Lake Charles Bankruptcy Debtor Attorneys
Guiding You Toward a Better Future
If you or your business is facing financial debts that you can’t afford to pay, whether partly or entirely, you may be feeling vulnerable and helpless. Fortunately, our Lake Charles bankruptcy attorneys can help debtors like yourself during this challenging time. We’ve helped guide countless clients through the bankruptcy filing process so they can begin their fresh start. Whether you think you may qualify for a Chapter 7, 11, or 13 bankruptcy, Sudduth Associates, LLC can assess your situation through a consultation and make a recommendation that benefits you the most. We’re not just committed to filing your paperwork and going through the motions – we genuinely want our clients to understand their unique situations and to make informed decisions on behalf of themselves and their families or businesses. You can trust us to provide you with informative and compassionate counsel.
Contact us online or by phone at (337) 282-9003 if you’re ready to move on. The sooner you call us, the sooner we can settle your financial issues and end creditor harassment.
Types of Bankruptcies for Individuals & Businesses
There are two main types of bankruptcies for individuals and small businesses, and a third that large businesses and some small businesses may qualify for.
Our attorneys can help you determine which of the following types can apply to your financial burdens:
- Chapter 7: The most common kind of bankruptcy, you may qualify for Chapter 7 if you absolutely cannot pay any of your debts. Under this kind of bankruptcy, individuals surrender their assets to be sold to pay creditors. After filing, individuals are no longer contacted by creditors and aren’t in danger of having their wages garnished.
- Chapter 13: The second most common type of bankruptcy for individuals, Chapter 13 bankruptcies allow individuals to create repayment plans to pay off their debts in three or five years. Monthly payments are made to the court, which then distributes the money to creditors. This is the best option for those who can afford to pay off some of their debts.
- Chapter 11: Mainly utilized by large businesses, Chapter 11 bankruptcies allow businesses to form reorganization plans to repay creditors over time. This type of bankruptcy involves more complicated filing rules, which is another reason why it’s important that you hire a bankruptcy lawyer to help you begin a petition.
Our attorneys can determine your best option for recovery by assessing your situation in depth. When you call us and take advantage of your consultation, we may ask you for your personal information, including how much you owe, how long you’ve owed, and who you owe money to.
Reasons for Filing for Bankruptcy
It’s crucial that you know you’re not alone in carrying your financial burdens. 70% of Americans have some kind of financial struggle, and though it’s a last resort, needing to file for bankruptcy can happen to anyone, especially during difficult economic times.
Our lawyers have helped countless clients who have needed debt relief due to:
- Loss of income
- Credit card debts
- Injuries resulting in expensive medical bills or inability to work
Offering a Unique Perspective
Our attorneys have years of experience representing both sides of bankruptcy: the debtors and the creditors. Because we understand creditors and their priorities when it comes to obtaining repayment, we can use our unique knowledge and experience to protect you, the debtor.
When you work with our team, we can help you get your bills discharged, stop creditor harassment and foreclosures, and fight for your right to keep your property. Chapter 7 bankruptcies typically liquidate individual assets, but we can defend the things you want to keep.
Call our Lake Charles bankruptcy debtor attorneys at (337) 282-9003 to learn more about which type of bankruptcy is right for you or your business. We’re committed to securing the results our clients need to start over in Louisiana.
Possession of Controlled Dangerous Substance Reduced to Misdemeanor
DWI and Failure to Register as a Sex Offender Charges Dismissed
Attempted Second Degree Murder Reduced to Illegal Carrying of Weapon
Possession of CDS II and Possession of Marijuana Drug Possession Charges Dismissed
DWI 3rd Offense, Hit and Run, and Possession of Marijuana Charges Dismissed
Domestic Abuse Battery w/ Child Endangerment Case Dismissed
Aggravated Incest; Oral Sexual Battery No Jail Time
Murder, Manslaughter, Negligent Homicide No Discharge Ordered of Any Kind
Hit and Run, Reckless Operation, Overtaking a School Bus Most Serious Charge Reversed on Federal Appeal
First Degree Vehicular Negligent Injuring Case Dismissed
Over 100 Years of Collective Experience
Former Prosecutor Who Knows Both Sides of the Law
Long Roots in the Local Community
Cutting-Edge Technology to Bring You More Convenience
Collaborative Approach to Your Case
Highly Communicative & Responsive
“If having someone on your side that gives a 110% and delivers a quality product is important, then James Sudduth III comes with my highest personal recommendation.”- Chris
“Throughout the entire ordeal, James could not have been more professional, courteous and knowledgeable regarding my employment issue. He was prompt with his responses and could not have shown more compassion for the issue.”- Former Client
“James & his caring team of professionals are a cut above the rest. They truly care about the legal issues I face, and aren't just 'going through the motions.' It's been a tremendous help during this transitional period in my life to have Jame”- Ashley