Bowdre Banks Law Offices

read moreEveryone experiences difficult times in life; if you're struggling under the weight of unmanageable debt, you may feel as if there are few solutions and even fewer people on your side. Our goal is to help you have a clear understanding of your situation, as well as all the options that are available to you, so that you're able to choose the course of action that's the best for your situation. We offer a free initial consultation, a free case evaluation and flat-rate fees for our services. Most bankruptcies are filed quickly and easily once it's been established that a person has no reasonable means by which to satisfy his debts.

read moreYou will meet with your attorney and gather information about your financial history. Together you will decide whether to seek protection under a Chapter 7 straight bankruptcy or a Chapter 13 payment plan. Your attorney will go with you to meet your case trustee, who is appointed by the court to examine you under oath. You must appear before the trustee. The discharge means that you have no further obligations to your creditors and they can never contact you about your past debts. You are under no obligation to repay these past debts.

read moreI've been a Louisiana Real Estate Attorney in New Orleans since 1993. Before I became an attorney I was a Louisiana Real Estate Agent and Broker who for over a dozen years managed rental property. I am an experienced professional who provides personal service. Call me or email me for a consultation. Your call goes right to my cell phone and I answer all my calls personally. Real Estate law can involve a number of areas of law. I thought that it would be helpful to give examples of some of the kinds of problems I handle.

read moreThe process of deciding whether to file a bankruptcy proceeding often is very difficult. Nobody wants to file bankruptcy, whether it be under Chapter 7 or Chapter 13 of the Bankruptcy Code. A bankruptcy may have adverse credit effects and there can be other undesirable ramifications. Well then, why should someone take this important step? The answer to that question, in my opinion, is that you should file only after considering the various alternatives. If none of these alternatives is feasible or practical for you, then filing a bankruptcy petition may be the most responsible step to take.

read moreWhat follows is my opinion on what you should expect from your attorney. They are the minimum standards of conduct necessary in order to build trust between an attorney and his client. My view is that you have a right, not just to ask for, but to demand the following: His or her attention. An attorney must listen to you in order. Debt collectors have attempted to intimidate consumers into paying debts that are prescribed or not owed at all in cases of mistaken identity. If new rules are adopted debt companies would have to more fully document their accounts.

read moreChapter 7 is a liquidation. Your nonexempt assets (if any) are distributed to the creditors according to certain rules. A Chapter 13 bankruptcy is a repayment plan. You must make a monthly payment to a trustee appointed by the court. The trustee then distributes these payments to your creditors. There are certain rules that govern your decision. For instance, if you received a discharge in a Chapter 7 case, you may not file another case for eight years. However, you may still be able to file under Chapter 13.

read moreNothing contained herein should be construed to constitute advice for your personal situation. Furthermore, this is intended as a peripheral glance at the various options available, but by no means is this a comprehensive or exhaustive analysis of the bankruptcy laws. Whether or not you should file a Chapter 7 or Chapter 13 bankruptcy, or seek any other type of relief, will vary depending on your personal situation. This decision should only be made after careful consideration and analysis, and after consultation with a professional.