Business Details
31 Years
experience
Emergency
services
Trusted Bankruptcy Lawyers in North Little Rock, AR
At Pray Law Firm, we specialize in providing comprehensive bankruptcy solutions to individuals and small businesses facing financial hardship. With over 25 years of exclusive focus on bankruptcy law since 1995, our team has successfully guided thousands of clients through Chapter 7 and Chapter 13 proceedings. We offer emergency bankruptcy filings to protect assets from foreclosure, repossession, and wage garnishment while maintaining a client-centered approach that prioritizes transparency and ethical representation.Our attorneys hold active memberships in the Arkansas Bar Association and National Association of Consumer Bankruptcy Attorneys, ensuring we remain at the forefront of evolving bankruptcy regulations. We serve clients across Central Arkansas with personalized legal strategies designed to restore financial stability and provide lasting relief from debt burdens.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Emergency Bankruptcy Filings
Secured Debt Management
Unsecured Debt Relief
Details
- Year established: 1995
Highlights and features
- We offer emergency bankruptcy filings to stop foreclosure and repossession
- Our attorneys have 25+ years of exclusive bankruptcy law experience
- We've successfully handled thousands of Chapter 7 and Chapter 13 cases
- Dedicated to transparent, client-focused legal representation
- Local expertise serving Central Arkansas communities since 1995
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy provides debt relief through asset liquidation for qualifying individuals. This process eliminates unsecured debts while protecting essential assets. Our experienced attorneys guide clients through the means test requirements and exemption protections to achieve financial fresh starts.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy establishes structured repayment plans for debtors with regular income. This option allows clients to retain valuable assets while repaying creditors over 3-5 years. We help clients develop court-approved payment plans that address secured and priority debts.
Emergency Bankruptcy Filings
Emergency bankruptcy filings provide immediate protection from creditor actions. This service stops foreclosures, repossessions, and wage garnishments within hours of filing. Our team handles urgent cases with same-day response to protect clients' assets and financial futures.
People
Kent L. Pray
Founding Attorney
Kent L. Pray has practiced exclusively in bankruptcy law since 1995. He has handled thousands of Chapter 7 and Chapter 13 cases for individuals and small businesses. A former President of the Debtor-Creditor Bar of Central Arkansas, he brings deep local legal expertise to each client.
Christian Frank
Bankruptcy Attorney
Christian Frank specializes in debtor/creditor law with over 20 years of experience helping clients resolve financial challenges. He has represented thousands of clients in bankruptcy proceedings since 2001, focusing on practical debt solutions that align with long-term financial goals.
Questions
What types of bankruptcy do you handle?
We specialize in Chapter 7 and Chapter 13 bankruptcies for individuals and small businesses. Our attorneys help clients choose the best option based on their financial situation and debt composition.
Can you stop wage garnishment immediately?
Yes, our emergency bankruptcy filings can typically stop wage garnishment before funds are withdrawn from your next paycheck. We often complete this process within hours of initial contact.
How long does bankruptcy stay on credit reports?
Chapter 7 bankruptcy remains on credit reports for 10 years, while Chapter 13 appears for 7 years. We provide guidance on rebuilding credit during and after the bankruptcy process.
What documents are needed for initial consultation?
Bring six months of income proof, two years of tax returns, property assessments, and creditor information including balances, account numbers, and loan documents for vehicles or real estate.
