Do You Want to Be Debt Free?
FREE CONSULTATION: Meet an experienced attorney for a free consultation to diagnose your particular needs for controlling and/or eliminating your debt.
HIRE US: Hiring us is the first step on the path to becoming debt free. We will help you each step of the way.
FILE: Once your case is filed, virtually all collection activity against you will stop immediately. You could be completely debt-free in as little as 3 months!
What can bankruptcy do for you?
Bankruptcy is a legal process by which you can deal with your debts when you can no longer pay them. Bankruptcy can lower your monthly payments, stop a repossession or foreclosure and in many cases completely eliminate your debt. Most importantly, it will put an end to the stress and hardship that you have been experiencing over your financial state. Bankruptcy can do the following (and so much more!):
Get all your bills discharged.
Keep all your property.
Get extra time to pay bills.
Stop the nasty calls.
It ruins your credit for years. It removes negative entries and can improve your credit score!
It's hard to apply many are denied. Bankruptcy is available to everyone; filings have increased!
You will loose everything you own. Bankruptcy actually ensures you keep qualified assets!
How can we help?
At Kirkpatrick & Associates, we have experienced bankruptcy lawyers who are ready to help you break free from the overwhelming debt that you may be facing. We will make the process fast and error-free. In fact, bankruptcy is all we do, so you can rest assured that you are working with highly experienced, knowledgeable bankruptcy attorneys. We are committed to helping our clients achieve the financial freedom that they deserve. We have worked with hundreds of people and filed thousands of cases. We know bankruptcy! So if you're having financial concerns and considering bankruptcy we can help you decide if bankruptcy is the right solution for you.
FREE consultations near you!
We understand that you are already having financial troubles, otherwise you wouldn't be investigating bankruptcy. We take the stress and troubles out of the process with our FREE consultations. We're also in a neighborhood near you with offices throughout Louisiana. So give us a call, a caring specialist is standing by ready to help!
Do you want to be debt free?
Imagine your life without debt and the harassing calls of creditors. We have helped thousands of clients break free from over $100 million of debt. People think that if they file for bankruptcy they lose everything. Nothing could be further from the truth. Most of our clients keep everything they own and lose nothing. If you have debt from $10,000 to more than $1,000,000, then you need us . No other law firm is better qualified to bring you the fastest debt relief. Call our offices today and get started on a fresh, new life.
Bankruptcy Is Powerful Medicine!
Bankruptcy is what we do! As such, we've organized the following pages to be your crash-course to learning about bankruptcy. More specifically, we'll look at the top myths about bankruptcy, what bankruptcy can do for you, the differences between Chapter 7 and 13 bankruptcy, how to get the best help and representation if you need bankruptcy and how to get started.
Do any of the following sound good to you?
Get released from debt
Lower monthly payments
Stop the nasty calls
Stop losing sleep worrying about bills
Only one thing is powerful enough to do all of this, and that is the U.S. Federal Bankruptcy Law. Bankruptcy is a government program set up to give you fast relief and immediate results. Other ads promise, but only bankruptcy delivers.
In just 12 months, over 1 million families got help under this program. Why not you?
Click the links below to find out more. Or if you'd just like to speak with a professional, call 504-702-1575 to set up a FREE initial consultation.
Disclaimer: Results vary depending upon your goals, assets, debts, income and expenses.
Frequently Asked Questions
What should I look for in a bankruptcy attorney?
You should find out the experience level of your prospective attorney. Ask how many bankruptcy cases they deal with a year and how long have they have practiced bankruptcy law. Additionally, they should be honest, efficient, and have a great reputation.
What are some of the pre-filing mistakes people make?
Once someone decides to file for bankruptcy, there are several pitfalls they often fall into. Some decide they want to accumulate debt in hopes of having it restructured in bankruptcy. Others ignore their current situation and pay back family and friends or ignore lawsuits filed against them. Others make the mistake of trying to save money and represent themselves in bankruptcy. Some even aren’t completely honest about their financial situation with their lawyer. All are costly mistakes.
Which type of bankruptcy is right for me?
The answer to this question primarily depends on whether or not you would like to keep your home. If you are fine with your home being sold to reconcile your debt with the mortgage company, Chapter 7 is probably the right choice for you. If you would like to remain in your home, then Chapter 13 is your desired filing status.
What are some of the myths of bankruptcy?
There are numerous myths that people believe about bankruptcy. These include the belief that they will never be able to borrow money again; that both spouses in a marriage will have to file for bankruptcy; and that it is difficult to file for bankruptcy. Other people wrongly believe that filing for bankruptcy helps their credit rating or that they can only file for bankruptcy once.
Who qualifies for bankruptcy?
Qualifying for bankruptcy differs from state to state and is complicated to determine. A means test was recently established to determine who is qualified for what type of bankruptcy. Suffice to say, around 70 percent of people who file for bankruptcy qualifies.
What are the types of bankruptcy?
The two types of personal bankruptcy that individuals can file under are Chapter 7 bankruptcy, often called a liquidation plan, and Chapter 13 bankruptcy, often called the debt restructuring plan.
What are the benefits of bankruptcy?
The benefits of filing for bankruptcy are numerous. First of all, bankruptcy restructures your debt, making it more manageable. Bankruptcy also offers peace of mind by eliminating the burden of dealing with creditors and the obligation to pay off debts. Moving forward, filing for bankruptcy helps you get a new start and equips you with useful financial skills.
What are my non-bankruptcy options?
There are a number of options people have to avoid filing for bankruptcy. First, they can sell assets and restructure living expenses. Other options include home equity debt consolidation loans and credit counseling services. Additionally, they can proactively negotiate payment terms with their creditors.
How do I rebuild my credit after bankruptcy?
A bankruptcy legally can stay on your credit report for up to 10 years. The first way to rebuild your credit is by making sure that all accounts are included in bankruptcy and don’t remain open. The primary way to build back your credit score is by attaining and using credit. Sometimes that means applying for secured credit cards, which are usually reserved for people with poor credit, but rebuilding your credit can also include car payments. However, be prepared to pay hefty interest on these loans.
What are some of the warning signs of accumulating debt?
Some of the warning signs that you are accumulating too much debt include a lack of money in savings and paying only minimum payments on credit cards while continuing to make new purchases on those cards. Additionally, if you find yourself making late payments on bills or credit cards, bouncing checks or over-drafting your checking account, you are accumulating too much debt.