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O'Bryan Blog

Disposable Earnings

What are Disposable Earnings?

Many people are not aware that creditors have the right to seek a garnishment order against them if they fail to pay off their debt. Creditors may garnish directly from

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why do i owe taxes

Why Do I Owe Taxes?

Many taxpayers begin their filing process with an online tax calculator. Oftentimes, we expect the same result as last year – a refund. But what if the calculator amounts to

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tax levy

What is a Tax Levy?

Tax debts may be some of the most challenging debts to get rid of. Taxing authorities have more power to seize your assets than all other types of creditors. Because

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What is a debt buyer?

What Is A Debt Buyer?

Debt buying has quickly become a large industry in the United States. Most people have never heard of a debt buyer, but you may be more familiar with them than

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Ways to Reduce Credit Card Debt

Many people use credit cards in Kentucky to make shopping convenient. However, statistics show that the average household owes around $15,000 in credit card debt. Consumers have some ways they

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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

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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