Personal Bankruptcy in the U.S. Virgin Islands
Confident, local guidance for a real fresh start. Learn how Chapter 7 or Chapter 13 can protect income and assets, then choose a plan that fits your life.
Local, VI Licensed
St. Thomas, St. John, St. Croix
25+ Years Experience
Bankruptcy and distressed debt
Confidential Consult
Clear options in one call
Which chapter is right for you
We start with income and expense analysis, debt type review, and asset protection planning. Then we map your options.
Compare your options
Chapter 7
- Best for unsecured debt you cannot repay.
- Typical timeline about four months.
- Keep essentials protected by exemptions.
Chapter 13
- Stop foreclosure and catch up on arrears.
- One monthly payment for three to five years.
- Discharge eligible balances at completion.
Chapter 7, straight discharge
Best for unsecured debt you cannot repay. Most cases finish in about four months. Many clients keep essentials through exemptions. We prepare you for the meeting of creditors and handle all filings, from petition through discharge.
Chapter 13, repayment plan
Ideal if you need to stop foreclosure, catch up on car or mortgage arrears, or consolidate tax or other priority debts. You make one monthly payment to a trustee for three to five years, then the remaining eligible debt is discharged at completion.
Other paths that may apply
Individual Chapter 11 for higher-debt households, Chapter 12 for eligible family farmers and fishermen, and negotiated non-bankruptcy workouts when appropriate. We will explain pros and cons in plain language at your first meeting.
Unsure which route fits your situation? We can help you compare in one conversation.
Free ConsultationWhat filing can do for you
- Stop collections, lawsuits, bank levies, and garnishments.
- Protect homes, vehicles, and wages using the tools available in your chapter.
- Rebuild credit faster than staying in default, with realistic steps and timelines.
What to bring to your consult
Two years of tax returns, six months of pay stubs or income proof, recent bank statements, a list of all debts, and titles or statements for homes and vehicles. If you own a small business, include a simple profit and loss and any leases or loans.
Attorney Profile
Work directly with Robert A. Pohl
- More than two decades guiding clients through bankruptcy, tax, and financial matters.
- Admitted in the Virgin Islands with local knowledge of St. Thomas, St. John, and St. Croix courts.
- Clear plans, plain language, and transparent fees.
Phone: 340-203-3333
Email: [email protected]
Expanded FAQ
Will I lose my house or car if I file?
Both Chapter 7 and Chapter 13 include tools to protect a home or car. We will explain how exemptions and payment plans can work in your case.
Can bankruptcy help with old tax debt?
Some tax debts may be dischargeable if certain conditions are met. Others can be paid through a Chapter 13 plan.
What happens to student loans?
Student loans are generally not discharged, except in limited hardship cases. We can review whether relief may be available.
How long will bankruptcy stay on my credit report, and how soon can I rebuild?
A Chapter 7 typically appears for up to 10 years, a Chapter 13 for up to 7 years. Many clients begin rebuilding credit within the first year.
Do both spouses have to file, or can one spouse file alone?
No. One spouse can file without the other. We will model whether a joint or single filing makes better sense.
Unsure which chapter fits you? Ask for a free, confidential meeting. You will leave with a clear plan and next steps.
Request Your Free Consultation