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
At O’Bryan Law Offices, we’ve seen firsthand how car loan scams in Kentucky push families already under financial pressure into an even deeper crisis. Auto loan modification scams are a
Credit repair scams promise to erase bad credit overnight, boost scores by hundreds of points, or remove bankruptcies and judgments from your record forever — and these claims are misleading
Student loan forgiveness scams are fraudulent schemes in which companies or individuals promise to reduce, cancel, or restructure your debt — then charge illegal fees, steal your personal information, or
Mortgage scams in Kentucky are schemes in which companies or individuals promise to lower your payments, stop foreclosure, or renegotiate your loan — then collect fees and disappear without delivering
No — wage garnishment and tax refund seizure are two separate legal processes, and most private creditors who are already garnishing your wages have no legal path to intercept your
At O’Bryan Law Offices, we want Kentucky families to know that private debt collectors cannot directly take your tax refund — but that protection has real limits depending on who
The IRS, the Kentucky Department of Revenue, child support enforcement agencies, and other qualifying federal entities can garnish tax refunds in Kentucky. Credit card companies, medical debt collectors, and payday
In most cases, no — most Chapter 7 filers in Kentucky are able to keep their tax refund. At O’Bryan Law Offices, we help clients protect their refunds through Kentucky’s
In most Kentucky Chapter 13 cases, you cannot keep your tax refund. At O’Bryan Law Offices, we want you to know that upfront — the bankruptcy trustee treats your refund
Yes — IRS debt can be discharged in Chapter 7 bankruptcy in Kentucky, but only when five specific legal conditions are all met at the same time. At O’Bryan Law
Yes — at O’Bryan Law Offices, we help Kentucky residents file bankruptcy on back taxes. Federal and Kentucky state income taxes may be dischargeable if five strict legal conditions are
Filing for Chapter 7 bankruptcy in Kentucky can provide a clear path toward eliminating overwhelming debt and starting fresh. If you’re struggling with credit card balances, medical bills, or other
Are debt collectors flooding your phone with calls and filling your mailbox with threatening letters? You’re not alone, and more importantly, you have legal protections that many collectors hope you
Facing foreclosure can feel like the ground is crumbling beneath your feet. You’re not alone—thousands of Kentucky homeowners find themselves in this situation each year, and there are real solutions
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