Some Kentucky consumers choose to file Chapter 13 bankruptcy petitions instead of Chapter 7 petitions either because they do not pass the means test or because of the types of
Yes, you can keep your car if you file Chapter 13 bankruptcy in Kentucky. Chapter 13 bankruptcy is actually designed to help you protect valuable assets like vehicles while managing
People don’t plan on filing for bankruptcy, but situations can arise where it becomes the best option. When finances get tight because of increasing debt obligations or a reduction in
Many people in Kentucky rely on credit cards. From daily purchases to emergency expenses, credit card balances can add up quickly. Over time, these balances can quickly overwhelm a consumer,
While no one wants to file for bankruptcy, it can be a useful tool for some people to deal with overwhelming financial obligations. Filing for bankruptcy will likely negatively affect
Contemplating bankruptcy is stressful enough, what with the financial pressure and your own expectations resting on your shoulders. While having to find and work with a bankruptcy attorney may sound
If you are behind on Chapter 13 payments, speak to a Louisville bankruptcy lawyer at the O’Bryan Law Offices. After filing for Chapter 13 bankruptcy, you must make
Discharging a car loan in Chapter 7 bankruptcy wipes out your personal obligation to repay the debt—but it doesn’t remove the lender’s lien on the vehicle. This distinction is important:
In 2005, Congress enacted broad changes to the federal bankruptcy code. Among these changes was the new requirement that an individual debtor must complete a course in personal financial management
A common concern of our clients is whether they will lose their possessions if they file for Bankruptcy. The answer to that question is quite simply, generally no. The Bankruptcy
Many people believe that they can be arrested for not paying a debt, but often this is a scare tactic employed by debt collectors and scam artists to try and
When you have consulted with an attorney about filing a personal injury case, you may expect a settlement or judgment that will pay off most or all of your debt.
Can I borrow the money to pay my attorney fee to file for bankruptcy? Often new clients will ask if they are allowed to borrow the funds to pay for
The value of your home is an important number when filing Bankruptcy. Assessing this value can be difficult but can make all the difference in your case. The most common
Reaffirmation agreements generally benefit the mortgage company, not you. When you sign a reaffirmation agreement, this effectively waives the discharge you would have received in your Chapter 7. A reaffirmation
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