Charles Gilbert Havener, Bankruptcy Attorney in Hampton, Virginia

Charles concentrates on bankruptcy, chapter 13, chapter 7, creditor rights, and general. Each area below outlines the kind of case Charles handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Chapter 13

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• Chapter 7

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• Creditor Rights

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• General

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• Real Estate

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Charles's primary office is at 1 Enterprise Parkway, Suite 330, Hampton, VA, 23666. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with Charles usually go, from the moment you request a consult to the day representation begins.

Charles discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire Charles for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Charles walks through the likely range during the consult so there are no surprises.

• Does Charles offer a free consultation?

  Charles charges for the initial consult; that fee is credited toward representation if you retain Charles's office. Some bankruptcy attorneys offer free consults — check Charles's current terms during booking.

• How long do bankruptcy cases in Virginia typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Charles gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Charles take my case if I'm outside Hampton?

  Charles is licensed in Virginia. Matters governed by Virginia law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — Charles will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with Charles?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Charles will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Charles accepting new bankruptcy clients right now?

  Charles's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.