Baton Rouge Chapter 7 Bankruptcy Attorney

Louisiana Debt Relief Lawyer

Despite what many people believe, the new bankruptcy laws which went into effect in 2005 still allow most people to obtain debt relief through a Chapter 7 or Chapter 13 bankruptcy filing.

Derren S. Johnson & Associates, APLC is a debt relief agency with offices conveniently located in Baton Rouge. Our Chapter 7 bankruptcy lawyers have been helping Louisiana residents file for bankruptcy for 25 years. We understand that bankruptcy is not the best choice for everyone. Our attorneys present you with various solutions to your financial dilemma and will help you choose the option that best suits you.

Contact us for a free initial consultation.

What is Chapter 7 Bankruptcy?

Chapter 7 of the Bankruptcy Code can lift your debt burden off your shoulders, while allowing you to keep exempt property. You may lose certain non-exempt assets from your estate. While Chapter 7 is not for every individual, the swift discharge of applicable debts can allow you to begin the restoration of your financial health.

How do I know if Chapter 7 is right for me?

Our skilled bankruptcy attorneys will carefully assess your financial situation to identify secured or unsecured debts. If the majority of your debt is the result of unpaid child support, criminal restitution, fines, taxes or certain student loans, you might consider other options, such as Chapter 13.

There is no limitation to the amount of debt to be discharged after filing Chapter 7 bankruptcy. For a debtor, there are limitations about what property may be classified as exempt. Your home and automobile equity, basic household furnishings, work-related tools, wedding rings and certain retirement plans may be considered exempt and are therefore protected against repossession.

East Baton Rouge Bankruptcy Attorney

Our Bankruptcy Information Center provides a general overview of bankruptcy for the consumer.

We can stop harassing creditor phone calls, wage garnishment, vehicle repossession, and mortgage foreclosure.

For a free initial consultation with a Chapter 7 bankruptcy lawyer at Derren S. Johnson & Associates, call toll-free 888-564-6766, or contact us online.