Full discharge; home and vehicle retained
The situation
After a hospitalization and a job loss, our clients were carrying about $60,000 in medical bills and credit-card balances with no realistic path to repayment. They were worried about losing their home.
What we did
- Completed the means test, which they passed comfortably as a household of two below the Louisiana median.
- Applied Louisiana’s homestead and vehicle exemptions to protect their house and both cars.
- Prepared and filed the petition and schedules, and represented them at the meeting of creditors.
The result
The court entered a discharge of all unsecured debt roughly four months after filing. The clients kept their home and vehicles and reaffirmed only the mortgage.
Client identity withheld; identifying details generalized. Past results do not guarantee or predict a similar outcome in any future case.