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O'Bryan Blog

LOUISVILLE BANKRUPTCY ATTORNEY
debt free
Saving, Investing, Retirement & Social Security

How to Become Debt Free

In today’s expensive and debt-heavy world, you may hear the term “debt free” and immediately think to yourself: that’s not possible. Becoming debt free takes some work, but it’s definitely

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credit card churning explained
Bankruptcy

What is Credit Card Churning?

Credit card churning is the art of using a credit card company’s marketing efforts to your advantage. It is a risky practice, but many use lenders’ strategies to rack up

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consumer debt
Bankruptcy

Consumer Debt vs Non-Consumer Debt

Those struggling with debt often file for Chapter 7 bankruptcy. When they make this decision, they must fill out and complete a bankruptcy means form test. This test determines whether

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jail for credit card debt
Bankruptcy

Jail Time for Credit Card Debt

Dealing with credit card debt is difficult enough already. However, phone calls from collection agencies and creditors greatly add to the stress for many people. Sometimes, those collectors try to

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chapter 13 payday loans
Bankruptcy

Chapter 13 Payday Loans

Payday loans seem like an appealing option when you are struggling to pay your bills and falling behind on monthly payments. Payday lenders, also known as cash advance companies or

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