Carlton Legal Services, PLC is a bankruptcy law firm that has been in business since 1992. The firm is located in Virginia with offices in Staunton and Harrisonburg. It handles both Chapter 7 and Chapter 13 bankruptcies, unlike many other firms and lawyers that only handle Chapter 7. While those firms believe that only handling a single type of bankruptcy will allow them to do so more efficiently, more cost effectively, or leave more time to handle other matters, Carlton believes in specializing in all types of bankruptcy in order to help people get a fresh start in the best way possible for them.
Carlton realizes that each situation is unique and that people got into debt in different ways. Someone with moderate income and primarily consumer debt may be best served by Chapter 13 bankruptcy. Chapter 13 allows the creation of a repayment agreement with the creditors to lower the monthly payment while avoiding collection action. On the other hand, someone needing a fresh start may be better served by Chapter 7, which is a liquidation of all assets beyond personal necessities in order to pay off the debt.
Carlton understands that bankruptcy is not always caused by irresponsible spending, but often happens because of uncontrollable life events. This is why they will never judge any client, but only seek to help them use bankruptcy law to their maximum advantage. No matter what the situation, all potential clients are welcome to contact the firm.
Because every situation is different, the firm is not able to provide an estimate of their fees over the phone. Instead, they invite all potential clients to come to their office for a free half hour conference at no charge. During this no obligation consultation, the attorney will be able to get a better understanding of the debtor’s situation and discuss the possible options with them. At the conclusion of this meeting, the attorney will be able to provide a cost estimate to the potential client. If the client chooses to retain the first, it requires only a one hundred dollar down payment and offers flexible payment arrangements for the remaining fees.