(337) 233-5195 [email protected]

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy – Lafayette Louisiana

Chapter 7 bankruptcy is a sought-after option for individuals looking for debt relief because it allows them to completely wipe out all of their dischargeable debt and make a fresh start. Chapter 7 is often viewed as the quickest, easiest and most affordable solution. However, not everyone will qualify for Chapter 7, as one of the requirements is based on income. To find out if you qualify, contact a knowledgeable Lafayette Chapter 7 bankruptcy attorney at Vidrine & Vidrine at 337-233-5195. The firm offers free initial consultations with a dedicated lawyer who has more than 20 years of experience helping people just like you.

Credit Card Debt Relief: Attorney Serving Abbeville And Throughout Southwest Louisiana

Dischargeable debt includes credit card debt, medical bills, payday loans, personal lines of credit and other unsecured debt. In a Chapter 7, a trustee will be appointed to your case and will attempt to sell off any assets that are not exempt, in order to pay off some of your debt. Federal and Louisiana bankruptcy laws provide exemptions (up to specific amounts) for the following:

•Household goods and furnishings
•Life insurance proceedings
•Two firearms
•Burial plots
•Qualified retirement accounts


If your personal property is valued above the exemption limit, you may have options that will allow you to keep it. After the trustee has liquidated all possible assets, all of your remaining dischargeable debt will be erased. It is important to note that certain debts are non-dischargeable, including child support, spousal support, student loans and some taxes.Businesses can also file Chapter 7 if eligible, but Chapter 11 bankruptcy is more common. Typically, when a business files for Chapter 7, it can no longer continue to operate.

Bankruptcy And The Automatic Stay


Upon filing for Chapter 7 bankruptcy, and all other chapters under the Bankruptcy Code, an automatic stay will go into effect, which will immediately make it illegal for creditors to pursue collection of the debt you owe. This means that foreclosure proceedings, wage garnishments and threats of repossession will immediately stop.

To learn about your options for filing bankruptcy, contact Vidrine & Vidrine online or call 337-233-5195 to arrange a free consultation today.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


What are the costs of bankruptcy for consumers?



Chapter 7
Attorney fees and court costs: $1,500 (paid prior to filing the case)

Court costs: $310
Credit report: $60
Required amount to file: $500.00


All bankruptcy cases are different, your attorney at Vidrine & Vidrine will discuss this with you during your no-charge consultation. Contact our office today at 337-233-5195.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code 

Please download our PDF with the information you will need to file for Bankruptcy.  Contact us today!

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. Call (337) 233-5195 today if you have any questions.