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Initial consultations are always free. To start your case, we require a $500 down payment. For Chapter 7, the remaining fees and court costs must typically be paid before filing. For Chapter 13, the remaining attorney fees can often be paid through your court-approved payment plan. We’ll give you exact numbers during your free consultation — no surprises.

No. This is one of the biggest myths about bankruptcy. Arkansas has generous exemptions that protect your home, car, retirement accounts, and personal property in most cases. The vast majority of people who file Chapter 7 keep everything they own. We’ll review your specific assets during your free consultation.

Bankruptcy does appear on your credit report, but for many people, their credit score actually improves relatively quickly after filing because their debt-to-income ratio drops dramatically. Most clients can qualify for a car loan within a year and a mortgage within 2-3 years. If you’re already behind on payments, your credit is likely already suffering — bankruptcy gives you a clean slate to rebuild.

In most cases, yes. Chapter 13 is specifically designed to help you catch up on missed payments and keep your property. Even in Chapter 7, you can typically keep your car if you’re current on payments and the equity is within Arkansas exemption limits. Keeping your home and car is usually our top priority.

Yes, immediately. The moment your case is filed, an ‘Automatic Stay’ goes into effect — a federal court order that stops wage garnishments, foreclosure proceedings, repossessions, and most other creditor collection actions. If you’re facing an emergency, we offer same-day filing.

Debt relief companies are not law firms. They cannot represent you in court, cannot file bankruptcy on your behalf, and cannot stop a lawsuit or garnishment. They often charge high fees with limited results. As a licensed attorney, we can negotiate with creditors AND file bankruptcy if needed — giving you leverage that debt relief companies simply don’t have.

Contact us immediately. If you’ve been served with a lawsuit, you typically have 30 days to respond. Filing bankruptcy can stop the lawsuit through the Automatic Stay, but timing matters. We offer same-day emergency filing when needed. Don’t wait — a default judgment makes everything harder.

Most unsecured debts including credit cards, medical bills, personal loans, and old utility bills are dischargeable. Student loans and recent tax debts are generally not dischargeable, though there are exceptions. We’ll review your specific debts during your free consultation and tell you exactly what can and cannot be eliminated.

You’ll attend one brief meeting called the ‘Meeting of Creditors’ (341 Meeting), which is currently conducted by phone or Zoom — so you can attend from home. It typically lasts 5-10 minutes. We’ll be there with you and prepare you for every question.