Lafayette Chapter 13 Lawyer

Chapter 13 Attorney in Lafayette, LA

Debt can infiltrate every aspect of your life, making it difficult to meet your basic needs. If you don’t make enough to pay off your debts with a regular income, you may be able to file for a Chapter 13 bankruptcy. Filing for bankruptcy can be daunting, but you don’t have to go through it alone. In fact, it’s highly recommended to connect with a Lafayette Chapter 13 lawyer.

Wiley & Jowers has handled complex bankruptcy cases in Louisiana for years. We’re familiar with Chapter 13 laws and know how to handle cases through the United States Bankruptcy Court for the Western District of Louisiana. No matter your story, you can count on us to see you through your case.

Chapter 13 Laws in Louisiana

There were a total of 565,759 bankruptcy filings in the US in 2025. This was an 11 percent increase from 2024. Following the national upward trend, Louisiana has also reported higher numbers of bankruptcies in recent years.

There were a total of 8,371 bankruptcy filings in Louisiana in a single year, including 6,413 Chapter 13 bankruptcies. Lafayette Parish is known for its lively entertainment scene, featuring events like Festival International de Louisiane. However, it’s estimated that over 40,000 people in the parish are living in poverty.

If you’re losing control over debt, you’re not alone. Our Lafayette Chapter 13 attorneys are here to help you understand your options for getting your life back on track as quickly as possible. If you’re considering filing for bankruptcy, Chapter 13 may be the right option for you.

Chapter 13 bankruptcy involves setting up a debt repayment plan with monthly payments made to a bankruptcy trustee. These payment plans are typically set for three to five years.

Every individual’s situation is unique, which can make it challenging to know the right option for getting a handle on your debt. In some cases, your situation might benefit from another form of bankruptcy.

An attorney can explain the differences between different bankruptcy options to help you choose the right one. Once you make the decision to file, they can assist you with the court process.

Local Lafayette Chapter 13 Lawyers Near You

Lafayette is one of the largest cities in Louisiana, with over 120,000 residents. That said, we treat every client who walks through our door at Wiley & Jowers like family. We’re proud to serve our community and strive to help as many people as possible find the financial relief they deserve.

With decades of experience under our belt, we’re confident we can handle your case. We take the time to hear your story and truly understand your situation. Moreover, we understand that every situation is unique, and we’re prepared to explore all your possible legal options to lead you to the right solution.

You can count on our team to provide creative solutions that are based on the details of your case. We don’t believe in a “one-size-fits-all” solution, so you can count on us to develop personalized legal strategies that address your needs.

FAQs About Lafayette, LA Chapter 13 Laws

What Are the Different Types of Bankruptcies Recognized in Louisiana?

There are several different types of bankruptcies recognized in Louisiana. This includes Chapters 7, 11, 12, and 13 bankruptcy. In Chapter 7 bankruptcy, the debtor gives up their property in order to pay creditors.

Chapter 11 is known as debt reorganization and is for those with large debts. Chapter 12 is solely for family farmers. Chapter 13 is also called “debt adjustment.” The debtor plans to pay off a portion of their debt from their income over time.

Can I Keep My Property When I File for Chapter 13 Bankruptcy in Lafayette?

Yes, you can keep your property when you file for Chapter 13 bankruptcy in Lafayette. To do this, your plan meets the requirements outlined by Louisiana’s bankruptcy laws. The purpose of Chapter 13 bankruptcy is to adjust your debts to help individuals pay off a portion of their debts without losing assets. As a general rule, your assets are protected since you’re repaying at least a portion of your debts.

How Can a Lafayette Chapter 13 Attorney Help With My Case?

A Lafayette Chapter 13 attorney can help with your case in many ways. When you hire a Chapter 13 lawyer, they complete any number of tasks to help you throughout your case, including:

• Drafting your repayment plan
• Fighting against harassment from creditors
• Managing tax debt
• Preventing foreclosure
• Protecting your assets.

An attorney can help you navigate Louisiana’s Chapter 13 laws in order to get your finances back on track.

How Much Does It Cost to Hire a Chapter 13 Lawyer in Lafayette?

The cost to hire a Chapter 13 lawyer in Lafayette depends on the details of the case. Many bankruptcy lawyers use a court-approved benchmark fee to base their prices on, but exact costs can vary based on case complexity.

You can typically expect to pay a small fee upfront when you hire a Chapter 13 lawyer. You then usually pay off the majority of their fees through the payment plan that you’ve created by filing for bankruptcy.

Hire a Chapter 13 Lawyer in Lafayette, LA to Help With Your Case

If you’re navigating a Chapter 13 case, it’s important to have a clear legal strategy in place to help you through this challenging time. Chapter 13 bankruptcy is typically a more nuanced process, which is why it’s recommended to hire a Chapter 13 lawyer.

A Lafayette Chapter 13 attorney can use their knowledge of Louisiana bankruptcy laws to improve your chances of getting through your case and accomplishing your debt relief goals. If you’re filing for bankruptcy in Lafayette, look no further than Wiley & Jowers to help you through your case.

Our legal team has years of Chapter 13 bankruptcy experience under our belt, and we’re ready to put it to work for you. Whether you have questions about your bankruptcy options or you’re ready to file, you can count on us. Contact our office to schedule your initial consultation with a member of our team today.