Brand Certified
Stephen E. Dunn, Esq.
4.1(40 reviews)
Certified by Stephen E. Dunn, Esq. • Feb 22, 2026
Business Details
201 Enterprise Dr, Forest, VA
24551-2736, United States
Certified by Stephen E. Dunn, Esq. • Feb 22, 2026
(434) 202-3178
Certified by Stephen E. Dunn, Esq. • Feb 22, 2026
https://www.stephendunn-pllc.com/
Certified by Stephen E. Dunn, Esq. • Feb 22, 2026
About
Certified by Stephen E. Dunn, Esq. • Feb 22, 2026
Bankruptcy AttorneyBusiness Law AttorneyBankruptcy ServiceDebt Law
The right bankruptcy lawyers can make all the difference in your case. With over 35 years of experience, our bankruptcy law office specializes in providing compassionate and caring debt relief services to individuals struggling with financial burdens. We understand the stress and anxiety that come with overwhelming debt, and we're here to offer you a path towards financial freedom. Our commitment to personal and private attention ensures that each client receives tailored legal solutions to address their unique situation. Stephen E. Dunn, Esq specializes in debt relief and settlements, bankruptcy filings, and legal defense in central Virginia. Reach out today to learn more.
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Location
Certified by Stephen E. Dunn, Esq. • Feb 22, 2026
Hours
Certified by Stephen E. Dunn, Esq. • Feb 22, 2026
Reviews
4.1
40 reviews
5 stars
26
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6
- TWTermaine White2 days ago1.0I trusted this office to fully handle my bankruptcy matter. After completion, unresolved issues surfaced. I raised concerns and requested clarification, but no one has contacted me back. Responsiveness and transparency are critical in matters like this, and my experience has been disappointing.
- SGsweat godSep 2, 20195.0Mr Steven Dunn is wonderful along with his staff, especially Shawn and Michelle. The office is friendly and he does exactly what he says he will do on TV. So li you need a good lawyer call Mr. Dunn' office and let them help you get through whatever uou are going through. Thank you
- TSTanya ShorterOct 4, 20185.0Wonderful experience in a horrible situation!
Frequently Asked Questions About Stephen E. Dunn, Esq.
If I file for bankruptcy, can I keep my credit cards?
Generally, when filing for bankruptcy, you are required to surrender all credit cards. However, there may be exceptions in certain cases. It's advisable to consult with a bankruptcy attorney to understand your specific situation and options.
What if I want to pay some of my creditors?
While it's commendable to want to repay certain creditors, bankruptcy law requires equal treatment of all creditors within the same class. Paying specific creditors outside of the bankruptcy process could be viewed as preferential treatment, which is not allowed. It's crucial to discuss any such intentions with your bankruptcy attorney.
How do I choose a bankruptcy attorney?
When selecting a bankruptcy attorney, consider their experience, specialization in bankruptcy law, and reputation. Look for an attorney who is responsive to your questions, explains the process clearly, and makes you feel comfortable. It's also beneficial to seek recommendations and read reviews from previous clients.
What are the disadvantages of filing bankruptcy?
Filing for bankruptcy can have several drawbacks. These may include a negative impact on your credit score, difficulty obtaining credit in the future, potential loss of certain assets, and limitations on filing for bankruptcy again for a specified period. It's important to weigh these disadvantages against the potential benefits before making a decision.
Will bankruptcy remove a lien?
Bankruptcy may not automatically remove all liens. While some liens can be eliminated through the bankruptcy process, others, such as mortgage liens or certain tax liens, may remain. The outcome depends on various factors, including the type of lien and the specific circumstances of your case. Consult with a bankruptcy attorney to understand how liens may be affected in your situation.
What are the major events in the bankruptcy process and when will the bankruptcy be over?
The bankruptcy process involves several key events, including filing the petition, meeting of creditors, potential objections, and ultimately, discharge of debts. The duration can vary depending on the type of bankruptcy and individual circumstances. Chapter 7 bankruptcies typically conclude within 4-6 months, while chapter 13 cases may last 3-5 years. Your attorney can provide a more precise timeline based on your specific case.
What is the next step in bankruptcy after credit counseling?
After completing the required credit counseling, the next step is typically to file your bankruptcy petition with the court. This involves submitting various forms detailing your financial situation, including assets, debts, income, and expenses. Your attorney will guide you through this process and ensure all necessary documentation is properly prepared and filed.
Is the debt discharged in bankruptcy considered income that has to be reported on my income tax return?
Generally, debt discharged through bankruptcy is not considered taxable income and does not need to be reported on your income tax return. However, there are exceptions to this rule, particularly for certain types of canceled debts. It's advisable to consult with a tax professional or your bankruptcy attorney to understand the tax implications specific to your situation.
Can I lose my IRA, 401k, or other retirement account in bankruptcy?
In most cases, retirement accounts such as IRAs and 401(k)s are protected in bankruptcy under federal law. However, there are limits to this protection, and certain types of retirement accounts may have different levels of protection. It's important to disclose all your retirement accounts to your bankruptcy attorney to ensure they are properly protected during the bankruptcy process.
How will a bankruptcy filing affect my future finances?
A bankruptcy filing can have significant impacts on your future finances. It may initially make it more difficult to obtain credit, and when credit is available, it may come with higher interest rates. However, over time, as you rebuild your credit, these effects can diminish. Many individuals are able to recover financially and establish a stronger financial foundation post-bankruptcy.
Can I keep my credit cards if I file for bankruptcy?
Generally, you must surrender all credit cards when filing for bankruptcy, but there may be exceptions. Consult with a bankruptcy attorney for your specific case.
Is it allowed to pay some creditors before filing for bankruptcy?
Bankruptcy law requires equal treatment of all creditors within the same class; paying specific creditors before filing could be seen as preferential treatment and is not allowed. Discuss with your attorney.
How should I choose a bankruptcy attorney?
Choose an attorney with bankruptcy experience, good reputation, responsiveness, and clear communication. Seek recommendations and reviews to find the right fit.
What are some disadvantages of filing for bankruptcy?
Disadvantages include negative credit impact, difficulty obtaining credit later, potential asset loss, and filing limitations. Weigh these against bankruptcy benefits before deciding.
Will bankruptcy remove liens on my property?
Bankruptcy does not automatically remove all liens; some like mortgage or certain tax liens may remain. Consult your attorney to understand which liens may be affected.
What are the key events in the bankruptcy process and how long does it take?
Key events include filing, creditor meetings, objections, and debt discharge. Chapter 7 usually lasts 4-6 months; Chapter 13 can last 3-5 years. Your attorney will provide timelines for your case.
What should I do after completing credit counseling for bankruptcy?
After credit counseling, the next step is filing your bankruptcy petition with the court. Your attorney will assist with this process and required documentation.
Is discharged debt from bankruptcy considered taxable income?
Generally no, but some canceled debts may be exceptions. Consult a tax professional or attorney to understand tax implications for your situation.
Are my retirement accounts like IRA or 401k protected in bankruptcy?
Most retirement accounts are federally protected in bankruptcy, but limits apply. Disclose all accounts to your attorney to ensure proper protection.
How does filing bankruptcy affect my future finances?
Bankruptcy may make obtaining credit harder and more expensive initially, but many people rebuild credit and improve their finances over time.
What nearby financial services can I use in Central Virginia when consulting with Stephen E. Dunn, Esq.?
Nearby mortgage brokers like Daniel Castagna at Nation One Mortgage and financial services such as Andrew Shields at C&F Mortgage Corporation can assist with your financial needs around your legal consultations.
What real estate services are available near Stephen E. Dunn, Esq. in Forest, VA?
You can find real estate agents and services nearby including Central Virginia Settlement Services, Coldwell Banker Commercial Read & Co. Realtors, and various auction houses like TRF Auctions, helpful for property matters.
Are there any wellness or medical services near Stephen E. Dunn, Esq. for clients in Forest, VA?
Yes, nearby options include Blue Ridge Aesthetics Center for spa services, Light Chiropractic for holistic care, and Libbey Family Dentistry for dental needs, providing convenient wellness options for clients.
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