Early 30s single female with one child, who lives in Westwego, Louisiana, was being garnished by a credit card judgment creditor. She owns a $7000 vehicle that we will be able to protect by utilizing the appropriate Louisiana exemptions from seizure. In addition to the $10,000 owed to the judgment creditor, she is approximately 10,000 more to other general unsecured creditors consisting of credit cards, medical bills and unsecured loans. When she came in for her free consultation, 25% of her take-home pay was being garnished by the credit card judgment creditor. Through the filing of either a chapter 7 or chapter 13 bankruptcy, we will be able to stop the garnishment and protect her future paycheck. Many people incorrectly think that once the garnishment has started, it cannot be stopped through the filing of a bankruptcy. Through the filing of a chapter 7 bankruptcy, in this case, we will be able to protect her future paychecks immediately. As well, we were also able to protect her vehicle, clothing and all household furnishings.
The attorneys and lawyers at the bankruptcy law firm of Kirkpatrick and Associates have helped good people through bad times in Southeast Louisiana since 1999. The parishes we serve are Orleans, Jefferson, Assumption, Lafourche, Plaquemines, St. Bernard, St. Charles, St. James, St. John the Baptist, St. Tammany, Tangipahoa, Terrebonne and Washington. So whether you live in New Orleans, Metairie, Gretna, Avondale, Chalmette, Belle Chasse, Slidell, Covington, Mandeville, LaPlace, Houma, Thibodaux, Luling, Ponchatoula, Hammond, Amite, Kentwood, Franklinton or Bogalusa, our bankruptcy lawyers and attorneys are here to help.