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Advice Lafayette Bankruptcy Attorney
Posted on 10/23/12 at 10:57 am
Posted on 10/23/12 at 10:57 am
Need some recommendations on a good Bankruptcy Attorney in Lafayette. My wife has not worked in over a year because of medical issues and it looks like she will be out another 6-8 months. We have drained our savings and need to consider all my options.
TIA
TIA
5
Posted on 10/23/12 at 11:29 am to ThatsAFactJack
Honestly, you don't really need a "good" bankruptcy attorney. If you are filing a petition under either Chapter 7 or Chapter 13, the attorney really only does the standard forms. After that, the trustee handles everything.
Almost any bankruptcy attorney these days can tell you within seconds whether you can afford a 13 or need to liquidate under 7.
Almost any bankruptcy attorney these days can tell you within seconds whether you can afford a 13 or need to liquidate under 7.
Posted on 10/23/12 at 12:45 pm to FalseProphet
quote:
FalseProphet
What is the difference between 13 or 7? This is why I want a good attorney, to explain to me like a 5 year old what the difference is and the ramifications. There are long term consequences with this and I need to make a smart informed decision. What are the typical costs with both bankruptcies?
TIA
Posted on 10/23/12 at 1:00 pm to ThatsAFactJack
in LA, to qualify for ch. 7 your income I believe needs to be below $77k or something close to that, what they do is average out your income for the last 6 months.
avoid ch. 13, with ch. 13 you'll be on a repayment plan with the trustee.
ch. 7 wipes out your debt., if you need a good atty here in baton rouge, let me know, i can refer someone to you,
avoid ch. 13, with ch. 13 you'll be on a repayment plan with the trustee.
ch. 7 wipes out your debt., if you need a good atty here in baton rouge, let me know, i can refer someone to you,
Posted on 10/23/12 at 1:32 pm to lsu tigerdog
quote:
lsu tigerdog
Im not an OT baller so my income is under 77k, and with Ch 7, would i be able to keep my house and vehicles? Both vehicles are in my name and house is in my name.
This post was edited on 10/23/12 at 1:33 pm
Posted on 10/23/12 at 1:50 pm to ThatsAFactJack
you can reaffirm your debt to the home and car, you'll sign a reaffirmation agreement, basically stating you agree to keep the home and auto, but continue to pay the monthly payments even if you file bankruptcy
Posted on 10/23/12 at 1:54 pm to ThatsAFactJack
my advice if you do decide to file, make sure you order your self a credit from all 3 credit bureaus from you and your wife. make sure you have all your debts accounted for, open debts to collection debts, make sure the balances are correct, who the correct creditor/collection company is with the correct acct number, dont use acct number from credit bureau, sometimes they are scrambled for security reasons.
Posted on 10/23/12 at 2:19 pm to lsu tigerdog
quote:
Posted byMessage
lsu tigerdog
I have a very detailed excel spreadsheet with all my debts, acct numbers, beginning balance, current balance, etc. I am a very detailed person and have always monitored my credit. I am in a bind because of my wife's significant health issues the last 18 months. So basically I can keep my house and car if I sign a reaffirmation and clear myself of all other bad debt? What does a ch 7 cost? In all honesty I'd rather not have to discharge most of my debt because I owe it, but at this point I'm looking at losing my house etc if I don't do anything.
Any recommendation on a Lafayette attorney to speak with?
TIA
Posted on 10/23/12 at 4:50 pm to ThatsAFactJack
Try
Elizabeth G. Andrus @ Andrus Law Firm
(337) 981-3858
345 Doucet Rd, #233
Lafayette, LA 70503
I know nothing about her other than she does Bankruptcy
Elizabeth G. Andrus @ Andrus Law Firm
(337) 981-3858
345 Doucet Rd, #233
Lafayette, LA 70503
I know nothing about her other than she does Bankruptcy
Posted on 10/23/12 at 8:39 pm to ThatsAFactJack
John Weinstein - one of the best around.
Great guy to have on your side & former All-SEC DT for LSU.
Great guy to have on your side & former All-SEC DT for LSU.
Posted on 10/23/12 at 8:56 pm to ThatsAFactJack
quote:
In all honesty I'd rather not have to discharge most of my debt because I owe it, but at this point I'm looking at losing my house etc if I don't do anything.
It does suck, but your attitude on here seems to tell me you aren't just racking up debt, filing ch 7 every 7 years.
A cheap Ch7 runs about 1k. Depending on the complexity, it may cost more. Good luck.
Posted on 10/23/12 at 9:16 pm to ThatsAFactJack
If names are being thrown around, Jim Herpin is a great guy and an even better attorney that specializes in bankruptcy.
Herpin & deGeneres
(225) 346-1600
Herpin & deGeneres
(225) 346-1600
This post was edited on 10/23/12 at 9:18 pm
Posted on 10/23/12 at 11:32 pm to ThatsAFactJack
You may also want to contact a S.S. Disability attorney to see if your wife qualifies. Call Matthew Lane in Lafayette.
Posted on 10/24/12 at 1:05 am to Macavity92
In a Chapter 7, do you get to keep both cars?
Posted on 10/24/12 at 4:57 am to matthew25
Yes, providing payments are up to date. A "reaffirmation" may be acquired.
Posted on 10/24/12 at 10:01 am to Will Cover
quote:
Will Cover
quote:
Yes, providing payments are up to date. A "reaffirmation" may be acquired.
House and car payments are current, in fact everything is current as of today. I jsut do see how I will keep it up another 6-8 months. Will the attorney handle the reaffirmation part with the house and vehicles are is that something I should contact the lender about?
TIA
Posted on 10/24/12 at 10:03 am to ThatsAFactJack
quote:
Will the attorney handle the reaffirmation part with the house and vehicles are is that something I should contact the lender about?
The lender and your attorney will hash out those details once you have filed.
Posted on 10/24/12 at 10:05 am to rmc
Anyone know if Rodd RIchoux is a reputable bankruptcy attorney? He advertises like crazy on the local (Lafayette) ESPN station.
TIA
TIA
Posted on 10/24/12 at 10:07 am to rmc
quote:
rmc
quote:
you aren't just racking up debt, filing ch 7 every 7 years
I've never filed for bankruptcy and have always kept my credit in control. Like I said, my wife has had some serious medical issues lately including serious cardio/heart issues during a recent pregnancy. The medical bills and her inability to work full time, she is an RN, so we lost a major source of income temporarily. So I have to look into all my options.
Posted on 10/24/12 at 10:15 am to ThatsAFactJack
quote:
I've never filed for bankruptcy and have always kept my credit in control. Like I said, my wife has had some serious medical issues lately including serious cardio/heart issues during a recent pregnancy. The medical bills and her inability to work full time, she is an RN, so we lost a major source of income temporarily. So I have to look into all my options.
No doubt. I use to have a negative view of bankruptcy. Then I became a lawyer. Some people need a clean slate. And I do a ton of collection work. Inherit with that work is creditor's rights in BK court. The creditor's know its a possibility the day they give credit.
This post was edited on 10/24/12 at 10:16 am
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