Best Bankruptcy Lawyers in Kenner, LA

No, creditors cannot contact you for the duration of your bankruptcy case provided that you do everything that the bankruptcy court requires of you. Upon filing, you are protected from your creditors by the Automatic Stay, which prevents contact, foreclosures, and repossessions for the duration of your case.

If your circumstances change after you file for bankruptcy, you should let your attorney know right away, as that may impact your case moving forward. Often times, converting your case from a Chapter 13 to a Chapter 7, or vice versa, may be appropriate.

One of the biggest myths surrounding bankruptcy is that filing will prevent you from ever being approved for a loan or a line of credit in the future. Most often, bankruptcy allows you to get your personal finances in order so that you can begin repairing your credit immediately, which will make it more likely that you can borrow money in the future.

Upon completing a bankruptcy case, I advise my clients to rebuild their credit by starting small and working their way up to bigger credit opportunities. For example, getting a credit card or gas card with a small credit limit and paying it on time every month will help you reestablish your credit right out of bankruptcy. Although you will likely find someone to finance you a vehicle right out of a bankruptcy case, the interest rate on these loans will often lead to large, unattractive payments. Thus, I find it best to start small and establish your payment history before moving on to bigger purchases.