Lake Charles, Louisiana, Chapter 7 Bankruptcy Lawyer
There are many events and circumstances in life that can lead to debt problems. Job loss. Illness. Divorce. If you have become overextended in your financial commitments, no matter how you got there, the important thing to do is this: address the problem and get back on track. Attorney David J. Williams has more than 30 years of legal experience. He understands the fears, concerns and goals of people living with overwhelming debt. A Chapter 7 bankruptcy filing may be the right option for you.
Attorney Williams offers free initial consultations. To schedule a meeting to learn your options for obtaining debt relief, call our firm today at 337-494-1023. Our firm is located in Lake Charles, Louisiana, and represents people throughout the Western District of Louisiana.
How does Chapter 7 bankruptcy work?
You must qualify for Chapter 7 through a means test and by applying certain time limits involving any previous bankruptcy filings. Our firm can quickly help determine if you qualify for this type of relief. If you do not qualify, you may still have options in Chapter 13 bankruptcy. When you file Chapter 7, an automatic stay goes into effect. The automatic stay puts an immediate halt to any attempts by creditors to collect the debt — this includes harassing phone calls, letters and threats of foreclosure or car repossession.
Chapter 7 bankruptcy is sometimes known as debt liquidation. Attorney Williams can help you through every step of this process from the case filing, creditor's meeting and final debt discharge. You will also be required to participate in two financial management classes. When your debt is discharged, you can start fresh on your finances.
Our firm views bankruptcy as a last resort. We will explore other options for helping you out of debt, if possible. If we do not believe bankruptcy is the best option for you, we will be honest and up front.
If you want to take the first step toward putting a stop to creditor harassment and obtaining debt relief, call the Law Firm of David J. Williams, Attorney at Law at 337-494-1023 and schedule your free initial consultation. Our office hours are Monday through Friday from 8:30 a.m. to 5:00 p.m., with evening consultations available by appointment.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
