How to Start Getting Out From Under Financial Hardship
The first step is often the hardest. If you are seriously considering filing for bankruptcy as the way out of your financial problems, you owe it to yourself to speak to a trusted and experienced attorney.
Andress | Inzina, LLC is committed to helping people throughout South Louisiana get relief from crushing debt. Bankruptcy may be your best option for getting the fresh start you deserve. Depending on your situation, you may benefit from filing for Chapter 7 or Chapter 13 bankruptcy relief. Our skilled bankruptcy lawyers can explain your rights and options in a free, no-obligation consultation.
Step 1: Schedule Your Free Initial Consultation
Your initial appointment with us is free. Scheduling your appointment is easy and can be done by telephone or by contacting us online. We have offices in Lafayette and Baton Rouge and can meet with you at whichever location is more convenient for you.
Step 2: Attend Your Free Initial Consultation
At your free initial consultation, you will meet with our attorneys to discuss your financial situation and potential options. Upon arriving at the office, we’ll ask you to fill out a brief, one-page questionnaire prior to our discussion. We use this questionnaire to assess your circumstances and lead our discussion on each issue in more detail.
The typical initial consultation lasts between 30 minutes to an hour, and you will have the opportunity to ask as many questions as you like. Our goal is to make sure that you have all the information you need and have all your questions answered before you make a decision about what your best course of action will be.
After our meeting, we will make a recommendation as to what we believe you should do, and provide you with a new client packet and instructions for moving forward. At this point, many clients feel a sense of relief that they finally have a way forward out of debt.
Step 3: Gather Your Information & Documentation
For a bankruptcy to be successful, it is vital to have accurate information and complete documentation. We cannot adequately prepare your bankruptcy paperwork without it. Inaccurate or incomplete paperwork and missing documentation will hold up the filing of your case and delay the relief that you seek. It is up to you to answer the questions in the new client packet completely and provide us with all the documentation we have requested.
We understand that gathering this information is not always easy. We would not ask for the documentation if it weren’t necessary to prepare your case. Simply put, if your documentation is accurate and complete, the preparation of your case will go quickly and smoothly. The effort you put into getting this information will be worth it when we complete the bankruptcy process and your debt situation is resolved.
Step 4: Schedule & Attend Your Retainer Appointment
Once you have gathered all your information and documentation, you can call to set up your retainer appointment. At your appointment, you will meet with us and have an opportunity to ask any additional questions that you may have. We will review your paperwork and may have a few follow-up questions for you. You will pay your down payment on your fee and sign your retainer contract.
At this point, you will have hired us to represent you and you may begin giving creditors our firm’s name and telephone number. At the end of our appointment, we will schedule an appointment for you to come back in to review and sign your bankruptcy petition, schedules and other appropriate documents.
Step 5: Schedule & Attend an Appointment to Sign Your Documents
At this appointment, you will meet with us to review your bankruptcy schedules, statements and plan (in Chapter 13 cases). We will go over these documents in detail, make any necessary corrections, and you will sign the final draft. We will electronically file your bankruptcy case on the same date you sign your paperwork. Once your case is filed, you will be assigned a case number and you will be protected by the automatic stay in most circumstances.
You can visit our Chapter 7 and Chapter 13 bankruptcy pages for general information on how these cases proceed after they are filed with the court.
Contact Us for Further Assistance
To schedule a free consultation to get started on the bankruptcy process, contact us online or call one of our convenient office locations.