Chapter 7 Bankruptcy Attorney In Mandeville, Louisiana

Is Chapter 7 Bankruptcy Right for Me?

Debt can spiral out of control quickly. Just one medical emergency or job loss can make it impossible to pay your bills on time or at all. If you can’t meet your financial obligations and creditors are harassing you at all hours of the day, one possible solution may be found through Chapter 7 bankruptcy. If you find yourself in this situation, The De Leo Law Firm, LLC in Mandeville can advise you on whether this bankruptcy chapter offers you a chance to regain your financial footing.

Contact The De Leo Law Firm, LLC to schedule a consultation with a lawyer today at 985-332-4355

Case Types

Skilled Lawyers Assist Clients Filing Chapter 7 Bankruptcy In Louisiana

Chapter 7 bankruptcy offers you the opportunity to start over with a clean slate, allowing you to completely eliminate your unsecured debt, including credit cards, medical expenses and personal loans. Louisiana law contains numerous exemptions that allow you to protect property and not become indigent just because of a bankruptcy filing. You will need to give the bankruptcy court details of your property, income, debts, creditors and financial transactions. This information will not only be used to determine if you satisfy eligibility requirements, but also to notify your creditors and help determine what relief you might ultimately receive from the court.

Filing for Chapter 7 bankruptcy can be a very complicated process, so it is important that you hire an experienced bankruptcy attorney to guide you. We will help you prepare all the necessary paperwork for your Chapter 7 filing. Robin De Leo is one of only three attorneys in the Eastern District Court that is a certified consumer bankruptcy specialist. The De Leo Law Firm handles bankruptcy cases exclusively and Robin De Leo has been practicing bankruptcy law for over 30 years. We represent both consumer and business debtors and creditors.

Proven Advocates Advise On The Means Test And Other Eligibility Requirements

More people file for Chapter 7 bankruptcy than any other type of bankruptcy, but not everyone will qualify. You must first pass a means test, which compares your monthly income to that of the Louisiana median family income for a family of your size. If your family income is less than the average, you qualify. If not, you can still qualify if your income falls below the average after subtracting certain allowed types of expenses. We can help you with the means test for Chapter 7 or advise you on other bankruptcy options, such as Chapter 13. We also assist business owners seeking bankruptcy protection through Chapter 11 and the new Subchapter V of Chapter 11.

You do not need to take the means test if you are:

Filing for business bankruptcy
A disabled veteran
A reservist or National Guard member who was on active duty for at least 90 days within the last couple years

Even if you pass the means test, you may not be eligible to file if you had a bankruptcy dismissed within 180 days before the new Chapter 7 filing date.

Advantages Of Chapter 7 Include Stopping Creditor Harassment

When you file for Chapter 7 bankruptcy in Louisiana, an automatic stay is issued, stopping your creditors from contacting you, and any lawsuit to collect money from you must be put on hold unless the court allows it to proceed. However, because you do not want to lose your home, you need to continue making payments to your mortgage lender. We handle any problems with creditors for our clients.

When you file Chapter 7, you will be allowed to keep some of your assets, so you will not lose everything.

Credit Counseling Requirements Help Debtors

n Louisiana, anyone who files for bankruptcy must attend credit counseling sessions with an approved agency. First, you must do so within 180 days before filing, to give you an idea whether you need to file for bankruptcy or have other options, though you are under no obligation to take the agency’s advice. Once in bankruptcy, you must take a debt management course to help you manage your money better in the future. We will guide you through these requirements.

Going through bankruptcy can be an exhausting and emotional experience. Our law firm will do the heavy lifting so you can breathe easier knowing that brighter financial times are ahead.

Contact experienced Chapter 7 bankruptcy attorneys in Louisiana

The De Leo Law Firm, LLC guides clients through Chapter 7 bankruptcy in Mandeville, Covington, Slidell, Hammond and surrounding areas in St. Tammany Parish, Louisiana. To schedule a free consultation, call us at 985-332-4355 or contact us online and let us help you put your life back together.

Schedule a Case Evaluation

Homepage FCE Form

By submitting this form, you agree to be contacted by our law firm, either by phone, text or by email.

Hours

Mon - Thu: 8:30 am - 6:00 pm
Friday: 8:30 am - 12:00 pm
Sat - Sun: Closed

Contact Information

Email: Info@NORTHSHOREATTORNEY.COM
Phone: 985-332-4355

800 Ramon St.

Mandeville, LA 70448

*$0 Down pertains to attorney’s fees. Client would need to pay associated court filing fees, administrative costs and required credit counseling fees. Attorney will accept case prior to full payment, however, filing the case with the bankruptcy court will occur after attorney's fees have been paid in full.

We are a debt relief agency. We are attorneys who help people file for bankruptcy relief under the bankruptcy code.

Attorney Advertising. The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute an attorney-client relationship.