Chapter 13

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Chapter 13 Bankruptcy Attorney In Baton Rouge, Louisiana 

What Is A Chapter 13 Bankruptcy?

If you're grappling with overdue payments on your house or car, navigating the complexities of financial distress can be overwhelming. However, a Chapter 13 bankruptcy, under the experienced guidance of Rena Hester in Louisiana, offers a viable solution that can effectively halt foreclosure on your cherished home, assist in maintaining possession of your vehicle, and potentially even reduce your car payments significantly. In certain circumstances, you may find yourself eligible for a repayment plan where you are required to pay just a fraction of your overall debt, allowing you to keep ownership of all your valuable assets, including your home and car, intact without the fear of losing them. Additionally, if you've accrued a number of previous parking tickets that led to the unfortunate revocation of your driver’s license, entering a Chapter 13 proceeding can provide a pathway to help you regain your license and restore your driving privileges.


However, to fully seize all the advantages that a Chapter 13 bankruptcy offers, it is crucial to have a knowledgeable bankruptcy attorney by your side to navigate the process effectively. Rena Hester boasts a proven track record of success in managing Chapter 13 proceedings for her clients, and she is ready and willing to assist you in achieving a favorable outcome in your financial situation. To discover how Rena Hester can serve you and provide the support you need during this challenging time, don’t hesitate to schedule an appointment today and take the first step toward financial relief and stability.

Call Hester Law Firm at 225-463-2520 to schedule a consultation with a lawyer today.

How Do I Qualify for a Chapter 13 Bankruptcy?

First and foremost, Rena Hester can assist you in establishing a stable income in Louisiana, which is sufficient enough to make regular payments as per the court’s directives pertaining to your bankruptcy case. It’s important to note that this income doesn't necessarily need to be directly linked to traditional employment. If you’re receiving Social Security, disability benefits, unemployment payments, retirement benefits, or even rental income from properties you own, you might still qualify for the necessary financial framework. However, it's essential to be aware that individuals working as stock or commodity brokers are not eligible for a Chapter 13 bankruptcy, and corporations, too, are excluded from seeking Chapter 13 relief. On the other hand, if you are a sole proprietor or self-employed individual, and your debts fall within certain defined financial boundaries, then there is a strong possibility that you might qualify.


Furthermore, if your debts extend over a three to five years' timeframe, you would likely meet the requirements, especially if you pass a means test to verify your financial eligibility. Rena Hester can thoroughly evaluate your unique financial situation prior to your filing, providing you with the information and guidance needed to determine if a Chapter 13 bankruptcy is truly advantageous for you and your circumstances. Don't hesitate to reach out to Hester Law Firm in Baton Rouge, Louisiana , today to begin the process and take the first steps towards financial relief.

What Happens During a Chapter 13 Proceeding?

First, your eligibility will need to be confirmed through the means test we previously discussed, which assesses your financial situation to determine if you meet the criteria for filing. If you qualify based on this evaluation, opting for a Chapter 13 bankruptcy will effectively put a halt to any ongoing foreclosures, wage garnishments, repossessions, lawsuits, or any other disruptive actions that may be initiated by your creditors. Rena Hester, your devoted and experienced attorney based in Baton Rouge, Louisiana , will play a crucial role in aiding you with the creation of a tailored repayment proposal that outlines how you plan to address your debts. Once your proposal is drafted, it is then up to the court to review and approve your plan, ensuring it meets all legal requirements. The court will also evaluate whether you have put forward this scheme in good faith and verify that the total amount your unsecured creditors will receive is at least equal to what they would have been entitled to under a Chapter 7 filing.


Moreover, your proposed payments must encompass all your disposable income - that is, all your earnings after essential expenses for your sustenance and upkeep are considered. Yes, it can indeed be a complicated process filled with legal nuances, but with a seasoned bankruptcy attorney like Rena Hester at your side, you can rest assured that you'll have the guidance needed to successfully navigate through it. To initiate this important process and secure your financial future, connect with Hester Law Firm in Baton Rouge, Louisiana  today.

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Disclaimer: We are a debt relief agency. We are attorneys who help people file for bankruptcy relief under the bankruptcy code.

Have Questions?

Rena Hester is available during normal working hours, but also maintain a 24/7 answering service. If you need a consultation on a weekend or evening, we can provide that for you.
Call us today at 225-463-2520.

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