Services
Our experience includes navigating complex legal issues in consumer & corporate financial cases from a wide range of income levels.
Bankruptcy
Chapter 7
Chapter 13
Commercial Entities
Creditor Rights
Loan Modification
Conventional Mortgage Modification
Flex Mortgage Modification
COVID Modification
Debt Resolution
Debtor Defense
Forfeiture
Foreclosure
Documents
Online document management
for ease of access from the
comfort of your home
Experienced Bankruptcy Attorneys in Louisiana and Texas
Bankruptcy is a legal lifeline when you are drowning in debt. It helps people & businesses who can no longer pay their debts with a fresh start when finances have collapsed through a legal process that either reduces, restructures or eliminates your debts.
Consolidate
Debt
Into One Payment
Multiple bills can be overwhelming. Creating a plan that allows you to make one payment for all debt.
Discharge Unpayable Debt
You Cannot Afford
Life happens. Things change. This is your insurance policy to make sure changes don't ruin your life.
Affordable & Personalized
Financial Solutions
We create a tailored plan based on current income, debt and value.
Relieve Obligations
From Unfair Purchases
We've all been swindled by an unfair purchase. This is a way to make it right by you.
Loan Modification
We work with creditors- changing loan terms through interest rate reduction, length of repayment or a change in loan type.
Bring Account Current
Once terms are accepted, you will no longer have to worry about late fees or catching up on payments.
Reduced Monthly Payments
Based on your current income so it's more affordable.
Reduced Principle
That makes sense for your current financial situation.
Debt Resolution
Legal defense from predator debt actions & negotiate repayment terms based on what you actually owe and can afford.
Credit Cards
A reduction in principle or interest rate.
Medical Bills
Reduced or eliminated.
Personal Loans
Relieved at a much lower balance.
OUR WORK
Below are stories of a few people we have helped obtain a new financial future.
John
*Names were changed to protect confidentiality*
PURCHASED 2 CARS AND A HOUSE WITHIN 2 YEARS OF FILING
John lost his job in 2018. Shortly thereafter, he lost his house in foreclosure and cars to reposession. He parked his family's tow-behind trailer in his in-law's driveway, and purchased two old vehicles at a high interest rate to ensure his family had transportation. John got back on the job. He had to work 60 hours a week to afford the $2,000/mo trailer payment and $1,800/mo car payments.
We were able to help John.
He became debt free by October of 2020!
Reduced his work hours from 60 to 45 a week.
John was able to purchase two NEW cars and a house!
Sally
*Names were changed to protect confidentiality*
GOT A FRESH START
Sally was on vacation with her family when they were involved in a car crash. Her son spent days in the hospital with her by his side. With everything that was going on, Sally neglected her health and diabetic condition and ended up in a coma. When she came out of it, the medical bills and job loss were overwhelming and put her in a terrible spot.
We were able to help Sally consolidate her debt.
She was able to keep her house.
After working with us, Sally got the chance to start a new life!
TEAM MEMBERS
Our talented team is ready to help you obtain a fresh start.
Morley Diment
Managing Partner
Bankruptcy Attorney with a passion for crafting creative solutions.
Robert W. Hoke
Partner
Bankruptcy Attorney and graduate of Louisiana State University.
Christen DeNicholas
Associate
Bankruptcy Attorney and Tulane University graduate.
Steven Munson
Partner
Certified Public Accountant & Bankruptcy Attorney serving Houston.
Ready to get started? Don't Delay!
FREQUENTLY ASKED QUESTIONS
Below is a list of commonly asked questions regarding our services.
While bankruptcy does have an immediate impact on credit score, it’s not what you’d expect. For many people, their credit score is actually improved because it removes many of the “derogatory” marks—the things that lower your score—from your credit report.
While bankruptcy does have an immediate impact on credit score, it’s not what you’d expect. For many people, their credit score is actually improved at the conclusion of a bankruptcy because it removes many of the “derogatory” marks—the things that lower your score—from your credit report. Even more interesting is that for many, their access to credit is improved. “Most people don’t realize that mistakes from their past like evictions, repossessions, or accounts in collections are highly impactful on credit decisions. Having a bankruptcy, for many lenders, is a factor that impacts interest rates – not approvals. This is especially true after two years since your bankruptcy. Many people are further from realizing their dream of buying a house or a car than they thought – because of derogatory marks. Once they file for bankruptcy, they end up closer to that goal than they were before.
Generally, no. That’s part of why there are lawyers – to make sure you don’t do it wrong and lose everything! In fact, filing for bankruptcy does not mean you have to sell everything and, often, it can even improve your payments on the stuff you do keep or let you pay them off faster. Many bankruptcies aren’t even designed around canceling the debt. Instead, they focus on reducing interest rates and restructuring payments so you can afford to pay your debts and get back on your feet. Diment & Associates can help you plot a course to get out from under your ever-growing mountain of bills and on to a healthier financial future. Often, it’s a matter of restructuring debts and changing some spending habits.
If your spouse is on the loan, his/her credit score will improve when the debt is discharged. However, filing together usually provides the better solution because debt from both parties will be eligible for discharge.
Discuss your concerns with one of our attorney's. Based on your situation, they will advise you on the best action plan. When you are ready to move forward, an agreement to retain council is completed. Once council is retained, you collect and submit statements of accounts and assets to our online portal and complete a credit counciling course. When you receive the certificate for completing the course, we can file a petition to the court. Then there is a meeting of creditors held by a court trustee to review and discuss the case. All parties are required to attend. Please note, our service is all inclusive, meaning there are no additional fees or charges you will incur for filing.
Bankruptcy is a legal process where debtors (people who owe money) are able to get most, if not all, bills discharged (wiped out), keep most if not all of their property and get extra time to pay debts if they receive income. Once the bankruptcy begins, creditors cannot try to collect from the debtor or sue the debtor to obtain a judgement.
Out of court settlement, reduction of payment, help from consumer credit counseling services, or payment of debts by selling or borrowing on property. These options, however, require cooperation from creditors and are more likely to succeed if tried right after financial difficulties begin.
No. It is illegal for either private or governmental employers to discriminate against a person as to employment solely because that person has filed for bankruptcy. It is also illegal for local, state, or federal governmental units to discriminate against a person as to the granting of licenses (including a drivers license), permits, student loans, and similar grants because that person has filed for bankruptcy.
The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute an attorney-client relationship. Please contact us for offical representation.
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