Can I File On Medical Bills

March 30, 2010

The rising cost of healthcare and the increase in employers not offering health insurance due to increased premiums have led to an explosion in medical bill related bankruptcies.
All medical bills including those in collections and court, can be discharged in a bankruptcy.
If you live in Northern Kentucky and need help with large medical bills, please [...]

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Can I Save My House From Foreclosure?

March 24, 2010

Yes, you can avoid foreclosure on your home in Northern Kentucky.
A Chapter 13 bankruptcy is the perfect weapon to fight off a pending foreclosure.  We have filed these types of bankruptcies all the way up to the eve of the courthouse steps sale.
In most case, the past due amounts on the loan can be spread [...]

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Can I File Bankruptcy Against Student Loans?

March 18, 2010

In certain cases, you have every right to file against student loans. An adversarial proceeding would have to be filed within your bankruptcy case to apply for a discharge of the student loans. Current law requires you to be under extreme hardship.
To find out what your option are for including student loans in a chapter [...]

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I Have A Large 401K or IRA – Can I Still File For Bankruptcy?

March 10, 2010

Yes, under current bankruptcy laws, the entire amount is exempt and you will not lose any of it.
If you have any questions about filing bankruptcy in Boone, Kenton, Campbell, Owen or Pendleton Counties in Northern Kentucky, give my office a call at 859.824.3361 for a FREE, no obligation consultation.

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Can I File Bankruptcy Against My Garnishment?

March 5, 2010

Absolutely you can. Once the bankruptcy is filed, which can be in as little as one week from the first appointment, the garnishment will stop.
Per Kentucky law, a judgment creditor can garnish up to twenty five (25) percent of your gross pay check each week. Filing bankruptcy will immediately stop that.
If you are [...]

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Can I File Bankruptcy On My Taxes?

March 4, 2010

You certainly can file against property taxes that are against property you want to surrender. You also can in certain situations file against federal income taxes.
If the returns were filed and no liens have been attached yet, taxes that are older than three years from the due date of filing can be discharged.
Our office [...]

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I Have Already Filed For Bankruptcy – Can I File Again?

March 2, 2010

You can only file for Chapter 7 bankruptcy once every 8 years but you can file for a Chapter 13 reorganization after 4 years from a discharge and possibly more frequent than that, but you can’t have more than one case open at the same time.
Our office can quickly let you know if you qualify [...]

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Can I Keep Certain Local Creditors And That Debt?

February 22, 2010

Many clients to our firm have special relationships with local lenders and do not want to file on their debt.  After filing bankruptcy, you are no longer obligated to repay them, but you always have that opportunity.
If your conscience won’t let you sleep nights because you didn’t pay your debts, there’s nothing in the bankruptcy [...]

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Am I A Loser If I File For Bankruptcy?

February 17, 2010

No….and here’s why.
Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They’ve struggled to pay their bills for months and just keep falling further behind.
We have had all income levels, education levels and ages levels ask us for help in filing for [...]

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Will The Bankruptcy Process Take Years?

February 17, 2010

Absolutely not.   For most of my clients in Northern Kentucky in Chapter 7 proceedings, the entire process from first meeting to the meeting of creditors (court like hearing that is very low key) takes about 6-8 weeks.

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