Harrisonburg Bankruptcy Attorneys

If you’re searching for a trusted bankruptcy lawyer in Harrisonburg, VA, you’ve come to the right place. At Chaplain Dufraine, a full-service bankruptcy law firm serving Harrisonburg and the Shenandoah Valley, we guide individuals and families through Chapter 7 and Chapter 13 filings with clarity, compassion, and direct access to your attorney.

540-444-0123

Trusted Harrisonburg Bankruptcy Law Firm

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.

Local Representation

Based at 1951 Evelyn Byrd Ave E, Harrisonburg, VA 22801, we are proud to serve the greater Shenandoah Valley. From Harrisonburg and Rockingham County to Staunton, Waynesboro, and surrounding communities, our team brings local understanding and expertise you can trust.

Flexible Scheduling

When you work with us, you talk directly with your attorney from day one – not a paralegal … not a call center. Our Harrisonburg-area clients benefit from evening, weekend, and virtual consultations designed around your life’s demands

Decades of Experience

Our team has 20+ years of combined experience before the Bankruptcy Court and U.S. Trustee’s office across the Western District of Virginia. That means we anticipate issues before they arise so you can move forward confidently.

How the Bankruptcy
Process Works in Harrisonburg

We help individuals and families throughout Harrisonburg and Western Virginia find a fresh financial start through Chapter 7 and Chapter 13 bankruptcy. With more than 20 years of combined experience, our Harrisonburg bankruptcy attorneys guide you through each step of the process – clear, supportive, and free of judgment or legal jargon.

Free Consultation

Start with a confidential, no-cost evaluation at our Harrisonburg office or remotely. We’ll walk through your income, debts, assets, and goals to determine if you should file Chapter 7 or Chapter 13 (or pursue an alternate route).

Gather Your Info

We’ll provide a clear checklist of documents: tax returns, pay stubs, asset/vehicle titles, and a detailed debt summary. We do the heavy lifting, making sure your petition is complete and accurate.

File & Find Relief

Once your petition is filed, the automatic stay goes into effect: creditor calls, garnishments and foreclosure actions stop. From there, we guide you through any court hearings and trustee meetings.

Meet Your Roanoke Advocates

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

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

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

Federal courthouse locations in the Western District of Virginia

Serving Harrisonburg & Western Virginia

Our conveniently located Harrisonburg office is well positioned to serve clients throughout the Shenandoah Valley. Whether you are in Harrisonburg, Staunton, Waynesboro, Bridgewater, Dayton, Elkton, or elsewhere in Rockingham or Augusta County, you can expect local representation tailored to your needs and responsive service across Western Virginia.

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.