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Baton Rouge Bankruptcy Attorney .pdf



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Baton Rouge Bankruptcy Attorney
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.

The Carmichael Firm

At The Carmichael Firm, we know that choosing a bankruptcy attorney is an important
decision for our clients. Many of our clients have never needed to hire a lawyer and do not
know where to begin. We believe the following things are important to consider when
choosing the right bankruptcy attorney

Accessibility
Choose a bankruptcy attorney who is accessible. After all, what good is a bankruptcy
attorney if you never get to talk with him or her? At The Carmichael Firm, you will be able
to meet with a bankruptcy attorney at your free consultation. All of our attorneys try to
take calls from clients as they come in, and we pride ourselves on the fact that we promptly
return clients' phone calls. At some of the high volume law firms, the clients are actually
photographed so the attorney who attends the hearing will be able to recognize the client.
At The Carmichael Firm we make every effort to have the same attorney who meets with
you on your first visit be with you every step of the way, including representing you at your
341 hearing with the bankruptcy trustee.
Local. The Carmichael Firm is a local Baton Rouge, Louisiana law firm. We practice
exclusively bankruptcy law in the Middle District of Louisiana Bankruptcy Court which
include the following parishes: East/West Baton Rouge, East/West Feliciana, Ascension,
Livingston, Iberville, Pointe Coupee and St. Helena.
We strongly suggest that you consider choosing an attorney who has long-standing local
ties, such as The Carmichael Firm.
Experience . If you needed medical surgery, you would obviously want to have a doctor
who has experience performing the type of surgery you need. The same holds true with
attorneys. Bankruptcy is a complex process. You deserve, and need, an attorney
experienced in the area of bankruptcy law. Attorney Booker T. Carmichael has represented
consumer bankruptcy clients, business bankruptcy clients, and Chapter 7 bankruptcy
trustee. Our legal assistants and staff have many years of experience in the bankruptcy
field. This combined experience will be available to you as one of our clients.
Respected. You need, and should choose, a lawyer who has the respect of the legal
community. The Carmichael Firm prides itself on providing quality legal services to its
clients and enjoys the respect of the legal community. Numerous other attorneys have
indicated their confidence in our firm by referring their clients to us when those clients
need bankruptcy representation. If lawyers have enough confidence in The Carmichael
Firm to refer their clients to us, then you can retain The Carmichael Firm with equal
confidence. We encourage you to verify our reputation with your own attorney or with any
other source.
Specialized But Well-Rounded. The Carmichael Firm handles virtually all aspects of
bankruptcy, including both consumer and business Chapter 7 cases, and consumer and
business Chapter 13 cases. In addition, The Carmichael Firm has represented creditors in
Chapter 7, Chapter 13, and the Trustee in Chapter 7 cases.

Compatibility. Ultimately, you should choose an attorney with whom you feel comfortable
working with. Bankruptcy is a difficult and often stressful process. You need a lawyer who
will treat you as an individual and not a number. We treat our clients with the dignity they
deserve and see to it that the Court system does likewise. You need someone you can
openly and candidly discuss your case with because your attorney needs to know as much
as possible about you and your case in order to effectively represent you. At The
Carmichael Firm, we pride ourselves on being good listeners and getting to know our
clients. We know that most of our clients never dreamed that they would ever need to hire
a bankruptcy attorney. We will help guide you through this difficult time in your life.

Bankruptcy FAQs

In most cases, filing a bankruptcy can help your credit. When you file a bankruptcy, you
start the credit building process all over again. Any of the negative items currently on your
credit will no longer be able to hold you back. Within two to three years, you can have good
credit again.
5 Steps to rebuilding your credit:
1. File for bankruptcy. Call us today for a free, confidential consultation.
2. Wait 45 days after filing. Go to annualcreditreport.com and pull your credit report.
Ensure all your creditors are reporting your accounts in bankruptcy.
3. Following the closing of your bankruptcy case, borrow a small sum of money from a
lender and pay if off on time.
4. After 24 months (two years) of repayment, your score is commonly between 650 to
700. (Scores range from 300 to 850 and are used to predict how likely you are to
pay your bills on time. The higher the score the better off you are.)

5. Check your credit report every year on annualcreditreport.com.
Your right to one (1) free credit report per year is mandated under the Fair and Accurate
Credit Transaction Act of 2003. Unlike the credit report, information about your credit
score is not free (but it is important). Your score can affect many things, including your
ability to get loans, your insurance premiums, and even your employment. It's a good idea
to pay the modest additional fee to get your score and ensure you have maintained a good
rating. You can use your credit report to correct errors, identify fraud, and to safeguard
against the threat of identity theft.

For more information please visit
http://www.thecarmichaelfirm.com


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