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
- - Current
- 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. Can I file bankruptcy in Colorado?
- A: Your residency is more where you intend to reside as where you actually spend time. There is a legal footprint of your residency. Where you vote, where you keep most of your assets, what you give out as your address, driver's license, car registrations. I think you confuse the issue of where you file as opposed to what state exemptions you are under. Most states have opted out of Federal exemption and have their own set of exemptions. If you change your residence to Colorado, you will/may be under Federal exemptions until 2 years in State. (Va. and Tn. lawyer but not a Co or NM lawyer.)
- Q. How will prior year taxes in repayment affect my spouse's naturalization interview outcome?
- A: 11USC525 a says "a governmental unit may not deny, revoke, suspend, or refuse to renew a license, permit, charter, franchise, or other similar grant to, condition such a grant to, discriminate with respect to such a grant against, deny employment to, terminate the employment of, or discriminate with respect to employment against, a person that is or has been a debtor under this title or a bankrupt or a debtor under the Bankruptcy Act, or another person with whom such bankrupt or debtor has been associated, solely because such bankrupt or debtor is or has been a debtor under this title or a bankrupt or debtor under the Bankruptcy Act, has been insolvent before the commencement of the case ... Read More
- Q. I have unsecured debt (CC) and a secured debt (auto) with same lender. May I reaffirm the secured, dismiss unsecured?
- A: I agree that cross collateralization muddies the issue. Yes you can reaffirm the secured debt but may find the value of the car makes some of the unsecured debt secured which may have reaffirm a small portion that now is secured by a value greater than the secured car loan to the value of the car. Read your car contract for the magic collateral security language. Better yet have your lawyer look for it.
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