Todd Eric Ratner, Bankruptcy Attorney in Richmond, Virginia

Todd concentrates on bankruptcy, civil rights, formation, litigation, and securities. Each area below outlines the kind of case Todd handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Civil Rights

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• Formation

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• Litigation

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• Securities

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• Creditor Rights

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Todd's primary office is at 7201 Glen Forest Dr., Ste. 102, Richmond, VA, 23226. 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 Todd usually go, from the moment you request a consult to the day representation begins.

Todd 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 Todd for a bankruptcy case?

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

• Does Todd offer a free consultation?

  Todd charges for the initial consult; that fee is credited toward representation if you retain Todd's office. Some bankruptcy attorneys offer free consults — check Todd'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. Todd gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Todd take my case if I'm outside Richmond?

  Todd 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 — Todd 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 Todd?

  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. Todd will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Todd accepting new bankruptcy clients right now?

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