Author Archives: giles

Use your tax refund for a fresh start in 2019!

Are you looking at your tax refund and trying to figure out if it will help you catch up on debt?  If you are just catching up and not able to pay off debt entirely, you should consider if that refund could best be used to file bankruptcy and eliminate debt once and for all. 

Every day we see folks in Southwest Virginia struggling with debt.  This keeps families from enjoying their lives together, because they are so consumed with financial worries.  It makes parents fussy and kids stressed. If you are struggling with debt, our bankruptcy attorneys help good folks in Southwest Virginia eliminate their debt and begin living lives without financial stress.

If you are worried about your financial situation, the current tax season is a perfect time to consider your bankruptcy options.  Debtors are able to pay their bankruptcy attorney fees and filing fee with their tax refunds before their cases are filed.  Your 2018 tax refund could wipe out your debt, so you can have a happier 2019 with your family.

We offer free consultations in our Roanoke, Blacksburg and Martinsville offices where our attorneys (not a paralegal) meet with you personally to discuss your bankruptcy options for your personal situation.  A Chapter 7 bankruptcy allows debtors to wipe out their credit card debt, medical debt, repossessions, garnishments, foreclosures, and collection judgments.  If a debtor wishes to walk away from a car loan or mortgage, they can do so with a Chapter 7.  A Chapter 13 allows debtors to catch-up on their past due mortgage or car loan payments over the course of either 3 – 5 years.  Our experienced bankruptcy attorneys will let you know which chapter is available to you and best for your situation.

If you are unable to pay off all your unsecured debt with your 2018 tax refund, you should consider your bankruptcy options and learn how you can live debt free in 2019.  Use your tax refund to eliminate your debt and stress and start fresh.

We have offices conveniently located in Roanoke, Martinsville, and Blacksburg. Call and schedule your consultation with us today!

Roanoke: 540-981-9000
Blacksburg: 540-961-2000
Martinsville: 276-632-7000

Owe Tax Debt and Worried?

Have you learned you will owe taxes for 2018 and you are unprepared to pay them back? Or maybe you owe LOTS of taxes for LOTS of tax years. Maybe you have learned that you are facing a tax lien or garnishment.

If any of these situations sound familiar, please call us at Giles & Lambert, P.C. for a free bankruptcy consultation. Either Chapter 7 or Chapter 13 bankruptcy may provide you options to deal with your tax debt, even if it turns out the debt is non-dischargeable in bankruptcy (another blog post to follow on this later). Bankruptcy can stop future interest and penalties and let you pay back the IRS on your terms and based on your budget. We, at Giles & Lambert, P.C., are not tax attorneys and do not provide tax advice. We are, however, experienced in tax debt relief through bankruptcy and are prepared to discuss your bankruptcy-related tax relief options.

We have offices conveniently located in Roanoke, Martinsville, and Blacksburg. Call and schedule your consultation with us today!

Roanoke: 540-981-9000
Blacksburg: 540-961-2000
Martinsville: 276-632-7000

Living on a tight budget doesn’t mean sitting at home!

When you are on a tight budget, entertainment can be expensive.  Below are two FREE events we came across that are happening in the Roanoke/Blacksburg areas in the next week.

Roanoke Folks – Do you enjoy yoga or have an interest in giving it a try?
See below for information regarding FREE winter and summer yoga classes.—tues-fri-mornings/event_252f736a-0ea2-11e9-b15e-87013041f685.html

What’s better than chocolate? A free-admission event for you AND the kiddos celebrating – you guessed it – CHOCOLATE!
Information on the 2019 Blacksburg Chocolate Party is included below.  Yum!

Struggling to Pay Your Student Loans? Read this.

It’s true: Most student loan debt cannot be discharged in bankruptcy.  That does not mean that bankruptcy cannot help you if you’re struggling to repay student loans.

In our office, we often see folks struggling to pay their student loans because of other debt (like credit cards or medical bills), because they were out of work for a bit and are also working to catch up mortgage payments, or simply because their student loan payments are too high.

In many cases, we can use bankruptcy to wipe out as much debt as we can, allowing you to focus on paying your student loans or, in some cases, even manage the amount of your monthly student loan payments.

Would you like to explore whether a bankruptcy might help you manage your student loan repayment?  We would be happy to meet with you to discuss your individual case.

Call today to set up your free consultation!

Roanoke: 540-981-9000

Blacksburg: 540-961-2000

Martinsville:  276-632-7000

Why Bankruptcy and not Debt Consolidation or Debt Settlement?

Did you know that debt consolidation and debt settlement programs generally appear the same on your credit report as a bankruptcy?   It is very tempting to sign up for a debt consolidation or debt settlement program over the phone or internet to avoid having to meet with an attorney or file a bankruptcy.  We get that and understand the fear and often, embarrassment, of coming to see us. There is no judgment in this office. Our goal daily is to help folks in SW Virginia recover from debt.

In evaluating whether to consider bankruptcy or a voluntarily program, you need to understand that creditors don’t have to participate in the consolidation/settlement program you choose over the internet. We see folks almost every day who have tried debt consolidation/settlement programs, but one or two creditors continue to collect and eventually sue them.  These folks have wasted thousands of dollars on a program, and are then still having to file bankruptcy.  Our laws provide a SAFE, LEGAL option to 100% stop collections with the filing of a bankruptcy.  In a bankruptcy, the creditor cannot “opt out” just because it wants to do so.  A law called the automatic stay means creditors legally MUST cease collections or they will be sanctioned by the court. Did you know that a number of historical figures such as Abraham Lincoln, Ulysses Grant, and Thomas Jefferson filed bankruptcy?  Our founding fathers knew that Americans sometimes need a second chance and made certain to pass laws to provide that.

There are folks for whom a debt consolidation or settlement may be best, but please evaluate your options (including a consultation with us for bankruptcy) to make sure you are getting the clear facts on the benefits and risks of the different options. If bankruptcy is not best for you, we will absolutely advise you of that.

Call today to set up your free consultation!

Roanoke: 540-981-9000

Blacksburg: 540-961-2000

Martinsville:  276-632-7000

Giles & Lambert Wins School Bus Race at Demolition Derby!

Bus and Flag Final Stretch Giles & Lambert and Friends and Family Heading for Win Rocket Car Trophy Award

The staff of Giles & Lambert had a great Saturday night with friends and family at the Motor Mile Speedway in Pulaski County!  Our school bus actually won the school bus race, after starting from dead last!

From rocket cars to the man on fire to the demolition derby, everyone had a great time.

On Saturday, cars and school buses were destroyed.

This week, come see us to destroy your debt!




Giles & Lambert is sponsoring the School Bus Race and Demolition Derby.

Come on out for some inexpensive fun and imagine your creditor’s names on the buses being destroyed!  Doors open at 5:30 p.m. and show starts at 7:00 p.m. See attached link for pricing and tickets:

TONIGHT – Tour of Destruction featuring school buses and lots of other events!

NEXT WEEK – Destroy your debt by contacting Giles & Lambert PC!


TAX FREE WEEKEND – School Supplies

Today starts Virginia’s 3-day sales tax holiday when you can buy school supplies, school clothing and emergency preparedness products tax free.  Remember, not everything qualifies and you need to  pay attention to the cost of each item to verify it qualifies. (Honestly, it does not all make sense to me! You can buy some wedding apparel tax free.  How is that a school supply?) But, some savings is better than none!

You can find a link for the qualifying items here:

Please remember, just because there is a sale does not mean you need to spend money you do not have. Remember to only purchase what is essential.  And, if you are financially strapped, remember to check out your school system and see if they have free supplies available.

Roanoke City Schools has a Back-to-School Extravaganza where the school system provides free basic supplies yearly. This year’s event is Saturday, August 18, 2018 at William Fleming High School from 9 a.m. to noon.  The link for bus routes and more information is here:

You should check your individual school system for options, as well as organizations in your geographical region.  In  Roanoke the Rescue Mission offers a “Back 2 School Blast” on August 11 for free supplies, sports physicals, immunizations and new shoes for families in need.  It looks like the registration date has passed for this year, but this is a yearly event.

In the New River Valley, family needing assistance should contact the United Way of Montgomery, Radford and Floyd at 540- 381-2066 or by email at

There are a lot of folks helping folks out there so all the kids can start the school with the supplies they need.

Garber is Employee of Week!

Giles & Lambert, PC announces Beth Garber is the Employee of Week!

Look at the nice testimonial a former client sent on Thursday:

I wanted to let you know that Beth Garber was excellent to work with! She responded promptly and was very helpful to me. It is very rare to receive such excellent customer service and I just wanted you to know that you have a great staff member! Thanks for all of your help!

–  2008 Chapter 7 Client who needed follow-up assistance

Giles named Best Lawyers’ 2017 Roanoke Bankruptcy “Lawyer of the Year”

Best Lawyers logo

Giles & Lambert, P.C., is proud to announce that Malissa Lambert Giles was named Best Lawyers’ 2017 Roanoke Bankruptcy and Creditor Debtor Rights / Insolvency and Reorganization Law “Lawyer of the Year”.  Only a single lawyer in each practice in each community is honored as the “Lawyer of the Year.”  This is the second time Giles has received the Lawyer of the Year award.