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Grand Law Firm Grand Law Firm
HOUSTON (346) 209-0438
Chapter 13 Serving Louisiana & Texas Since 1994

One Simple Mission: To Help Good People Through Hard Times

Chapter 13 Bankruptcy Lawyers in Metairie

Offering Clients the Highest Quality Legal Service

Chapter 13 bankruptcies may be a good choice for both qualified individuals and couples who seek a way to reorganize how they repay their debts. In a Chapter 13 filing, debtors may keep their home, cars, and other possessions as long as they keep up with their established repayment plan.

Would you like free legal advice regarding your options? To learn more, contact the Metairie bankruptcy attorneys at Grand Law Firm online. We can also be reached at  (504) 608-5208. 

“Bill Consolidation Bankruptcy”

A Chapter 13 bankruptcy is also commonly known as “bill consolidation.” After filing, the debtor or debtors and their lawyer submit a proposed repayment installment schedule to be paid out to a Trustee, rather than each individual collector. The Trustee will then distribute the payment according to the approved and current schedule.

Grand Law Firm understands that Chapter 13 often presents a legal solution to get debtors out from under their financial hardships, but it may not be right in every case. Our qualified Metairie bankruptcy lawyers can sit down with you during a free case evaluation and consultation to discuss your rights and options.

Chapter 13 vs. Chapter 7

Bankruptcy is a big choice during an already overwhelming time. Understanding the types of bankruptcy, namely individual versus reorganization, can help you understand what filing may mean for you.

In Chapter 7, an individual debtor liquidates some or most of their property to pay back their debts, keeping personal items like clothes and furniture. Chapter 13, on the other hand, allows you to keep all property and repay some or all debts over a period of 3 to 5 years.

Requirements

In both types of bankruptcy, a debtor must undergo financial counseling within six months before filing. Debtors must also go through an education class after filing and before the debt discharge is finalized.

Certain paperwork must also be filed. This includes:

  • Proof of income for six months prior to filing
  • Documents related to your real property
  • Monthly expense reports, including utility costs
  • Tax returns from the past two years
  • A credit counseling certificate
  • Any other paperwork related to the debts

Moving Forward

Grand Law Firm helps debtors file for bankruptcy relief. Though taking the next steps may seem intimidating, we will help make the process as easy as possible. After your free consultation, we will assist you in identifying a legal plan of action and discuss the next steps.

Why wait? Call our Metairie Chapter 13 bankruptcy attorneys today at (504) 608-5208.

The Opinions That Matter

See What Our Past Clients Have to Say
    Would recommend Grand Law Firm. They were helpful in everyway.
    “When I found myself having to file bankruptcy I was referred to Grand Law Firm by a friend. After I met with Mr. Robert Hoke and he took the time to explain to me what I should expect and how the process worked I was not as anxious about this whole process. Robert helped me feel at ease and realized that I could get through this. We communicated through email and phone and I always felt that I was being taken care of and he knew my case. I later communicated with Jane F. and she was very kind and never seemed to be bothered with my questions. I would definitely recommend this firm to anyone that finds themselves in a financial situation that seems impossible.”
    - Jodie M
    AAAAA++++ service the best!
    “I would recommend Grand Law firm to anyone who seeking to file bankruptcy. They staff have the best customer service ever! They are professional and very helpful and always available when needed. AAAAA++++ service the best!”
    - Keisha H.
    GLF went out of the way to work with me.
    “Thank You and God Bless Your Staff !! GLF went out of the way to work with me. I appreciate all that was done through my difficult time. I wasn’t the easiest client, so Thank You for your patience.”
    - A. Reed
    Everything was explained thoroughly and done efficiently.
    “I was lucky enough to have found such great people to work with. Everything was explained thoroughly and done efficiently. I was never made to feel less than if I didn’t understand the law dealing with bankruptcy.”
    - G. Davis
    I would definitely refer them to anyone in need of any legal matters!
    “From the moment I entered Grand Law Firm, my experience was spectacular! After my initial consult, I immediately felt the release of all of the stress that I had acquired.”
    - A. Smith