All About Chapter 7 And Chapter 13 Bankruptcy
Is filing for bankruptcy right for me? What are Chapter 7 and Chapter 13 Bankruptcy Law? What happens when you meet with us? These and more questions we will be happy to answer.
The office of R. L. Landreneau, Jr. Attorney-at-Law offers a free 30-minute initial consultation. At your initial consultation, we will discuss Chapter 7 and 13 issues and whether or not you really need to file bankruptcy. We will make recommendations based on your need. We are also very open and disclose to our clients our honest opinions on your particular matter; therefore, if you don’t need to file for bankruptcy, we will tell you. Bankruptcy is not for everyone, but we are here to help you if you need to file for bankruptcy.
Chapter 7: Debt Elimination
This can be defined as total bankruptcy. It will eliminate all your debt. In most cases you can keep your home and your car, as long as you are current in your payments.
Chapter 7 will stop wage garnishments, as well as those harassing phone calls from your creditors.
Chapter 13: Reorganization Plans
Chapter 13 consolidates your debt. Your house payments and car note will be made current. It will allow you to pay back your bills. There will be no interest, thereby allowing you to pay your debt in a five year period. You only pay the principal.
Chapter 13 will stop wage garnishments, repossessions, home mortgage foreclosures, harassing phone calls from your creditors and IRS penalties.
Filing for bankruptcy helps you to do the following:
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R. L. Landreneau, Jr. Attorney-at-Law
2920 Kingman St., Suite 208 Metairie, LA 70006
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