Yes, a credit card company can garnish your Kentucky wages, but only after it sues you and wins a court judgment. Once that happens, Kentucky law caps the amount at
Yes, a Kentucky bank account can be frozen before you receive any warning. Once a creditor holds a court judgment against you, the law lets them serve the freeze order
A specific group of creditors can start taking money from your paycheck before you ever see a lawsuit, and Kentucky and Indiana law treats each one differently: The IRS, for
Yes, a lawyer can stop a garnishment, and in most cases the money stops coming out of your paycheck within days rather than months. At O’Bryan Law Offices, our team
No, a debt consolidation agreement does not itself stop an existing wage garnishment. Once a garnishment order is in place, the order remains effective unless the judgment is satisfied or
Social Security can be garnished, but only for federal debts, and never by an ordinary creditor holding a court judgment. Everything else, including credit cards, medical bills, payday loans, personal
Yes, you can still file Chapter 7 after buying a car, because a recent purchase does not disqualify you from filing in Kentucky. At O’Bryan Law Offices, we look at
Filing bankruptcy in Kentucky does not automatically mean you will lose your car. Whether you keep your vehicle depends on how much equity you have in it, which exemption scheme
Yes, filing for bankruptcy can stop repossession in Kentucky. Doing so immediately triggers an automatic stay, a federal court order that legally requires your lender to stop all collection actions,
Credit Associates is a legitimate, BBB-accredited debt settlement company — but legitimacy and suitability are two very different things. At O’Bryan Law Offices, our team has spent over 30 years
If National Debt Relief left you with a damaged credit score, mounting fees, or a creditor lawsuit, your next steps are to: Reach out to our experienced team Pull your
National Debt Relief is a legitimate debt settlement company, but “legitimate” does not mean it is the right choice for everyone. At O’Bryan Law Offices, we have spent more than
Some debt relief programs are legitimate, but many carry serious risks that Kentucky families need to weigh carefully. At O’Bryan Law Offices, we regularly meet clients who enrolled in private
Debt consolidation scams are a serious and growing problem in Kentucky — companies promise to resolve your debt but instead collect large upfront fees, stall, and disappear, leaving you worse
Debt relief scams are a serious and growing problem in Kentucky, targeting people who are already financially overwhelmed with false promises of quick, easy debt reduction. Some of the most
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