O’Bryan Law Offices represents Bankruptcy clients throughout all of Kentucky and Southern Indiana. We offer in-person and video/telephone consultations for people so they can understand their financial options from the comfort of their own home.
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O'Bryan Blog

short sales and bankruptcy
Home & Mortgage

Understanding Short Sales and Bankruptcy

Understanding the intricacies of short sales and bankruptcy is essential, especially for those navigating financial difficulties. These processes are not just legal terms; they represent pivotal decisions that can impact

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notice of default

What Is a Notice of Default?

When you enter into a mortgage agreement, lenders have stipulations in the loan contract that protect their investment if you ever get behind on making payments. One of these stipulations

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underwater mortgage
Home & Mortgage

What Is an Underwater Mortgage?

If you’ve ever heard the term “underwater mortgage,” you may wonder how this term differs from a regular mortgage. What does it mean to have an underwater mortgage and how

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can the irs take your house
Home & Mortgage

Can the IRS Take Your House?

Table of Contents Many clients come to us with a seemingly simple question: Can the IRS take your house? To put it simply, the IRS does have the legal authority

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Bankruptcy and Home Ownership
Bankruptcy Chapter 7

Chapter 7 Bankruptcy and Home Ownership

There is a litany of misinformation surrounding the concept of filing for bankruptcy protection. Many people believe that bankruptcy is always the result of financial mismanagement, which is simply untrue.

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non-exempt assets in bankruptcy
Bankruptcy Chapter 7

Non-exempt assets in bankruptcy

Chapter 7 is the most common type of bankruptcy in Kentucky and throughout the country that involves liquidating assets to pay creditors. However, not all property or belongings can be

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buying a house after bankruptcy
After Bankruptcy

Can a Bankruptcy Filer Buy a House?

Deciding to file for bankruptcy is an extremely emotional and stressful time in a person’s life. Once you file, you will probably end up wondering exactly how this will affect

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