Bankruptcy / Virginia / Waynesboro

Filing Bankruptcy in Waynesboro: 7 Things You Need to Know

Written by Ben Tejes
Updated Apr 16th, 2024

You are considering filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy in Waynesboro. Bankruptcy is a common debt relief choice. In fact, many people in Virginia have received bankruptcy relief, and Waynesboro is no different. In fact, there were 13,924 bankruptcies filed in Virginia in the year ending June 30, 2021 (Source). With a population of 22630, I’d estimate a fair number of those were in Waynesboro.

The purpose of this article is to provide an extensive list of filing bankruptcy in Waynesboro including:

  1. Chapter 7 Bankruptcy in Waynesboro
  2. Chapter 13 Bankruptcy in Waynesboro
  3. Waynesboro Bankruptcy Attorney Fees
  4. Finding a Reputable Bankruptcy Lawyer in Waynesboro
  5. Estimating Loss of Belonging (i.e.
  6. Getting Bankruptcy Help in Waynesboro
  7. Bankruptcy Alternatives and Conclusion

Without further ado, let’s get started with Chapter 7 bankruptcy.

Chapter 7 Bankruptcy in Waynesboro

Chapter 7 bankruptcy is the most common consumer bankruptcy in the United States. People appreciate the simplicity of Chapter 7 bankruptcy, the cost of the Chapter 7 bankruptcy, and the speed of debt relief. For example, in Waynesboro, you could get debt relief in about 120 days with a Chapter 7 bankruptcy.

One of the challenges of Chapter 7 bankruptcy in Waynesboro is that you have to qualify. In order to qualify in Waynesboro, you often have to pass the Virginia bankruptcy means test. You can estimate that qualification below in Waynesboro. Let’s cover how you can qualify.

Chapter 7 Qualification

The first part of the means test is to understand your income in relation to the median income levels for Virginia. It considers the average family size and income.

To estimate your qualification, you can take the Waynesboro Chapter 7 qualification calculator below that is specific to Waynesboro.

Finally, the most recent Virginia median income levels is for cases filed on or after April 1, 2024, and can be found below. 

# of PeopleAnnual Income

If your income exceeds the median, you can move on to the second part of the means test to estimate qualification. The second part of the means test is to understand your actual expenses. You can check out our guide covering trying to qualify for Chapter 7 bankruptcy above the median.

For example, the average median rent amount in Waynesboro is $821, but let's say your rent is almost double that amount. Could you potentially still qualify for Chapter 7 bankruptcy because of those additional expenses? What you are able to state as ab expense is limited, and you can refer to the current national standard for the maximum amounts, but you may want to speak with your attorney about this situation.

Which Could Would You File In If You Live In Waynesboro?

Waynesboro is located in the Virginia Western district, so our understanding is that you would be filing your bankruptcy in the Harrisonburg bankruptcy court. Here's the estimated information we have for your court:

Harrisonburg Bankruptcy Court
Address: 116 N Main St, Harrisonburg, VA 22802
Phone: (540) 434-8327

Does that mean you would have to drive to court?

Not necessarily. 

Please note that main meeting for a Chapter 7 bankruptcy is the 341 meeting of creditors, which is often online via Zoom or another teleconference after the COVID-19 pandemic. 

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is known as a wage-earner bankruptcy. Chapter 13 bankruptcy is a voluntary reorganization of debt.  In Chapter 13 bankruptcy, the individual has debt that they can no longer manage and often own assets that exceed state and/or federal relief. Folks file Chapter 13 bankruptcy often when they do not qualify for Chapter 7 bankruptcy.  

Most individuals in Waynesboro will qualify for Chapter 13 bankruptcy as long as they are below the debt limits.

Compared to Chapter 7, there is no liquidation in Chapter 13 Bankruptcy. Although, the discharge won’t be until around 3 to 5 years. The Chapter 13 bankruptcy will stay on your credit report for 7 years.

Waynesboro Bankruptcy Attorney Fees

When looking for a bankruptcy attorney, we recommend that you look for these 5 attributes: Rate, Reliability, Referrals, Reviews, and Relevancy. You can check our guide to find a top bankruptcy attorney in Waynesboro.

The estimated Chapter 7 bankruptcy lawyer fee in Waynesboro is: $1000 - $1500.

The estimated Chapter 13 bankruptcy lawyer fee in Waynesboro is: $4750 and $5609. The Chapter 13 attorney fee is often set across the district, meaning that all Chapter 13 bankruptcy attorneys in a district may charge around the same fee.

Waynesboro Bankruptcy Attorneys

One of the most important things to do is to find a reputable bankruptcy attorney in Waynesboro if you decide to hire one. This is legal advice related to finances that are going to affect your future. For example, making sure you are in the right bankruptcy chapter (Chapter 7 vs Chapter 13) could cost you thousands more and take you years longer.

Chapter 7 Bankruptcy Lawyer

As stated above, Waynesboro has a population of 22630. In many cases, individuals in larger cities such as Virginia Beach or Norfolk would like a bankruptcy lawyer close by. In smaller cities, I have found that individuals have questions about whether the bankruptcy will show up in the newspaper or whether friends will hear about it. This is a valid question.

Regardless, you can check the Chapter 7 bankruptcy lawyers in or near Waynesboro using the table below. You just need to input your zip code, and voila, you can choose which Chapter 7 bankruptcy lawyer you would like to speak to near or far away from Waynesboro in a free bankruptcy lawyer consultation

Chapter 13 Bankruptcy Lawyer

Filing a Chapter 13 bankruptcy in Waynesboro may be a bit more intensive, so you may consider a Chapter 13 bankruptcy that is closer to you. That said, with the internet and the pandemic, many of the meetings are now online and you can generally submit your documentation online as well.

How much a Chapter 13 bankruptcy attorney often charges is based on what's called a no-look fee. We do our best to track the Chapter 13 attorney fee in Waynesboro.

Bankruptcy Exemptions in Virginia

As you live in Waynesboro, you are often able to use the Virginia bankruptcy exemptions to help you keep your belongings.

One of the biggest questions people have is whether they are able to keep their homes in bankruptcy. This is where bankruptcy exemptions come into play. As Waynesboro has a home ownership % of 57.7% and an estimated estimated home value of $174700, you can understand that many people want to keep this asset. You can often keep your assets using bankruptcy exemptions.

Here are the Virginia bankruptcy exemptions. The exemptions are revised on different occasions, so you may wish to check the most current information on exemptions. Also, as a reference, Virginia is a place that does not allow you to use federal bankruptcy exemptions. You often have to choose which one to use, so a bankruptcy attorney can help you with that option.

Homestead Exemption

The homestead exemption is often broken down by age and whether you are married. 

  • Single and under 65: $5,000
  • Single is 65 or older: $5,000
  • Married and under 65: $10,000
  • Married is 65 or older: $10,000

Virginia specific homestead bankruptcy exemption text: “Va. Code Ann. § 34-4. Must file homestead declaration before filing for bankruptcy. $5,000 plus $500 per dependent; rents & profits; sale proceeds exempt to $5,000 (husband & wife may double, unused portion of homestead may be applied to any personal property); if 65 or older, exemption is $10,000″ (Source)

Automobile Exemption

The automobile bankruptcy exemption in Virginia is $6,000.

Wildcard Exemption

The wildcard bankruptcy exemption in Virginia is $5,000.

Special Exemption Handling for Virginia

Below is specific special handling of bankruptcy exemptions in Virginia.

Bankruptcy Help in Waynesboro

Unemployment can cause both frustration and angst about options. The most recent statistic I found is that the Waynesboro unemployment rate is 4.7%. There may be resources available to help. In addition to the unemployment rate, Waynesboro has a disability rate of 14.8%. As such, if you are truly in need and don’t have income, there are resources that may be available that can help you.

Check out the legal aid and free resources that may be available in Waynesboro.

Legal Aid and Free Resources

Here are some legal aid resources that may be helpful to you in Waynesboro.

The bankruptcy court and district may have free resources that are available to you. I have included the information below. 

Lastly, Waynesboro also has a limited English rate of 2% and a poverty rate of 16.8%. If you have limited English, you may check out the court websites for Virginia for additional information on how you can be served. You can also see how filing bankruptcy without an attorney can work if you cannot afford a bankruptcy lawyer.

Courts and Districts in Virginia

Eastern District

  • Albert V. Bryan U.S. Courthouse
    401 Courthouse Square
    Alexandria, VA 22314
  • Walter E. Hoffman
    United States Courthouse
    600 Granby Street
    Norfolk, VA 23510
  • Spottswood W. Robinson III and Robert R. Merhige, Jr., Federal Courthouse
    701 East Broad Street
    Richmond, VA 23219
  • United States Courthouse
    2400 West Avenue
    Newport News, VA 23607


  • 180 W. Main Street
    Room 104
    Abingdon, VA 24210
  • 312 Cummings Street
    Suite D
    Abingdon, VA 24210

Debt Settlement in Waynesboro

One of the most common alternatives to bankruptcy is debt settlement. A debt settlement firm would negotiate for a lower amount due on your debt in the case of financial hardship. The goal would be to reduce your debt in half. In this case, you would have a lower monthly payment.

If you are looking at debt settlement in Waynesboro, you may want to consider a national debt settlement firm to a local one in Waynesboro. For example, most of your creditors are probably national banks instead of local Waynesboro banks. As such, you can potentially get lower fees by using a national firm. You should strongly consider the pros and cons and credit score impact before taking the plunge as Ascend only recommends 2 debt settlement firms nationwide that both offer free phone evaluations.


Chapter 7 bankruptcy and Chapter 13 bankruptcy in Waynesboro can provide debt relief. That said, you may want to consider the cost of bankruptcy in Waynesboro, the different bankruptcy chapters, reputable attorneys in Waynesboro and alternatives to help you make the most informed decision. 

You can also take our Chapter 7 vs Chapter calculator below to help you estimate the cost and qualification of Chapter 7 bankruptcy and Chapter 13 bankruptcy in Waynesboro.