Bernard S. Via III
Bernard S. Via Law Offices
Bankruptcy attorney for debtors in Eastern District of Tn. and Southwest Va. We focus exclusively on chapter 7 bankruptcy and advise on the chapter 13 bankruptcy solutions. We provide an affordable legal solution to peoples most pressing financial problems. We make it easy and affordable to get universal relief from debt. We keep our overhead low to pass on savings to the client.
Lawyers generally cost people too much. We offer an affordable solution to people under financial debt from too many creditors causing them stress. We can get rid of medical/hospital, credit card and car repo debt (and much more), so you do not have to pay them, Some taxes can be discharged in bankruptcy (over 3 years from when the income tax was assessed by IRS).
We may structure your car and house debt so you can continue to keep them and pay for them.
We provide free initial pre bankruptcy consultation to insure this is the best solution for you and your family. We will tell you up front if this is not the best course for you before we charge you a fee. If need we will direct you to a reputable ch. 13 lawyer who will not take advantage of you.
Never draw out 401k retirement money before first talking to us. It can be saved for your retirement and not lost in a fruitless effort to solve financial debt loads.
Located on the border of Va. and Tn. in Bristol. This Practice consist only of consumer or business bankruptcy cases .
WE discourage a client taking a $0 down bankruptcy ; This is a chapter 13 bankruptcy filing that normally fails and causes you to convert to a chapter 7. This can scam clients out of needed funds by charging them for an extra bankruptcy and ch 13 payments (you pay)that go to the attorney fees when they can start with a ch. 7 and get a discharge soon thereafter. Make payments to your attorney first for a ch. 7 bankruptcy, then file. In the long run it will save you a great deal of money/time in most ch 13 cases.
- Bankruptcy
- Chapter 7 Bankruptcy, Debt Relief
- Foreclosure Defense
- Finance Counseling
- Debt Counseling
- Zoom
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Free Consultation
Free initial 30 minute consultation -
Rates, Retainers and Additional Information
WE use a single fee approach to bankruptcy cases that is affected by your income or the complexity of a business case. This is a limited fee for obtaining a ch. 7 discharge for clients in bankruptcy. it does not apply to other limited services within the bankruptcy such as lien avoidance , dischargablity litigation ect. within the bankruptcy filing.
- Tennessee
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- Virginia
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- English: Spoken, Written
- Patrol police officer
- Va. Beach Police Dept
- Current
- Owner
- Bernard S. Via Law Offices
- Current
- University of Richmond School of Law
- J.D. (1981) | Virginia Law
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- Honors: Richmond Univ Law Review 79-81
- Activities: Civil Procedure Book Award
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- Emory & Henry College
- B.A. (1976) | Political Science/History/Economics
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- No one stayed on campus longer or out of boredom read more books.
- Honors: Cum Laude
- Activities: Concert choir, soccer club and Football team
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- Member Law Review staff 1979 and 1980
- Un. of Richmond Law Review
- Virginia State Bar
- Member
- Current
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- Tennessee State Bar
- Member
- Current
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- Bristol Virginia Bar Association
- Member
- Current
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- Bristol Tennessee Bar Association
- Member
- Current
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- Tennessee Trial Lawyers Association
- Member
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- Activities: CLE speaker.
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- Va. TRial Lawyers Assoc.
- member
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- Activities: participate in legislative programs CCLE and listserv actives.
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- American Bankruptcy Institute
- member
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- Activities: magazine participant.
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- Consumer Law Update
- Tn CLE Commision
- Consumer Law, TCLE Consumer law in Johnson City, Holiday Inn Johnson City
- Tn CLE Tn Bar ASsoc
- Gave a 2 hour presentation on Consumer Law developments and Fair Debt Collection Practice rights and responsibilities.
- 2nd degree Black Belt Shito Ryu style over 30 years.
- Bristol Japanese karate Organization
- Q. Guidance on avoiding Chapter 7 bankruptcy dismissal in Virginia due to 707(b)(3) concerns?
- A: TRying to do your bankruptcy on your own is very dangerous. There are so many reasons that you may have incorrectly provided information in your pro se filing. So get an experienced bankruptcy attorney. Pay the fee to get it done right this time. Please never hide assets. You must be able to explain assets the Trustee believes you may have had. You can amend your filings to correct mistakes.
Hiding assets in bankruptcy is really bad. So get experienced help before you make other representations under oath in Federal Bankruptcy court.
- Q. In a single member LLC that is filing chapter 7 bankruptcy. What happens to business credit card balances in that case?
- A: It all depends on your statement and guarantee of the bank credit card. I believe the statement should have both your business name and your name on it a joint debt. If you list the debt in the bankruptcy it comes off your credit as discharged in bankruptcy . If it is only in your business then it applies to your business credit rating especially if your business fails to regularly pay it.
- Q. Can I sue a firmer creditor for a lien on my new house? Chapter 7 was discharged in 2012.I just bought this home in 2019
- A: If a lein is on the real property records because of a prior judgment you cannot get rid of it unless you pay it off or file a Motion to avoid in bankruptcy Court to remove the lien that impairs your exemption. Often the lien does not attach because of Tenancy by entirety protections of a judgment against one spouse and not the other. In those cases we file a simple affidavit explaining how the lien is no good and therefdore no debt after bankruptcy is owed. f a creditor tries to enforce the lien or collect on the discharged debt ,then you can sue for violation of injunction from your discharge. Va. law
