Below, we list other notable indicators of Kentucky debt for consumers. Estate planning plays a crucial role in ensuring our loved ones such as a spouse, children, grandchildren, and siblings are taken care of after our passing requires a careful estate plan. Contested and uncontested divorce, military divorce, child custody and visitation, child support, maintenance, property division, adoption, guardianship and domestic violence. If you’d like to learn more about how bankruptcy works here in the Louisville Foreclosure Lawyer state of Kentucky, please don’t hesitate to read our Bankruptcy FAQ or our page for Bankruptcy Tips. Next, creating a plan to maximize case results and achieve your priorities for privacy, cost and deadlines.

Why File A Chapter 7 And Then A Chapter 13 To Stop A Foreclosure Sale?

Our legal team is here to represent you and help you move on to a brighter future. Though it is not usually used by individuals, Chapter 11 bankruptcy protection is an option for individuals as well as businesses. Chapter 11 allows qualified individuals to reorganize and repay their debts over time.

If you’re looking for a bankruptcy attorney in Louisville, Kentucky who has the compassion and experience to help you get a fresh start, you’ve come to the right place. We understand that an unexpected illness, the loss of a job, or even something as joyous as the birth of your first child can cause financial stress for you and your family. The LII Lawyer Directory contains lawyers who have claimed their profiles and are actively seeking clients.

Providing Legal Guidance For Families In Oldham, Spencer, Shelby, Bullitt, Anderson, And Franklin Counties

Everyone was so helpful, super accommodating and I always felt I was in good hands. [newline]The medical expenses can be overwhelming, time missed on the job can put a significant strain on family finances, and there may be many more questions, including questions about the future. An injury can affect a person’s ability to work and be a difficult adjustment for the entire family. You must send these documents early enough so that the trustee receives them no later than 7 days before the 341 meeting. Your trustee may have an earlier deadline, so ensure that you know how much time you have to submit your documents.

With our office you can file a skeleton petition so you can get all the benefits immediately and prepare the majority of the petition the next day. Then, the garnishments stop immediately, the bank attachments end, and the harassment stops. With these cases, the law office prepares the majority of the petition the day after the case files. Collectors are not polite and will not work with you, but you are not under their control. 15,000+wills & estates planned by lawyers at O’Bryan and O’Bryan Law. We also counsel clients from all over Kentucky and Indiana on the following issues.

Under Chapter 7, a trustee is appointed by the court to collect and sell your nonexempt assets and distribute the proceeds to your creditors. You are allowed to exempt (keep) certain property, but most people who file for Chapter 7 have few, if any, nonexempt assets. Then you may have started looking at what options you have to relieve yourself of your debt. If you live in the United States, you have a few options to consider. They allow the consumer to either wipe out their existing obligations or repackage them into a payment plan that is repaid over a specified time frame.

What Will My Chapter 7 Discharge Order Look Like?

As a result, we can handle most of the typical client’s legal needs. If we can’t, we’ll refer you to someone who can, because competent representation is the cornerstone of our practice, and satisfied clients the key to our success. In fact, this chapter of bankruptcy is specifically designed for fishermen and family farmers who have regular annual income. Under Chapter 12, farmers or fishermen submit a payment plan to creditors, which generally allows creditors to receive payments over the course of three to five years.

Even if you are behind on federal student loans, you can have your disposable earnings garnished. For this, the Department of Education can garnish up to 15% of your disposable income. The federal government has placed limits on amounts for garnishments.

A bankruptcy attorney can help an individual or a business entity file for Chapter 7 bankruptcy if they qualify for it. Then, unless there are legal disputes regarding the bankruptcy petition, the person filing for bankruptcy will usually receive a bankruptcy discharge. Additionally, a bankruptcy filing can only discharge a person from any debts incurred before the date they filed for bankruptcy. Any debts incurred after that day will still remain, meaning creditors can continue to collect on those debts after the bankruptcy discharge is issued.

We cannot represent you until we know that doing so will not create a conflict of interest with any existing clients. Only after you receive an engagement letter will you be our client and be properly able to exchange information with us. If you understand and agree with the foregoing and you are not our client and will not divulge confidential information to us, you may contact us for general information. ”, you may want to consider speaking with an experienced attorney about your case.

Work often gets filed late or goes unfiled because you didn’t pay for it. Or you lose property because he won’t do the work or doesn’t know how to do it. Sometimes the case has to be filed twice, which allows him to earn that cheap fee twice. In Chapter 7 bankruptcy, deficiency balances are considered unsecured debt and can be discharged, meaning you will no longer be responsible for paying them.