Fortunately, if you find yourself in this situation, you’re in the right place. Schwartz Bankruptcy Law Center is here to help you get your life back. Louisville Bankruptcy Lawyer Filing bankruptcy can feel overwhelming, especially when you have a stressful mortgage, car loan, or have medical debt piling up. Luckily, we have compiled a list of best practices (and worst practices) for your bankruptcy filing. The bankruptcy lawyers at O’Bryan Law Offices are here to help you get your financial affairs back on track. If you’ve racked up significant debt on your credit card account, it is possible for your situation to get much worse before seeing some debt relief.

Collect Your Kentucky Bankruptcy Documents

We will help you understand your options and determine which chapter of bankruptcy is right for you. Our clients have dealt with many of life’s challenges, resulting in overwhelming debt. They chose to address their debt head-on and give themselves the fresh start they deserve. Filing a chapter 7 bankruptcy or a chapter 13 bankruptcy can put an end to your wage garnishment. Once you file and have a case number, creditors will no longer legally be able to pursue you.

Please check out Our Resources for valuable information concerning the bankruptcy process. This will give you information and a starting point regarding bankruptcy, debt consolidation, debt resolution, and debt settlement. Your Chapter 13 bankruptcy case is officially, completely over once the court issues the final decree. You will be nearing the end of your case when you complete your repayment plan, submit your final paperwork, and receive your discharge order.

Amendments To The Bankruptcy Code Impact Lessors Post Covid-19

You don’t have to use a cheap attorney who may not be qualified because money is tight. Before 2019, having the attorney do all the work pre-filing and paying attorney fees after the case was filed was considered unethical. This is because as soon as the case is filed the debt to the attorney for work done pre-filing is stayed and later discharged.

In both scenarios, the consumer is able to emerge from the bankruptcy filing with their “head above water”. Let’s take a deeper look at the similarities and differences between Chapter 7 and Chapter 13 Bankruptcy. Michael devotes his practice to assisting people with debt relief and bankruptcy matters. He will custom-tailor his efforts to each client’s unique situation. Whether filing for Chapter 7 or Chapter 13 bankruptcy, he can help you understand your options while determining the most effective method for becoming debt-free. Bankruptcy filings are generally deleted from your credit report 7 to 10 years after the filing date.

Deciding over whether or not bankruptcy is the best option for you is not an easy one. That’s why consulting with an experienced bankruptcy attorney can help you make the right decision for your unique financial situation. There are a number of important decisions to make, such as whether you want to file for Chapter 13 or Chapter 7 bankruptcy. I can help you understand the pros and cons of each so you can make an informed decision. Garnished wages can be devastating to an individual or family and often makes an already bad financial situation much worse. It can take away a large portion of your total monthly income, making it harder to pay your debts.

We are here to help you navigate this challenging time with confidence and clarity. With the help of our knowledgeable and experienced lawyers, you can take the necessary steps to get back on your feet again. At Hirsch Law, we believe that educating prospective clients is the foundation for a successful bankruptcy filing. Click on the questions below to learn how bankruptcy can protect your home, car, wages, and more. If you’re in desperate need of debt relief, and are considering bankruptcy, you’ve come to the right place.

You have the benefits of the automatic stay, which prevents your creditors from harassing you, from attempting collections, and from foreclosing on your home. Our foreclosure lawyers are here to help you find a foreclosure alternative that works for your individual situation. Facing a foreclosure proceeding can cause a lot of stress, but working with an attorney helps. Don’t try to tackle this complicated and stressful process on your own. Let an experienced lawyer from O’Bryan Law Offices evaluate your foreclosure case and inform you of your legal rights.

The good news is that you don’t have to have a lawyer to file Chapter 7. You can keep the costs down by filing without one, either using Upsolve’s filing tool or going it alone. If you’re facing bankruptcy in Kentucky, you may feel lost in terms of where to start or who to talk to. The bankruptcy process is often confusing and complicated for many people, which is why we recommend working with a Kentucky bankruptcy lawyer.