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
Reverse mortgage scams are a serious threat to Kentucky homeowners aged 62 and older, targeting their home equity through deceptive schemes that range from fake counseling agencies to outright title
Foreclosure scams in Kentucky are schemes that target homeowners who are behind on payments and afraid of losing their homes — promising to stop foreclosure while stealing money, equity, or
Equity skimming is a predatory real estate fraud that strips the value from a homeowner’s property by transferring the title under false pretenses — and at O’Bryan Law Offices, we
Rent-to-own scams in Kentucky are fraudulent housing arrangements that take thousands of dollars from families who believe they are working toward homeownership — only to leave them with nothing but
Home equity scams in Kentucky are schemes that target the value you have built in your property — through predatory loans, deed fraud, and fraudulent contractor arrangements that can strip
Mortgage protection scams are fraudulent schemes that use fake mailers, unsolicited calls, and deceptive websites to trick Kentucky homeowners into paying for worthless insurance policies, sham loan modifications, or phony
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
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