Lake Charles, Louisiana, Bankruptcy Attorney
David J. Williams has practiced law in Lake Charles since 1979. He has earned the trust and respect of clients throughout the Western District of Louisiana. If you are living with overwhelming debt, an experienced lawyer can help you understand your options. If a bankruptcy filing is not the best option for your situation, we will tell you up front so that we can explore other options. Call us today at 337-494-1023 and schedule your free initial consultation regarding any of the following.
- Chapter 7 Bankruptcy: Chapter 7 bankruptcy is often called debt liquidation. Your debt is discharged in an efficient process, and you can start fresh on your finances. To qualify for Chapter 7, you must meet certain requirements, including taking a means test. You must also participate in debt management classes.
- Chapter 13 Bankruptcy: In Chapter 13 bankruptcy, your debt will be reorganized into one affordable payment. A plan is established so that, in three to five years' time, you will pay off your debts and gain a fresh start on your finances. Chapter 13 is generally considered a "wage earner" bankruptcy. This is often the type of bankruptcy used by people who are earning an income, but have overextended themselves, or have experienced a temporary problem that caused them to fall behind.
- Stopping Foreclosures: If you are behind on your home mortgage payments and face impending foreclosure, you still have options. Our firm can discuss the possibilities for putting a stop to home foreclosure. These options may include a Chapter 13 bankruptcy filing. Chapter 13 stops the foreclosure process, can allow you to keep your home, and reorganizes your debt — including your mortgage payment — into a workable payment plan.
David J. Williams limits his practice to the Western District of Louisiana, Lake Charles Division.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
