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Late 40s divorced male attended the consult to consider bankruptcy related options to control his overwhelming debt. His primary debt stemmed from a home foreclosure deficiency balance. Another words, when his home was foreclosed on, he owed approximately $100,000 but the property only sold for $60,000 at Sheriff sale. Accordingly, the creditor was pursuing him for the $40,000 difference plus interest and cost. As well, he has a proximally $20,000 in credit card debt and a couple thousand dollars in tax liabilities. Finally he has a car note that he is current on.

Late 30s male with two children who resides in New Orleans, Louisiana came in in order to find out what bankruptcy related options may be available to help him save his 18 Wheeler that he uses as his sole means of income. In addition to the 18 Wheeler he has some federal and state tax liabilities along with several thousand dollars of credit card debt. Because he is behind on his 18 Wheeler, the filing of a chapter 7 would in all likelihood result in the loss of the 18 Wheeler back to the creditor.

Mid 40s single female who resides in Chalmette Louisiana, St. Bernard P came in to the office for a bankruptcy consultation after receiving a lawsuit for $16,000. She does not own any real estate but does on a vehicle with a car note of approximately $11,000. In addition, she owes several thousand dollars of general unsecured debt (credit cards and medical bills and IRS obligations of approximately $6000 along with Louisiana tax obligations of $1000. She has filed a chapter 7 bankruptcy within the last eight years which precludes the filing of another chapter 7 bankruptcy at this time.