Mid 40s single female who resides in Chalmette Louisiana, St. Bernard P came in to the office for a bankruptcy consultation after receiving a lawsuit for $16,000. She does not own any real estate but does on a vehicle with a car note of approximately $11,000. In addition, she owes several thousand dollars of general unsecured debt (credit cards and medical bills and IRS obligations of approximately $6000 along with Louisiana tax obligations of $1000. She has filed a chapter 7 bankruptcy within the last eight years which precludes the filing of another chapter 7 bankruptcy at this time. Plan of action is to file a Chapter 13 Bankruptcy through which we will stop the pending litigation, restructure the car loan, pay off the federal and state taxes and pay the unsecured debt back at pennies on the dollar at zero interest. While she is in the Chapter 13 Bankruptcy, she is protected under federal law from any harassing activities of her creditors. Further, she will simply make her Chapter 13 Bankruptcy plan payment to the United States chapter 13 trustee who will in turn disperse the money to the appropriate creditors. One payment per month will bring everything back under control for her.
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.