A Debt Law Group PLLC

Firm Overview

We limit our practice to Bankruptcy to stay expert and current.

Example cases

• We regularly consolidate many bills often totaling well over $100,000 into whatever payment the client can afford. After typically, three years of payments any balances are forgiven and our clients are typically debt-free.

• Our clients with steady employment typically see their credit score going back up within 12 to 18 months after they file a Debt Adjustment case.

• Our client might instead elect to file a Full Bankruptcy if they qualify and elect Full Bankruptcy.

• We typically begin representing a client with creditors once we have met and have been paid a $200 fee. This typically reduces collection pressure while you prepare and pay for your Debt Adjustment or Full Bankruptcy.

Main Office
Midlothian Office
7825 Midlothian Turnpike
Richmond  VA  23235
  • (434) 227-8091
  • (804) Debt Law
  • (804) 723-5567
  • (804) 308-0051
  • (804) 332-8529
  • (540) 412-1465
  • (571) 762-6497
  • (434) 292-6529
  • (434) 315-0344
  • (804) 520-2428
  • (757) 223-7477
  • (757) 333-7873
  • (804) 658-1142


Free Initial Consultation?
Yes, we do offer a free office consultation after a free attorney phone consultation.
Services Offered For Fixed Fees?
We use an "a-la-carte" fee schedule based on each individual client's situation. We will charge low fees for simple cases and higher fees for complicated cases.
Hourly Rates
Our fees for Debt Adjustment are set by the court and our Full Bankruptcy case fees are approved by the court.

Office Information

Office Hours
Monday through Friday
9:00 a.m. to 5:00 p.m.
Evening hours and Saturdays as scheduled.
Emergency After Hours
Languages Spoken
For Spanish please call (804) 307-5113.

Other Offices

Henrico Office
2800 North Parham Road
Suite 100
Henrico,  VA  23294
Mechanicsville Office
6501 Mechanicsville Turnpike
Suite 106
Mechanicsville,  VA 
Tappahannock Office
Prince and Water Streets
Tappahannock,  VA  22560
Richmond Office
700 East Franklin Street Tower Lobby
Suite 1
Richmond,  VA  23219
Fredericksburg Office
4036 Plank Road
Fredericksburg,  VA  22407
Manassas Office
8317 Centreville Road
Suite 303
Manassas,  VA  20111
Blackstone Office
207-A South Main Street
Blackstone,  VA  23824
Farmville Office
1700 South Main Street
Farmville,  VA  23901
Colonial Heights Office
111 Highland Avenue
Colonial Heights,  VA  23834
Newport News Office
8 San Jose Drive
Suite B-1
Newport News,  VA  23606
Norfolk Office
5900 East Virginia Beach Boulevard
Norfolk,  VA  23502

7825 Midlothian Turnpike
Suite 104
Richmond,  VA  23235

Is your firm willing to help a client with one discrete part of a case, without taking on the whole case?

Again, this is limited by local court practices.

What are your policies about dividing work within the firm to make the process most cost-effective for the client?

We keep our fees very reasonable by using paralegals for support work and attorneys for attorney work.

How frequently does your firm use mediation, arbitration, or collaborative law to resolve cases?

We have had a lot of success with this, particularly with mortgage modifications.

Does your firm provide pro bono legal services or otherwise participate in your community?

We teach in the community to help folks understand what their rights are when they are over-whelmed with debts.

What distinguishes your law firm from others?

We limit our practice to Bankruptcy so we will stay good at what we do. We have neighborhood offices and evening and weekend hours available by appointment as many of our clients have rigid work schedules. We also offer very workable payment plans.

What is your firm's point of view regarding clients educating themselves on legal issues?

We make a great effort to ensure that our clients understand exactly how their case works. We hate surprises and know that our client's share this. We educate or clients to avoid surprises.

Is your firm willing to review documents prepared by clients?

We do this in every case.

Is your firm willing to coach clients who want to represent themselves?

In bankruptcy there is no pro-bono advice on filing forms. If we help with this we become the client's lawyer and must fully represent the client throughout the case.

Richard Oulton

Our lawyers have practiced bankruptcy for many years and have filed a combined number of over 4,000 Virginia Bankruptcy cases.

We keep our fees very reasonable by using paralegals for support work and attorneys for attorney work.

  • Bar Number:
    Virginia , 2008

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