Mid 30's mother of one who lives in Metairie, Jefferson Parish Louisiana came in for a bankruptcy consultation after receiving a notice of wage garnishment. She is currently paying on her home and is current on the first mortgage but approximately one year behind on the second mortgage. She has approximately $30,000 of dischargeable unsecured debt (medical bills credit cards etc.) and $5000 of IRS taxes. As well, she has almost $100,000 in student loans. She owns her vehicle outright with a value well above the amount able to protect through the exemption under Louisiana law. Her goals are to keep her home, vehicle and stop the pending garnishment. Plan of action is to file a chapter 13 bankruptcy through which the mortgage arrearages and tax liabilities will be resolved through the chapter 13 bankruptcy plan payment paid to the United States chapter 13 trustee and subsequently dispersed to the appropriate creditors. A small allocation to the unsecured creditors will also be through the chapter 13 bankruptcy plan payment. At the conclusion of the case all unsecured debts, except the educational loans, will be discharged, the taxes will have been paid and the mortgage will have been brought current all while protecting her interest in her home, vehicle and paycheck.
The attorneys and lawyers at the bankruptcy law firm of Kirkpatrick and Associates have helped good people through bad times in Southeast Louisiana since 1999. The parishes we serve are Orleans, Jefferson, Assumption, Lafourche, Plaquemines, St. Bernard, St. Charles, St. James, St. John the Baptist, St. Tammany, Tangipahoa, Terrebonne and Washington. So whether you live in New Orleans, Metairie, Gretna, Avondale, Chalmette, Belle Chasse, Slidell, Covington, Mandeville, LaPlace, Houma, Thibodaux, Luling, Ponchatoula, Hammond, Amite, Kentwood, Franklinton or Bogalusa, our bankruptcy lawyers and attorneys are here to help.