After beginning my work as a consumer advocate right out of law school, I gained valuable experience filing chapter 7 and chapter 13 bankruptcies for individuals and families facing significant financial struggles. I quickly realized the amazing opportunity that bankruptcy law gave individuals and families. In 2017, after working for firms in Shreveport, Monroe, and Baton Rouge, I decided to start my own legal practice in New Orleans, Louisiana, with a focus on helping struggling families find debt solutions. Today, I take great pride in giving my clients the personalized legal guidance they deserve because I believe that no individual should have to face these challenges on their own. If you are dealing with a financial crisis, contact my firm, Sisk Law Firm, today to receive reliable legal guidance that will help you pursue the financial freedom you need.
If you are struggling under crippling debt, bankruptcy is a tool created by the government that allows individuals and families the chance to gain financial liberation from the burden of debt. Depending on what type of bankruptcy you file, you may be able to eliminate most, if not all your obligation to pay back your debts, prevent foreclosure on your home, put an end to harassing phone calls from creditors, avoid car repossession, stop wage garnishments, and buy yourself time to catch up on missed payments. Despite what you may think, filing for bankruptcy does not mean that you have failed. Filing for bankruptcy will allow you to take the first step toward getting your life back on track. If you are considering filing for bankruptcy, don't face this process alone. Reach out today to schedule a free initial consultation.
Chapter 7 bankruptcy is a liquidation bankruptcy, meaning that any unsecured debts can be cleared away with this form of bankruptcy. Generally speaking, many clients finish the process with little to no debt left to pay off.
Chapter 13 bankruptcy is designed for debtors who have consistent income who can pay back a portion of their debts through a structured repayment plan. In many cases, with this bankruptcy, you can keep assets and properties.
The Sisk Law Firm offers other non-bankruptcy options for debt relief that can address issues like wage garnishments, credit card debt, and car repossession. Whether you have been paying your minimum payments or have missing payments piling up, don't hesitate to call my office today.
Filing for bankruptcy can seem like a daunting task. Every individual has different goals and needs based on their own unique financial situation. Whether you want to eliminate all of your debt at once or pay off your debt over time, it is critical that you have a skilled bankruptcy attorney providing you with reliable guidance and support.
The best way to determine which type of debt relief solution is right for you depends on the type of debt you have acquired. If your debt consists of student loans or unpaid taxes, Chapter 13 is a good option. If your debt is comprised of unsecured debts, like credit card debt and medical bills, Chapter 7 may be your best option.
Another important factor to consider when deciding which bankruptcy option is best for your financial situation is the amount of income your household makes. Although it is not set in stone, typically high-income households file under Chapter 13 bankruptcy, while low-income households more often qualify for Chapter 7 bankruptcy.
Creating personalized debt solutions is what I do best. Since opening Sisk Law Firm in 2017, I have helped countless individuals throughout New Orleans, Louisiana find financial relief from unpaid bills, credit card debt, medical bills, and missed mortgage payments. If you are considering filing for bankruptcy, it is critical to have an attorney who understands both Chapter 7 and Chapter 13 Bankruptcies in order to ensure you're in a position to successfully discharge your debt. If you need help, call my firm today to schedule a free consultation.