1-800-671-4100
  • 
    1-800-671-4100
Fort Smith, AR

Fort Smith Bankruptcy Lawyer

Secure the compensation you deserve

Do I Have a Case?

Need a Fresh Start? Let an Arkansas Bankruptcy Attorney at Caddell Reynolds Help

If you are drowning in debt, avoiding your phone and mail, and worried there are bill collectors lurking around every corner, Bankruptcy may be a solution for you. Our experienced Bankruptcy attorneys in Arkansas can help you develop a reorganization plan to get your finances back on track.

We can explain the two main types of Bankruptcy available to individuals – Chapter 7 and Chapter 13. We’ll learn all about your situation and advise which one will work best for you. Generally, this decision depends on your overall financial circumstances and the type of debt you have.

Bankruptcy law is complicated and can be confusing. Don’t face the bankruptcy process alone. Contact the skilled Fort Smith bankruptcy attorneys at Caddell Reynolds Law Firm to schedule a free consultation.

Types of Bankruptcy

Bankruptcy laws are complicated. To make matters worse, a great deal of speculation, rumor, and misinformation surround the process of filing a Bankruptcy claim. For example, many people believe the common misconception that Bankruptcy is a sign of money mismanagement or financial failure.

Most people also think those who file for Bankruptcy will be financially ruined forever. Let’s dispel these rumors with some facts about filing for Bankruptcy in Arkansas.

A Bankruptcy filing can take many forms, including:

  • Chapter 7: This type of Bankruptcy will relieve individuals of most of their debts with a few exceptions. Common debts that may not be discharged in Chapter 7 cases include taxes, some student loans, and domestic support obligations such as alimony or child support.
  • Chapter 11: This type of Bankruptcy is a way for viable businesses to receive additional time to meet their debt obligations and reorganize their debts and contracts under the supervision of the Bankruptcy Court.
  • Chapter 12: This type of Bankruptcy is designed for family farmers and family fishermen with a seasonal income structure. It may also include individuals who cut timber in their ordinary course of business.
  • Chapter 13: This form of Bankruptcy is for people who have fallen behind on their debt payments but have enough income to make payments over time. With the protection of the Bankruptcy Court, these debtors are provided a chance to gradually reorganize debts and may even see debts paid in full or discharged.

The Arkansas Bankruptcy Attorneys at Caddell Reynolds Law Firm help potential Bankruptcy filers better understand their options before they file. We can also offer advice to help those who have already filed but are facing challenges meeting their obligations get back on track more quickly.

Our team can assist you during a Bankruptcy in many ways, including:

  • Helping you spend wisely: If you do not carefully control your personal and household spending, you could end up right where you started.
  • Helping you open a low-limit credit card: Even in the middle of an Arkansas Bankruptcy, obtaining a low-limit, secured credit card can be easier than you might think. This is one of the first ways you can start rebuilding your credit history.
  • Helping you make credit payments on time: Making timely payments is vital to rebuilding your credit history. Meanwhile, missing payments will dig you deeper into a financial hole.

If your financial struggles are tied to an inability to work, we can also help you as a Fort Smith social security disability attorney to secure the benefits you need to stabilize your income and regain control of your finances.

Fort Smith Legal Resources:

  • Arkansas Bar Association – The ArkBar represents its members’ interests, provides money-saving services, promotes the profession, and alerts members to the issues created by proposed legislation that affect their law practice.
  • Fort Smith Police Department – The Fort Smith Police Department is dedicated to protecting and serving the citizens of Fort Smith.
  • Sebastian County Clerk – The Sebastian County Clerk is the official bookkeeper for the county. In addition to managing important financial documents, the county clerk also performs secretarial duties, handles voter registration, issues marriage licenses, and records mortgage deeds.

When You Need a Bankruptcy Attorney in Arkansas, Our Fort Smith Bankruptcy Lawyers Can Help

If you are considering Bankruptcy proceedings, call Caddell Reynolds Law Firm at 800-671-4100 or fill out our online contact form. Unlike many Bankruptcy law firms, when you call us, you’ll speak with one of our top attorneys absolutely FREE. Find out if Bankruptcy is a good solution for your financial issues.

Secure Your Future

Ready to Discuss Your Case?

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testimonials

What Our Clients Say

We are grateful for the trust our clients have placed in us over the years.

Do I Have a Case?
learn more about us
— Bruce

— Bruce

I was in an accident that sent my wife and I to the hospital. Our car was also totaled. We asked for help from Caddell Reynolds Law Firm. We worked with Kirby and Jessica and are so very happy and grateful for all of their hard work. We were compensated appropriately in a very timely manor. Thank you Kirby and Jessica.

— Russell

— Russell

Caddell Reynolds is currently representing my wife and I in the Ft. Smith office. I really like the direction that we are going in. Bill and his staff have been very helpful and knowledgeable as to the needs of the case and I would like to thank them for their efforts.

— Josh

— Josh

I was in a car accident last November and Kirby McDonald was there for me. After handling my wife’s car accident and taking care of her, I was very thankful that he took my case as well. Anytime I had questions he would answer promptly and he worked fast. I highly recommend!! Thank you Kirby, from my wife and I.

— Vessie

— Vessie

I would like to thank Mr. Joel Hargis for all his hard work and dedication to my case. Also Ms. Judy Gwatney for assisting him as well. If you are looking for a capable Bankruptcy Lawyer, Mr. Hargis is the person you are looking for. Caddell Reynolds Law Firm has very capable Lawyers, so look them up for all your needs.

— Preston

— Preston

Mr. Caddell is very professional and straight up guy. If anybody ever needs a lawyer for disability, I recommend Reynolds Law Firm all the way. Very simple if you win you win but if you lose nothing is owed. 20% isn't much compared to the rest of your life. Thank y'all so much for accepting to represent me.

— Teofila

— Teofila

I really love the place where Mr Blake is located in Caddell Reynold Law Firm. They were very honest very nice and very understanding. I recommend anyone that needs help with Social Security. You won’t regret it believe me. I know he has helped me and I really appreciate him.

— Ben

— Ben

I was so happy that we used Caddell Reynolds for our bankruptcy. A special thank you to Judy Gwatney for all of her help and support. She is very knowledgeable and was very easy to work with! Judy made something kind of scary very calming to us. Caddell Reynolds puts the client at ease and as I said before, Judy was an absolute pleasure to work with!

— Laura

— Laura

Meagan helped me find Ray who helped me deal with my situation. They especially helped me where I couldn’t help myself. They helped me find proper medical support and spoke up for me as a client. Every time I called to check in Meagan was always very personable and helpful to get me the answers I needed. I don’t know where I’d be without them!

— Clinton

— Clinton

Thank you, Kirby McDonald and Jessica Whorton. With the settlement you secured from my injury, I was able to purchase the first decent vehicle I've owned since the accident. Great job I highly recommend Kirby and Jessica. Thank you again.

— Livemas1996

— Livemas1996

This law firm worked hard over the course of two years to make sure I was properly taken care of after a truck slammed into me.  I am now back to full health and they fought for a fair settlement. Thank you!

— Misty

— Misty

Blake ray and Austin have been amazing and handled everything with my disability/Social Security case .He made everything so easy and easy to understand. And he won my case for me in a short amount of time. I would 100% recommend Blake/ray for an attorney and his associates. Thank you so much for doing a great job!

— Angie

— Angie

I received my bankruptcy discharge today and I'd like to say, Emily and Pati were amazing throughout the process. They explained the processes and expectations clearly and was always available to answer any questions that I had. I highly recommend Caddell Reynolds Law Firm to anyone considering bankruptcy. They are the BEST in NWA.

— Brooka

— Brooka

My husband suffered a debilitating and life-altering injury at a relatively young age and became unable to work. Having to adjust to this was already overwhelming, so we reached out to Fred Caddell for assistance in applying for disability benefits. He and his office staff were extremely helpful and positive throughout the entire process, especially through the appeal.

— Greg

— Greg

We would just like to say that my wife and I were in a very unfortunate situation that was an emergency. Joel and Nita went above and beyond to help us out of that emergency situation and made the experience for us a very comforting and seamless one as well as stress free. Everything went through without any complications and in a very timely fashion.

— Karen

— Karen

Great experience, kept me updated and informed about everything concerning my bankruptcy. Made the experience easy in a difficult time in my life.

— Barbara

— Barbara

I am very happy with how they have handled my case and today officially is the day it got closed! They dealt with some stubborn collectors, but ended up getting me money that was taken from me So I was so very thankful for that. They helped me maintain a payment plan that suited our needs financially and made it possible for us to continue paying this bankruptcy, and that meant a lot.

— Gabriela

— Gabriela

A year ago, my parents were in a car accident in Dallas. It was a horrible and very stressful situation for us. Fortunately, we found Kirby McDonald at the Caddell Reynolds law firm. He came to our house for the initial consultation because it was difficult for my mom to leave the house due to the accident. It took so much stress off our shoulders to know that there was someone advocating for us.

— Shelley

— Shelley

My husband has Parkinson’s and has been steadily getting worse. Abby took his case for disability. She is very through, reliable and trustworthy in handling your case. Abby is awesome!!!!!!

— Danietta

— Danietta

I highly recommended Judy and Rusty they have the best customer service and they explained everything that made me have a better understanding of filing a bankruptcy.

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