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Late 40s divorced male attended the consult to consider bankruptcy related options to control his overwhelming debt. His primary debt stemmed from a home foreclosure deficiency balance. Another words, when his home was foreclosed on, he owed approximately $100,000 but the property only sold for $60,000 at Sheriff sale. Accordingly, the creditor was pursuing him for the $40,000 difference plus interest and cost. As well, he has a proximally $20,000 in credit card debt and a couple thousand dollars in tax liabilities. Finally he has a car note that he is current on.

Late 30s male with two children who resides in New Orleans, Louisiana came in in order to find out what bankruptcy related options may be available to help him save his 18 Wheeler that he uses as his sole means of income. In addition to the 18 Wheeler he has some federal and state tax liabilities along with several thousand dollars of credit card debt. Because he is behind on his 18 Wheeler, the filing of a chapter 7 would in all likelihood result in the loss of the 18 Wheeler back to the creditor.

Mid 30's mother of one who lives in Metairie, Jefferson Parish Louisiana came in for a bankruptcy consultation after receiving a notice of wage garnishment. She is currently paying on her home and is current on the first mortgage but approximately one year behind on the second mortgage. She has approximately $30,000 of dischargeable unsecured debt (medical bills credit cards etc.) and $5000 of IRS taxes. As well, she has almost $100,000 in student loans. She owns her vehicle outright with a value well above the amount able to protect through the exemption under Louisiana law.

Mid 30s divorced mother of two from Houma, Louisiana came in to discuss bankruptcy options. She and her children live in a home with a single mortgage. She is six months behind on the mortgage and the property is in foreclosure. She does not have any other significant debt. She fell behind on the house note due to being unemployed for approximately 3 months. She is now reemployed and can afford to resume her house note but does not have sufficient funds to bring the note current.