Practice Areas

  • Chapter 7 vs Chapter 13
  • Emergency Filings-Protect you and your property
  • Secured Debts and Bankruptcy
  • Income Tax Debt
  • Home Foreclosure
  • Car Repossession
  • Wage Garnishment
  • Credit Card Debt
  • Medical Debt
  • Mortgage Debt


Secured, Unsecured, and Priority Debts.

Chapter 7 Bankruptcy

Reaffirming the secured debt, which means the debt will survive the bankruptcy, and you will need to catch up and continue making payments

Chapter 13 Bankruptcy

Past-due secured debt as part of the repayment plan and continue making payments going forward.


Kent Pray

Kent Pray

Kent Pray is a member and former President of the Debtor-Creditor Bar of Central Arkansas, a member of the National Association of Consumer Bankruptcy Attorneys, and all attorneys are members of the Arkansas Bar Association.

What Does Your Debt Look Like?

People often procrastinate filing bankruptcy or explore potentially hazardous alternatives simply because they have been misinformed about how Bankruptcy works. Let our experts help you!

501-771-7733Toll Free: 877-772-9529


Monday - Friday
8:00am - 4:30pm

Saturday & Sunday

Pray Law Firm
3807 McCain Park Drive, Suite 108
North Little Rock, AR 72116

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