If you file for Chapter 7 bankruptcy before you’ve paid off the entire loan, however, the lien will still exist after the bankruptcy discharge. As your attorney, it’s important Kentucky Bankruptcy Lawyer to me to get to know your particular situation and discuss your financial goals. Often times my clients are under a ton of stress and at their wits’ end. Learning that a bankruptcy which may impact you has been filed can be disconcerting.

Chapter 9 Bankruptcy

Ms. Hirsch has 23 years of experience in bankruptcy law, and can work quickly to stop foreclosures, garnishments, and liens. She can also help you get protection from debt collectors, and help you set up a bankruptcy plan for your medical bills, credit card accounts, and other unpaid debts. If the future of your business is in jeopardy, you have options, but you should only explore those options with a seasoned attorney in your corner.

Bankruptcy Lawyers In Louisville, Kentucky

To propose a repayment plan, you will need to gather financial information, including your income, expenses, and debt obligations. You will also need to determine which debts you want to prioritize, such as your mortgage payments, and which debts you can afford to pay off over time. If you feel you’re a victim of creditor harassment, contact an experienced Kentucky bankruptcy attorney at O’Bryan Law Offices today. You have the right to sue debt collectors for harassment, but many debtors are unaware of this right. If a debt collector violated any part of the FDCPA in their communications with you, you can also file a complaint with the state or federal government.

If these benefits outweigh the benefits of bankruptcy for you, we invite you to a free consultation at one of our locations. Our Kentucky bankruptcy lawyers can analyze your situation inside and out to determine which course of action is best for you. Even though we dedicate a large portion of our practice to helping consumers file Chapter 7 Bankruptcy and Chapter 13 Bankruptcy, we also understand that it’s not for everyone. In fact, there are some notable positives to consolidating debts that don’t come with bankruptcy filings. Often, when consumers hear the word “bankruptcy,” they immediately shy away, because there’s a widespread misconception about how damaging filing for bankruptcy actually is.

While many of these companies are reputable and fair, others prey on desperate consumers looking to be debt-free. Below, we briefly outline how these companies work, as well as what to look out for. We’re just a 20-minute drive west of Mount Washington, so don’t hesitate to contact us if you’re in need of legal help. We’re a straight shot down KY-44 W for 10 miles, and then you’ll turn left onto Joe B. Hall Avenue and right onto S Buckman Street.

If you’re unsure whether it’s the right decision for you, speak with an experienced bankruptcy attorney. He or she can help you understand the process and decide if it’s the best option for your particular situation. The decision to file for bankruptcy can be overwhelming and stressful. Every year, thousands of people file for bankruptcy across the state of Kentucky. In fact, the bankruptcy laws were put in place to help individuals like you who are facing financial difficulties. Filing for bankruptcy affords the opportunity to eliminate bills or restructure debt into a payment plan that you can afford.

Should I ever have another issue, I certainly know who I’ll be calling. After the loss of a loved one, our experience will help you get through the probate process. As long as you bring your picture ID and appropriate proof of your Social Security number, it will be over before you know it.