Have you spent tomorrow’s paycheck?

Are you already dividing up how the paycheck you’ll get tomorrow will be spent? Are you trying to figure out how to stretch the money to cover debt payments and then still pay for the food your family needs, the kids’ school supplies, the unexpected car repair?

Is there any money left for other necessities such as utilities and car insurance?

If your paycheck is not enough to pay your bills and meet those basic necessities, then it is time to set up an appointment to consider whether bankruptcy will help you reset your priorities. In bankruptcy we first consider your family’s real needs and then consider debt payments.

Isn’t it time to put your family’s needs first?

Call today for your free consultation.

The Giles & Lambert Difference:

We got this email Monday from a Chapter 7 client and I wanted to share!

“I wanted to thank your team. I was in court today, arrived early as suggested to get an idea of what was to happen. I observed a few cases before mine and was surprised to see how unprepared some people were and their attorneys. I would like to thank you for your hard work and making sure I was prepared to take care of what I needed to do with confidence, I had a great team working in my interest to a better financial future. Thank you, ”

2016 Chapter 7 client headed to discharge!

Make 2016 the Year for Living Debt Free

Happy Friday!
As everyone keeps digging out from the snow, think about your financial future.
Make 2016 the year to take control over debts and get a fresh start. Call us today at 981-9000 to set up your free consultation and find out why Giles & Lambert is the firm to help you!
Our payment plan packages offer comprehensive services, from credit reports to tax transcripts to follow-up credit report monitoring.
Find out how we can get you on the road to living debt free!

Court Delays Monday January 25, 2016

Monday, January 25, 2016 Court Delays:

Chapter 7 341 Hearings in Danville will start at 11:00 a.m. This means all cases are moved back 2 hours. If your hearing was at 9 a.m., it will be at 11:00 a.m. We advise afternoon clients to come approximately 1 to 1.5 hours after their originally scheduled time, as the trustee may catch up some over the normal lunch break.
Anna Crandall is attorney appearing for the firm.

US Bankruptcy Court, Roanoke:
All hearings will start at 11:00 a.m. All 9:30 a.m. hearings will be held at 11:00 a.m.

Office Hours Monday, January 26, 2016:
Blacksburg: Closed
Roanoke: 9 a.m. – 5:30 p.m.
Martinsville: Tentatively 9 a.m. to 5 p.m.

We will be closed on Friday to make Snow Cream!

snow cream Giles & Lambert PC (all locations) will be closed Friday, Jan. 22 due to the weather.

If you are looking to set an appointment, please go to our main website and send us an email! I’ll be monitoring emails and responding and we will be ready to tackle your debt issues starting Monday!

Need some good cheap fun with kids while it is snowing?

Classic Snow Cream
8 Cups (clean) snow
14 oz sweetened condensed milk
1 teaspoon vanilla extract

Chocolate Peanut Butter Snowcream
•1/2 Hershey’s chocolate syrup
•1/4 cup peanut butter
•1/4 cup milk or cream
•1 tsp vanilla
•8 cups clean snow

Chocolate Peppermint Snowcream
•8 cups clean snow
•1 14oz can of sweetened condensed milk
•1/4 cup unsweetened cocoa powder
•1/2 teaspoon peppermint extract

Mix well. Serve quickly! Enjoy!

Stay warm and safe!


Well, the forecast is so bad, the Chapter 7 Trustee has announced all 341 hearings for Friday, January 22, 2016 have been postponed to Monday, February 1, 2016. This is only the 2nd time in 23 years I can recall these hearings being cancelled due to weather!
Your hearing will be at the exact same time, but just on the new date.
Please let us know if you have any questions.

Friday Hearings and the Snow

With a forecast for the region’s first big snow set for this Friday, two common situations occur:

1. My kids (and all those in the Valley) are doing the snow dance non-stop, hoping to get out of school.
2. Clients are calling asking about Court on Friday.

This is the scoop: the 341 Meeting of Creditors (the bankruptcy hearing where you appear before your Trustee) will be held. The government office which is in charge of these hearings has only cancelled them once in 23 years that I can recall.

So, if you can get there safely, do so. If it is not possible, or extremely dangerous based on the road conditions or where you live, let us know. Each client with a hearing on Friday is being emailed my personal contact info. If you cannot make it, call, text or email me so that I know and can make arrangements for a continuance.

Be safe, Be warm. And keep working on being debt free.