When you hire McKeithen & Lewellyan, your attorney will be Don McKeithen, not an associate, not a paralegal, not a secretary. He will meet with you; go to court with you; and personally handle your case, from start to finish!
Filing under Chapter 13 of the Bankruptcy Code affords you the opportunity to repay a percentage of or 100% of your debts under better terms ( i.e. lower or no interest). In essence, a Chapter 13 Bankruptcy involves the restructuring of debts which allows you to use whatever disposable income you may have in the future to pay off your creditors. Filing Chapter 13 Bankruptcy is therefore appropriate for a debtor who has a regular income, and thus can afford to request such adjustments or reductions.
The United States Bankruptcy Code gives you a ceiling of 5 years, within which your creditors must be paid back. While your attorney will safeguard your interests, the entire process is carried out under the supervision of the court.
• A growing unemployment rate
• A sharp drop in home values
• Adjustable Rate Mortgages (ARMs)
• Predatory lending
• An increased number of home foreclosures
• Insurmountable consumer debt
• High interest credit cards/loans
Filing bankruptcy may provide for forgiveness of most of the past due debts mentioned above. It grants you peace of mind and allows you to enjoy a fresh financial start.
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