Follow us

Affordable Richmond Bankruptcy Attorney.

The Agarwal Law Firm understands the encumbrance of your financial situation, which is why we offer convenient and affordable representation. The average price to file Chapter 7 bankruptcy is $1,450.00 and filing Chapter 13 bankruptcy costs $500.00 with additional fees built in.

Call us today to schedule a free consultation with our lead bankruptcy attorney. For your convenience, our office is located at Willow Lawn off Broad Street in Richmond, VA with free parking and easy access to the GRTC bus stop. We can also accommodate evening and weekend appointments upon request.

Our Expertise

We are here to advise you on the best bankruptcy Chapter to file in the Commonwealth of Virginia. Our experienced and knowledgeable Richmond bankruptcy lawyer will advise you of all consequences and procedures before anything is filed with the court - in fact, you must sign off on all actions taken on your behalf. Both Chapter 7 and Chapter 13 costs include Credit Counseling, Debtor Education, Credit Report, Filing Fees and Attorney Fees. If you file with The Agarwal Law Firm, the average Chapter 7 price is $1,450.00 and Chapter 13 costs is $500.00 with additional fees built into the payment plan.

How Bankruptcy Can Help You

Further, we are dedicated to helping stop Garnishments, Foreclosures, Car Repossessions and all other collection activities. We can help you keep your home and vehicles, or have a car returned to you after repossession (if it has not been sold). In many cases, our attorney can give you time to apply for a Loan Modification and Lower Car Payments allowing you to catch up on your house mortgage and car payments over a three to five-year period. We provide services to assist with Student Loan Collections, Taxes and Child Support Payments.

Tax Debt

The inability to pay taxes to the federal or state government.

Credit Card Debt

Consumer debt caused by the excessive use of credit cards.

Student Loans

Managing the payments associated with post-secondary education.


The legal collection of money or property from a defendant.

Loan Modifications

Re-configuring loan payments to help a borrower repay their debt.

Text or Call: 804-691-2655

Contact Us

If you are considering filing for Chapter 7 or Chapter 13 bankruptcy, you may be experiencing creditor harassment or stress related to financial uncertainty. We are ready to step in and provide a clear understanding of the filing process, what to expect and next steps. Get started by contacting us for a free consultation today.

  • This field is for validation purposes and should be left unchanged.

What Our Clients Say

After doing some research and speaking with other attorneys, I made the decision to have Nupa Agarwal represent me. Nupa and her office handled the case with sensitivity, understanding and provided solid advice and direction as to the steps required and set reasonable expectations. Her office has continued to stay in contact as different obstacles and challenges arise to ensure that all things are handled appropriately to guarantee success.

S. H.

Ms. Agarwal was both attentive to my needs, knowledgeable and walked me through every step of the way. The whole experience with her expertise and personal attention put me at ease and everything was completed smoothly and without any delays. I had some issues where I had fallen behind on my post-petition payments on my mortgage, and with her assistance, I was able to recover from that as well. I would highly recommend Ms. Agarwal to anyone who is in need of an excellent bankruptcy attorney. She is absolutely the best.

P. S.

Nupa is very quick to answer any emails, voicemails or any other messages left for her if she's not there. She is very patient and explains everything in a way that the everyday person can understand. We were going to file Chapter 7, but our income was a hair above the limit and we had to regroup and file Chapter 13. Nupa was very helpful in explaining all this and very accommodating to us when we couldn't come in to the office during normal business hours.

R. S.

Lead Attorney, Nupa Agarwal

Our affordable bankruptcy services ensure that you receive the debt relief that you need. From Credit Counseling and Debtor Education to your Credit Report, we promise to handle your case with sensitivity and complete understanding. No matter your current financial situation, we will provide advice and direction that is tailored to benefit you and your family. Please be advised that bankruptcy is a tool to help you get back on your feet. It is not going to cure all your problems, however it can give you some breathing room and time to restructure your finances.

Choosing a Richmond bankruptcy attorney to represent you is a big decision. Luckily, our experienced Chapter 7 and Chapter 13 bankruptcy attorney, Nupa Agarwal, is here for you every step of the way – starting right now! Contact us for a free consultation or learn more about Nupa Agarwal’s 15+ years of experience here.

Learn More