Bankruptcy
“We are New Orleans’ Bankruptcy Attorneys.”
If you’re considering bankruptcy, you’re not alone and you do have rights. Edwin Shorty and Associates is a Louisiana bankruptcy law firm. We are experienced legal professionals who practice in Louisiana’s bankruptcy courts . We help you get your finances back on track so you and your family can recover and find a fresh start. Our offices are located next door to Bankruptcy Court for convenience and efficient handling of your case. When you come in for your free consultation, one of our experienced lawyers will explain the bankruptcy process and help you decide if it is the right choice for you.
“The phone calls stop, the letters stop.
The law says your creditors can’t contact you.
From the moment we take your case,
your creditors have to deal with us!”
How Bankruptcy Can Help
Bankruptcy is a federal legal process designed to give honest individuals a fresh financial start. Depending on your circumstances, filing bankruptcy may:
- Stop creditor harassment and collection calls
- Stop wage garnishments
- Stop most lawsuits
- Stop foreclosure proceedings
- Stop vehicle repossession in many situations
- Eliminate qualifying unsecured debts
- Create an affordable repayment plan
- Give you an opportunity to rebuild your credit over time
One of the most powerful protections available is the automatic stay, which generally goes into effect immediately upon the filing of a bankruptcy petition and temporarily stops most collection actions against you.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy allows people who qualify, to eliminate most unsecured debt, including credit card bills, medical bills and judgments against them. At Edwin Shorty Jr. & Associates, we help determine if you qualify for Chapter 7 bankruptcy
and if it is the right choice for you and your family. Many people are under the misconception that filing for bankruptcy means they will lose everything. This is not true. We understand complex bankruptcy laws, regulations and the exceptions available that allow you to keep your assets. We walk you through every step, with attention to detail, so that you have a thorough understanding before you file.
“If you’re considering bankruptcy, you’re
not alone. Many people find themselves in need of
help. It doesn’t make you a bad person!”
Chapter 13 Bankruptcy
If your regular income disqualifies you from Chapter 7 bankruptcy, or if you have nonexempt assets that you are not willing to lose, (like trying to keep a house or car that you are behind on) Chapter 13 bankruptcy can provide you with an alternative. By creating a payment plan that you can afford, Chapter 13 bankruptcy offers you the time and breathing room you need to bring your finances up to date.
“The hardest part is admitting you need help.
Call us today for a free initial visit to discuss your case.
What do you have to lose, and it could change your life!”
If you are facing repossession or foreclosure; if you are being harassed by creditors, bankruptcy might be the solution. Our attorneys can answer all of your questions and give you the information you need to make the right decision and take control of your debt. Just contact us at 504-207-1370 to schedule a free consultation with an experienced New Orleans bankruptcy attorney
Which Bankruptcy Chapter Is Right for You?
Every financial situation is unique. During your consultation, we will evaluate:
- Your income
- Your assets
- Your debts
- Your financial goals
- Whether you qualify for Chapter 7
- Whether Chapter 13 better fits your circumstances
We believe that informed clients make better decisions, and we take the time to explain your options clearly.
The Bankruptcy Process
Step 1 – Consultation
We review your financial situation, answer your questions, and determine whether bankruptcy is an appropriate solution.
Step 2 – Gather Financial Information
We help you organize the documents and information needed to prepare your case.
Step 3 – File Your Bankruptcy Petition
Once your petition is filed, the automatic stay generally takes effect and most collection efforts must stop.
Step 4 – Meeting of Creditors
You attend a required meeting conducted by the bankruptcy trustee. We prepare you for this meeting and guide you through the process.
Step 5 – Financial Fresh Start
Depending on your chapter and your circumstances, qualifying debts may be discharged or addressed through a court-approved repayment plan.
Frequently Asked Questions
Will I lose everything if I file bankruptcy?
Not necessarily. Bankruptcy laws include exemptions that allow many people to keep important property. The outcome depends on your specific circumstances.
Will bankruptcy stop creditors from calling?
In most cases, the automatic stay requires creditors to stop most collection efforts after a bankruptcy case is filed.
Will bankruptcy stop foreclosure?
Chapter 13 may allow eligible homeowners to catch up on missed mortgage payments over time. Chapter 7 may temporarily delay foreclosure in some situations.
Can bankruptcy stop wage garnishment?
In many cases, yes. Filing bankruptcy generally stops most wage garnishments through the automatic stay.
Can I keep my vehicle?
Many people are able to keep their vehicles, depending on the facts of their case and the applicable bankruptcy rules.
How long does bankruptcy stay on my credit report?
A bankruptcy filing can remain on your credit report for a number of years, but many individuals begin rebuilding their credit well before it is removed.
Is bankruptcy right for everyone?
No. Bankruptcy is one option among several forms of debt relief. We will help you evaluate whether it is appropriate for your situation.
Why Choose Edwin Shorty & Associates?
When you work with our firm, you can expect:
- Personalized legal guidance
- Honest answers about your options
- Clear communication throughout your case
- Experienced representation from start to finish
- Respectful, judgment-free service
We understand that seeking debt relief can feel overwhelming. Our mission is to help you move toward a more stable financial future.
Serving Clients Throughout Louisiana
Edwin Shorty & Associates proudly assists clients in:
- New Orleans
- Metairie
- Kenner
- Gretna
- Harvey
- Marrero
- Slidell
- Baton Rouge
- Houma
- Hammond
- Covington
- Mandeville
- Lafayette
- Lake Charles
- Alexandria
- Monroe
- Shreveport
- Communities across Louisiana
Schedule a Bankruptcy Consultation
If debt is keeping you awake at night, you don’t have to face it alone. Let Edwin Shorty & Associates help you understand your legal options and determine whether bankruptcy is the right path toward financial relief.
Call (504) 207-1370 or complete our online contact form to schedule a consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
