Basically, hiring a better lawyer in Chapter 13 costs the Louisville Bankruptcy Attorney debtor the same amount as if he hired a bad attorney. Observing these bankruptcy do’s and don’ts will help set you up to make the most of your right to debt relief under the Bankruptcy Code. At O’Bryan Law Offices, our attorneys fully understand how the bankruptcy laws apply to your situation and will keep you away from any of these pitfalls.

 

Is There A Chance Of Getting Garnished Wages Back?

 

We will work to help you understand your options, get relief from your debts, and gain back your peace of mind. Let us be your advocate when it comes to saving your home, protecting your paycheck, and helping you obtain the debt relief that you need. If you’re looking for a compassionate bankruptcy lawyer in Louisville KY, then look no further. We represent a diverse group of clients in a wide range of business matters, including general corporate law, commercial real estate transactions and corporate reorganizations. We also represent both companies and individuals in bankruptcy matters and handle a wide range of civil litigation matters at both the trial and appellate levels. We also represent clients in probate and domestic relations matters.

 

You must complete this course before the court can enter a discharge. Wage garnishment exemptions serve as a way of protecting certain types of income or more than a certain amount of your pay. The premise behind allowing exemptions is that people may keep some earnings to pay basic living expenses. Additionally, waiting until after finalizing your divorce may allow you to file for Chapter 7. The combined income of you and your spouse might have prevented you from filing for Chapter 7.

 

What To Bring To The 341 Meeting Of Creditors

 

Paying your first payments into a trust account is especially needed if you have not been making mortgage or car payments for some time. When creditors claim you have no intention of making the plan payments, and you are stalling these plan payments, prove you have the intent and ability. Because the work is done after the case files, the law office can collect after the case files. The debt for the work does not discharge in the bankruptcy because it’s done after filing. These law firms advertise this as a zero or no money down bankruptcy. Unfortunately, the cost is higher but you can have a low monthly payment you can afford.

 

Like bankruptcy, repossessions generally remain on your credit report for seven years from the date your payments became delinquent. Most lenders will establish how many missed car payments are acceptable in the terms of your agreement. The language of this contract will inform you of how many missed payments it will take before your car is repossessed. In Kentucky, the average number of days before a car gets repossessed after default payments tends to be about 70.

 

This chapter of bankruptcy can also benefit small businesses, but not large companies or corporations. Stakeholders may file for Chapter 13 individually over the other chapters of bankruptcy because it’s cheaper, and they can keep their business open while paying off their debts. Before declaring bankruptcy, it’s important to review all your options for debt relief.

 

So, while bankruptcy can help you get out of debt, it’s not something you should do right away. We can assist you if you believe you have reached your final resort and this is what you need to do. We’ll make this procedure as simple as possible for you and your family at O’Bryan Law Offices. We want to assist you in getting back on your feet, and we’ll go to any length to do so. We know you have a lot of options when it comes to hiring a bankruptcy attorney in Louisville, so why choose us? These are the core values that are behind everything that we do.

 

Very few jobs with a lawyer salary exist for consumer attorneys. Chapter 13 no-look fees are different for each judicial district. However, they are typically between $3,750 and $4,100 in Indiana and Kentucky. The good thing about Chapter 13 bankruptcy is that you often don’t have to pay the attorney fees upfront.

 

We are here to help you navigate this challenging time with confidence and clarity. Our Bankruptcy Attorney, Tracy L. Hirsch, has 23 years of experience, and has filed over 2,000 cases. Her attention to detail and extensive knowledge of local bankruptcy rules, means that things are done correctly the first time. If you don’t have enough time or money to reinstate or redeem your loan before the lender sells it off, you may be able to take a different route. The state of Kentucky allows a lender to sell the vehicle they repossessed from you at an auction, given you do not redeem it within their set deadline.