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Written by Chesterfield bankruptcy attorney Jeanne Hovenden, this short, plain-English guide answers the questions Virginia families ask most before they ever set foot in a lawyer's office.

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ABOUT THE BOOK

A calm, honest starting point — not a sales pitch

Written personally by attorney Jeanne Hovenden, "Relief is Yours" walks through real client stories — families facing medical debt, business owners blindsided by lawsuits, retirees hit by unexpected bills — to answer the questions people are usually too embarrassed to ask out loud. Each short chapter tackles one worry at a time, in plain language, so you can figure out your next step with a clear head, even if that step isn't hiring us.

WHAT'S INSIDE

16 short chapters, written like answers to a friend

"Is bankruptcy right for me? How will I know?"

A simple gut-check to help you see where you stand — and whether bankruptcy is really the next step.

"Do I really need an attorney, or can I do this myself?"

What DIY filers commonly get wrong, and where a lawyer actually protects you.

"Chapter 7 or Chapter 13 — which is right for me?"

A plain-English look at both paths, and how to tell which one fits your situation.

"Will I lose my house or have to give up my car?"

A candid look at privacy, retirement accounts, and rebuilding your score once it's behind you.

"Will creditors stop calling me?"

How the automatic stay works the moment you file — and what happens if a creditor ignores it.

"Will everyone find out, and what happens to my credit?"

A candid look at privacy, retirement accounts, and rebuilding your score once it's behind you.

Stop harassing creditor calls

Catch up on your mortgage

Halt wage garnishment

Keep your car and home

PREFER TO TALK IT THROUGH?

Skip the reading and get answers today

Every situation is different, and the book can only take you so far. If you'd rather talk to someone directly, we offer a free 30-minute case review — by phone, online, or in person — with no obligation.

Chesterfield Bankruptcy Law

3601 W. Hundred Road, Unit 2
Chesterfield, Virginia 23831

804-706-1355