Start by reading the tips below. Then go to Your FREE Consultation Completing Questionnaire 1, 2 and property questionnaires in any order. Let me know you are finished. 757-932-7422

We do not ask for your social security number ever over the internet, so please do not supply anything except the last four numbers. We never ask for your birthdate for bankruptcy under any circumstances. 

Know your counseling requirements 

Counseling Requirements(Rules)   Obtain your pre-filing Counseling Classes 

Read Your Notices and Make your Payment

Complete all Questionnaires


Tip 1: Provide the information demanded by the trustee ON TIME. Please provide it on time so your case can go smoothly for your own sake!

Tip 2: Make the hearing and again - on time WITH everything the trustee asked for (examples: identification, social security card, and your set of forms for reference.

Tip 3: When preparing your list of creditors, for the purpose of this questionnaire, the section that asks for the type of debt please list if it is a credit card, medical debt, personal loan, vehicle, house, student loan, secured by car, secured by house, etc. Please never leave the balance, date incurred, or other information blank. If it is asked for on the questionnaire, it is asked for on the forms. 

Tip 4: The creditor list in a spreadsheet, IN ALL CAPS, or in all lowercase is NOT accepted.  

Tip 5: Pay attention to your mail box! The trustee may need to communicate with you. Your are acting on your own behalf, creditors may need to see documents. 

Tip 6Obtain your post-counseling class AND FILE IT


This website contains information related to law and is NOT LEGAL advice. It contents is for information only. If you need legal advice, please consult an attorney or act as your own. All documents typed are prepared by your assigned preparer at Process My Papers.

Rica J Gilmore,  Realtor®, GRI  144 Shoe Lane, Newport News, VA 23606 1-757-932-7422 VA #0225235314  NC#305512


The Virtual Realty Group, 10776 Harry Byrd Hwy, Berryville, VA 22611. Main office: 8116 Arlington Blvd, Ste 115, Falls Church, VA 22042 Telephone 1-888-407-2410 

The listings data displayed on this medium comes in part from the Central Virginia Regional MLS, (CVR MLS) and has been authorized by participating listing Broker Members of Central Virginia Regional MLS, (CVR MLS) for display. Central Virginia Regional MLS, (CVR MLS)  listings are based upon Data submitted by its Broker Members, and Central Virginia Regional MLS, (CVR MLS) therefore makes no representation or warranty regarding the accuracy of the Data. All users of Central Virginia Regional MLS, (CVR MLS) listings database should confirm the accuracy of the listing information directly with the listing agent.

CVR MLS and/or Rica J. Gilmore and information is protected under federal copyright laws. Federal law prohibits, among other acts, the unauthorized copying or alteration of, or preparation of derivative works from, all or any part of copyrighted materials, including certain complications of Data and information. COPYRIGHT VIOLATORS MAY BE SUBJECT TO SEVERE FINES AND PENALTIES UNDER FEDERAL LAW.

Information Deemed Reliable But Not Guaranteed

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