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


Do I Have to be Behind on Bills Before I File a Bankruptcy Case?

Many of the clients we work with have fallen behind on their mortgage payments, car payments, credit card payments, and many other bills. We also frequently work with clients that have not yet fallen behind on any of these bills but see that they simply cannot keep going the way they are going and will be behind in the near future. I am often asked whether someone should file now if they are not yet behind on bills or wait until they get behind on bills to file.

When to File for Bankruptcy: Before or After You’re Behind on Bills

While you can file bankruptcy at any time, behind on bills or not, it may be better and less stressful for you to file sooner rather than later. The further you get behind in bills, the more likely foreclosures, repossessions, lawsuits, garnishments, and liens are to happen. These events can be detrimental to your life, your budget, your credit, and your health. Call us today to set up an appointment with one of our experienced bankruptcy attorneys to discuss when the right time is for you to file a bankruptcy case.

At O’Bryan Law Offices, we have helped thousands of individuals and families file Chapter 7 bankruptcy and Chapter 13 bankruptcy. 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.

If you are interested in learning about your options through bankruptcy, make an appointment to speak with one of the experienced bankruptcy attorneys at O’Bryan Law Offices today. We now offer free “Life After Bankruptcy” courses to our clients to help them rebuild their credit score. Call us today at 502-339-0222 for a free bankruptcy consultation. Get a Fresh Start today!


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