on that property.

Will I lose everything if I file bankruptcy?

No, but competent representation by an attorney advising you of your options is key. Generally, state exemption laws help protect your home, vehicle, and personal belongings. If exemption laws will not fully cover the property you wish to retain in a Chapter 7 case, the filing of a Chapter 13 case can preserve your assets while you work toward a “fresh start.”

How fast will the calls and letters stop?

Immediately. Once we file your petition, the Bankruptcy Code’s “automatic stay” stops most collection activity, including foreclosures, repossessions, and wage garnishments.

Let's Talk About Your Options

Every situation is different. We'll listen, explain your choices, and help you take the first step toward financial relief, on your schedule.