Bankruptcy counsel in Arkansas and New Mexico.
Explore Chapter 7 or Chapter 13 with Asa King. Start with a free 30-minute consultation by phone or video.
Send your contact details and our office will reach out, usually within one business day, to arrange a time that works for you.
Chapter 7: $1,500 attorney fee, which covers the two required courses, plus the $338 court fee. See what is included and what costs extra.
Request a free consultation
Please do not send confidential documents through this form. Requesting a consultation does not establish an attorney–client relationship or stop a deadline. If a deadline is approaching, call (870) 212-4700.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Attorney advertising. Contacting this office does not create an attorney–client relationship; representation begins only when a written agreement is signed.
Asa King, Attorney at Law, licensed in Arkansas and New Mexico.
Asa advises you on your options and reviews your petition with you before filing.
Alyza coordinates scheduling and documents under Asa's supervision.
Where to start.
Most people who contact this office are individuals and couples weighing Chapter 7 against Chapter 13. Creditors, businesses, and other lawyers have a separate route.
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Chapter 7
For people with unsecured debt they cannot realistically repay and property that fits within the exemptions.
How Chapter 7 works -
Chapter 13
For people behind on a mortgage or car who want to keep it, or whose income or property rules out Chapter 7.
How Chapter 13 works -
Creditors, businesses, and counsel
For a creditor matter or a dispute in bankruptcy court in Arkansas or New Mexico, on a conflicts-screened basis.
Creditor representation
Chapter 7 and Chapter 13, explained.
Chapter 7
Chapter 7 can eliminate many unsecured debts. Some debts survive bankruptcy, and property protection depends on exemptions, equity, liens and your circumstances.
A trustee reviews your schedules, you attend a short meeting of creditors, and if no one objects the court enters a discharge, typically three to five months after filing. Whether Chapter 7 is available turns on your income, your property, and any prior case, which is what the consultation is for.
Chapter 13
Chapter 13 is a court-supervised repayment plan lasting three to five years. You make one monthly payment to a trustee, who distributes it to creditors under a plan the court confirms. Missed mortgage or car payments can be spread across the plan while you keep the property, and some debts Chapter 7 cannot discharge can be paid over time under court protection.
Chapter 13 is often the route for people whose income is above the Chapter 7 limits, who own property Chapter 7 would not protect, or who need time more than they need a quick discharge.
What filing does to collection
Filing bankruptcy generally creates an automatic stay that pauses many collection lawsuits, wage garnishments and collection efforts. Exceptions and repeat-filing rules apply; we review what protection is available in your situation.
State law shapes the details, from exemption amounts to how a foreclosure proceeds. The Arkansas guide and the New Mexico guide answer the questions people in each state ask most.
Who does the work.
Asa King, attorney
Asa King is licensed in Arkansas and New Mexico and files cases in the Eastern and Western Districts of Arkansas and the District of New Mexico. He is a solo practitioner and the only attorney on every matter: the consultation, the advice, and the signature on the petition are his. Asa prepares the petition and schedules and reviews them with you before anything is filed.
He attends the meeting of creditors with you. The bankruptcy courts in Arkansas and New Mexico currently hold most of those meetings by phone or video, so many routine cases involve no travel at all.
Alyza Olmilla, paralegal
Alyza Olmilla, paralegal, holds a law degree from the Philippines and is not licensed to practice law in the United States; legal advice comes from Asa, and her work is done under his supervision.
In practice she is often the person who calls to arrange your consultation and tells you which documents are needed and how to send them.
How it works, and what it costs.
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Step 1
Free consultation
A free 30-minute conversation with Asa by phone or video. He asks about your income, property, and debts, and tells you which path he would recommend, including not filing. No documents are needed for this first conversation.
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Step 2
Written terms
After the consultation you receive the written disclosures the Bankruptcy Code requires. If you decide to go forward, you also receive a written agreement that states the services, the fee, and the payment terms. Nothing is owed until you sign it.
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Step 3
Preparation and review
Our office tells you which documents to provide and how to send them securely. You complete the required credit-counseling course, Asa prepares the petition and schedules, and he reviews everything with you before anything is filed.
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Step 4
Filing and after
The case is filed once you authorize it. About a month later you attend a short meeting of creditors, usually by phone or video, with Asa. In Chapter 7 the discharge typically follows a few months after filing; in Chapter 13, plan payments begin within 30 days of filing and continue for three to five years.
Know the fee before you decide.
Chapter 7: $1,500 attorney fee for a standard consumer case, individual or joint, due before filing, plus the $338 court filing fee. Chapter 13: $3,500 attorney fee; $1,500 plus the $313 court fee before filing, and the $2,000 balance through the plan, subject to court approval. The attorney fee covers the two required courses. Every fee is confirmed in a written agreement; work outside the standard scope is billed separately.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Attorney advertising. Contacting this office does not create an attorney–client relationship; representation begins only when a written agreement is signed.
For creditors, businesses and counsel
When a bankruptcy case affects your business.
Asa King considers representation in selected creditor matters and disputes in bankruptcy court in Arkansas and New Mexico.
Selected questions.
Plain answers to the situations that bring most people here. Each one links to a longer page. Sued by a debt collector? Start with the first card.
Request a free consultation Call (870) 212-4700
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Sued by a debt collector?
A collection lawsuit has a deadline to respond, and an unanswered suit usually ends in a judgment. Bankruptcy is one answer; defending the case is another. Read this before the deadline passes.
What to do about the lawsuit -
Can bankruptcy stop a wage garnishment?
Filing generally pauses most garnishments through the automatic stay, with exceptions such as child support. How much of your pay can be taken in the meantime depends on your state.
Wage garnishment -
Behind on the mortgage?
Chapter 13 lets many homeowners catch up missed payments over three to five years while keeping the house. Timing matters, especially in Arkansas, where a foreclosure can proceed without a lawsuit.
Foreclosure -
Car repossession
What a lender can and cannot do when it takes a car, whether you can get the car back, and how Chapter 7 and Chapter 13 treat the balance still owed on the loan.
Car repossession -
Medical debt
Hospital and doctor bills are generally dischargeable in bankruptcy. Rules on collections and credit reporting also apply well before anyone files.
Medical debt -
Can they take my stuff?
Social Security, disability benefits, and a share of wages and property are protected by law. Sometimes the answer is that you do not need to file, and Asa will say so.
What a judgment can reach
Also: Payday and online loans · Debt settlement vs. bankruptcy · Arkansas bankruptcy guide · New Mexico bankruptcy guide
Contact.
- (870) 212-4700
Phone answered Monday–Friday, 9 a.m.–5 p.m. Central. Messages are usually returned within one business day. - asa@asaking.law
- Consultations by phone and video, by appointment. No walk-in office.
- Mailing address: 15009 Woodruff Lane, Trumann, AR 72472.
Ready to talk?
Send your details through the form at the top of this page, or call. Either way, the next step is a free 30-minute conversation with Asa, and you decide what happens after that.
Request a free consultation Call (870) 212-4700
If a court date, garnishment, foreclosure sale, or repossession is close, call rather than wait for a callback. Sending a form does not stop a deadline.