Helping You Find A New Way Forward


Helping You Find A New Way Forward


Helping You Find A New Way Forward


Virginia Bankruptcy Attorneys

At Cox Law Group PLLC, our experienced and dedicated bankruptcy attorney Lynchburg VA are committed to helping you get back on your feet. We are one of Virginia’s leading bankruptcy law firms and are recognized throughout the state for our excellence and expertise in bankruptcy law. We are proud to be a debt relief agency, and we help individuals and families get relief from debt under the Bankruptcy Code.
Our attorneys understand how challenging it can be to feel overwhelmed with debt and the stress it can cause for you and your family. That is why we offer a free initial consultation to discuss your unique financial situation. Having an experienced and compassionate bankruptcy lawyer on your side can make the difference in regaining control over your debt. You can rely on our attorney’s decades of knowledge and experience to help you find the right solution for your situation.

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We Strive To Attain the Best Possible Outcome

When clients come to us exploring their debt relief options, we strive to make their experience as comfortable as possible. We guide them through the process of gathering information and researching their financial options to help them make an informed decision.

Help to Eliminate Debt

We are dedicated to helping our clients find the right debt relief solution.

stop to creditor harassment

When you hire our firm, we will handle all communication with your creditors.

Help End Wage Garishment

Filing a bankruptcy petition immediately stops creditor calls and collection efforts.

Help Fight Against a foreclosure

We can help you keep your home and stop foreclosure proceedings.


Meet Our Lawyers


David Cox


Lynchburg Bankruptcy Lawyer Janice Hansen

Janice Hansen


Lynchburg Bankruptcy Lawyer Heidi Shafer

Heidi Shafer


Lynchburg Bankruptcy Lawyer Dave Wright

David Wright


Is Bankruptcy Right For You?

Recent Articles

Featured News and Blogs

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May 20, 2017

HOA Dues in Chapter 13

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Jan 4, 2020

Requirements to File Chapter 7

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nov 21, 2019

Lynchburg Bankruptcy

Firm News

At its annual meeting in November, 2022, the National Bankruptcy Conference (NBC) announced the election of David Cox among this year’s incoming class of three bankruptcy professionals from across the country to membership as Conferees. The NBC is a non-profit, non-partisan, self-supporting organization of approximately sixty lawyers, law professors and bankruptcy judges whose primary purpose is to advise Congress on the operation of bankruptcy and related laws and any proposed changes to those laws. The NBC was formed in the 1930’s at the request of Congress to assist in the drafting of major Depression-era bankruptcy law amendments, ultimately resulting in the Chandler Act of 1938. The NBC has been a resource to Congress on every significant piece of bankruptcy legislation since that time.  More information on the NBC may be found here:

Frequently Asked Bankruptcy Questions

One of the reasons that we offer a free initial consultation at Cox Law Group PLLC is that many clients come into our initial meeting unsure of what to expect or how the process works. Many times, they have heard misinformation or are unsure if filing for bankruptcy can remedy their current financial challenges. Listed below are some of the most frequent questions we receive: 

how does bankruptcy work?

The primary purpose of bankruptcy law is to provide a debtor with a “fresh start” through which some debts can be paid, restructured or discharged. While considering bankruptcy, it’s natural for many new clients to feel anxious about what’s involved in the process of filing a case. Most debtors are looking for relief from their current financial stresses while also concerned about keeping their property. At the initial case review our attorneys will analyze each client’s unique financial situation to determine the applicable use of the bankruptcy code to get the debt relief they desire while trying to preserve their assets.

do i qualify for bankruptcy?

Almost anyone is eligible to file for bankruptcy under the Bankruptcy Code. Figuring out what type of bankruptcy a debtor qualifies for is determined by several factors. The most common type of consumer bankruptcy filing is Chapter 7. If your income is less than the median, or average, income for a comparable household in Virginia, you are eligible to file for Chapter 7. For those whose income exceeds the state’s median income, you may still be able to qualify for Chapter 7 through additional qualifying criteria called the “means test”, which involves an in-depth analysis of your income and reasonable monthly expenses. However, if you are unable to pass the “means test” and your income is greater than the average income in Virginia, you may qualify for Chapter 13 bankruptcy. Our attorneys will analyze your unique situation, and help you find the best solution that provides financial freedom for you and your family.

How Long Does it take to file bankruptcy?

We understand that having financial stress and worry is a difficult time, so we do everything we can to make the process as fast and comfortable as possible. In a typical Chapter 7 case, a debtor will typically receive an order of discharge within 3-4 months from the filing date. In a Chapter 13 case, payments are usually made over a five-year period (60 months) before a debtor will receive an order discharging him from his debts, although some plans are completed in as little as three years (36 months). There are some instances where the timeframe forcompleting a bankruptcy case will be longer in complex filings.

what happens after bankruptcy

Our attorneys have successfully helped thousands of clients throughout Virginia receive a discharge of their debt under the bankruptcy code. The overwhelming feeling from most clients is a sense of great relief. They are excited about their fresh start and the new financial future that is ahead of them. After completing the bankruptcy process clients can take control of their finances, make good financial decisions, and try to avoid any of the circumstances that caused their financial hardships.

Contact Us

We offer a free, confidential consultation at any of our 5 office locations throughout Central Virginia, and are also available by video conference via FaceTime, Skype or GoToMeeting. When you call our firm, your initial consultation with us is free, so you have nothing to lose by taking the first step today.

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122 South Market St. Danville VA 24541 (434) 791-4711


100 S Mason St. Harrisonburg, VA 22801 (540) 689-0904


900 Lakeside Drive, Lynchburg, VA 24501 (434) 845-2600


119 South Augusta St. Staunton, VA 24401 (540) 294-4562


609 Cedar Creek Grade Winchester,  VA 22601    (540) 931-0913

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Top Lawyers 2020 of Greater Lynchburg VA Cox Law Group PLLC
Super Lawyers David Cox

Cox Law Group PLLC

Cox Law Group is proud to be a Debt Relief Agency. We help individuals and families get relief from debt under the Bankruptcy Code.


The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney with our firm for individual advice regarding your own situation. Cox Law Group encourages you to contact the Firm via e-mail or otherwise. The use of the Internet or voicemail for communications with the Firm will not establish an attorney-client relationship and messages containing confidential or time-sensitive information should not be sent until you and we agree that there is an attorney-client relationship between us. Until such a relationship exists, we will assume that any information you send us is not time-sensitive or confidential.