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| GREG GOUNER ATTORNEY AT LAW BANKRUPTCY
Bankruptcy is a way for people saddled with overwhelming debts to get a second chance. In nearly 15 years experience handling bankruptcies we have helped hundreds of families and individuals discharge millions of dollars of debt. |
 Call my office if you would like to discuss bankruptcy in detail. Payment options are available. Baton Rouge (225) 293-6200 Toll Free: (800) 404-1921 Sonya Ryland of Counsel in Bankruptcy and Family Law. |
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| FORMS | Here are the bankruptcy forms for your convenience. PDF Document: BANKRUPTCY FORMS You will also need a credit report. You may obtain a free one here. Free Credit Report Link |
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WHAT IS BANKRUPTCY? |
Bankruptcy is a legal proceeding
available to a person to help cope with a financial crisis. The main
purpose of bankruptcy is to provide a fresh financial start and give you a new
lease on life. By law, your creditors are not allowed to contact you. Garnishments are ordered stopped as of the date of the case filing. Secured creditors such as banks cannot foreclose on your house or car without the approval of the bankruptcy Court. Most people who file bankruptcy get credit within a short time of the discharge. Although no one ever wants to have to file for bankruptcy, those who do are in good company. Famous people who have filed for bankruptcy include Mark Twain, Milton Hershey, and more than one president For a more complete list click here. |
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| KINDS: | The two most used types of
bankruptcy are Chapter 7 and 13. People who file Chapter 7 cases get a true “fresh start.” Most debts are wiped from your record. You can generally keep your cars and home if you continue to make your payments and may sign a new agreement with the creditors on this property. Credit cards and signature loans are usually wiped out completely. Chapter 13 allows you to repay and restructure debts. This type of bankruptcy is used most often when someone is behind on house or car payments and is attempting to stop foreclosure. It allows for the changing of payment schedules so that secured property can be saved. |
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| YOUR CREDIT AFTER BANKRUPTCY: | Often your credit will
actually be better after bankruptcy. A Chapter 7 case can only be filed
once every eight years so once your case is over new creditors are
protected. Lately, people are finding that they are able to get new
credit soon after their discharge – and often from the same creditors they
worked with before filing. In nearly 15 years of doing bankruptcies, no client has reported having a harder time obtaining credit after their case. One way to think of it is this: by the time most folks file for bankruptcy protection their credit is “ruined” anyway. |
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| PAYMENT OPTIONS ARE AVAILABLE TO FIT YOUR NEEDS. | ||||
| Some Famous People Who Filed Bankruptcy: |
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| FORMS | Here are the main bankruptcy forms for your
convenience. PDF Document: BANKRUPTCY FORMS You will also need a credit report. You may obtain a free one here. Free Credit Report Link |
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| CLICK HERE FOR UPDATED BANKRUPTCY INFORMATION |
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Injury | Employment | Bankruptcy | Adoption | Divorce | Eviction | Traffic | DUI |
| Drugs and Narcotics
Charges | Asset
Forfeiture | Criminal
Charges | Contact | Home |