Bankruptcy Options

Know All Of Your Options

Hurricanes Katrina and Rita in 2005 and Hurricanes Gustav and Ike in 2008 have caused untold damage to the people of Louisiana. These disasters continue to cause financial damage and distress to Louisiana workers and families.

At Derren S. Johnson & Associates, we help individuals and families in financial distress obtain debt relief through Chapter 13 and Chapter 7 bankruptcy filings. If you are burdened by credit card debt and overdue bills, we can help you. We can stop wage garnishments, mortgage foreclosures, vehicle repossession, and creditor harassment.

The New Bankruptcy Law and Your Options

Can I still file for bankruptcy now that there is a new law?

Many people think that because of changes to the law in the 2005 bankruptcy bill, filing bankruptcy is no longer an option for them. This is not true. For almost all individuals, debt relief through bankruptcy is still possible. The attorneys at Derren S. Johnson & Associates can inform you of your options under the law. We can show you in dollars-and-cents terms what a bankruptcy filing under Chapter 13 or Chapter 7 can mean for your wallet or pocketbook.

Preserving All You Have Worked For

Under both Chapter 13 and Chapter 7, you can keep significant assets such as your house, your vehicle, pension plan or 401-K assets, and other personal property. The attorneys at Derren S. Johnson & Associates can advise you as to your options.

For some people, a Chapter 7 filing is not appropriate. For example, if your house is already under foreclosure, a Chapter 7 will do you no good. Due to their inexperience with bankruptcy, some bankruptcy lawyers will try to fit a person into a Chapter 7 filing in that situation. While those filings are easy to do, the right solution, a Chapter 13 filing, is much more difficult.

We Offer Very Competitive Rates

If you face an imminent vehicle repossession or mortgage foreclosure, a lawyer at Derren S. Johnson & Associates can help you keep what you have worked for all your life.

For a free initial consultation with a bankruptcy and mortgage foreclosure lawyer at Derren S. Johnson & Associates, call toll-free 888-564-6766, or contact us online.