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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.

Husband and wife in mid-50s living in Kenner, Louisiana came in to look at bankruptcy related options in connection with the pending foreclosure/Sheriff sale scheduled to take place within approximately one week. We initially looked at efforts to save the home through a chapter 13 bankruptcy. It's possible to restructure the mortgage arrearages through a chapter 13 plan payment and spread the arrearage out over a 60 month repayment plan.

Early 30s female with two young children who reside in New Orleans, Louisiana came in as result of having received a lawsuit from a creditor that was suing her for a deficiency balance from a car loan. The car had been repossessed and sold at auction for less than the entire amount owed. As a result, she still owed the amount not covered by the creditor in the auction. Since the earlier repossession, she had obtained a new vehicle and had remained current on that car note.

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.

Early 40's female with single child has a full-time job and part-time job but is experiencing difficulties making ends meet. She lives in Terrytown, Louisiana.  She has a secured vehicle loan that she is able to keep current but fears that a pending garnishment will result in her falling behind on her vehicle and ultimate loss of her transportation to and from work. She owes approximately $10,000 of dischargeable unsecured debt. The unsecured debt is made up primarily of medical bills and pay day loans.