On behalf of Richoux Law Firm, L.L.C. | Dec 30, 2016 | Chapter 13
The Federal Reserve says credit card debt was second on the list of consumer debts in 2014. Financial advisors also say that a significant number of consumer bankruptcy filings involve overwhelming credit card debt nationwide, including in Louisiana. They say the...
On behalf of Richoux Law Firm, L.L.C. | Dec 28, 2016 | Chapter 7
Louisiana consumers may find themselves with unanticipated financial problems after the holidays. Those who navigated their holiday spending without a budget may wonder to where all the cash went, and from where all the debts came. One option is to seek advice from an...
On behalf of Richoux Law Firm, L.L.C. | Dec 19, 2016 | Debt Relief
As we get older, bankruptcy seems more like a scary, end-of-the-world option. We start to wonder how we can possible start over. It was easier when you were in your twenties, and maybe even thirties. It seemed liked you had all the time in the world. Even later in...
On behalf of Richoux Law Firm, L.L.C. | Dec 18, 2016 | Debt Relief
Louisiana consumers with credit card debt who suffered job losses, wage cuts or other financial emergencies will likely be looking for methods to remedy their dire situations. Different debt relief options may suit the circumstances of some, but none of them is a...
On behalf of Richoux Law Firm, L.L.C. | Dec 17, 2016 | Chapter 13
Many families nationwide, including in Louisiana, have high levels of credit card debt. Some land in a spiral of debt that can become overwhelming, but many consumers will avoid filing for bankruptcy at all costs. If credit card debt payments go unpaid for three...
On behalf of Richoux Law Firm, L.L.C. | Dec 15, 2016 | Chapter 7
When a small business in Louisiana experiences cash flow problems or other financial hardships, the owner may be researching the best way to handle the situation. There are bankruptcy options to consider, and the choice of Chapter 11 or Chapter 7 bankruptcy may depend...
On behalf of Richoux Law Firm, L.L.C. | Dec 6, 2016 | Chapter 7
Louisiana consumers who have experienced bad times may have accumulated debts that they cannot settle. This may be through job loss, medical expenses or other unanticipated circumstances. With unpaid debts come the harassment typically dished out by debt collectors....
On behalf of Richoux Law Firm, L.L.C. | Dec 2, 2016 | Chapter 7
Louisiana consumers may consider refinancing their credit card debt by obtaining a personal loan. It makes sense because that will mean the consumer can make one monthly payment at a particular interest rate rather than multiple payments at different interest rates....
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