Chapter 13 Clients Pay No Up-Front Attorney Fees
If you are struggling to pay your debts, you need to take action. A Chapter 7 or Chapter 13 bankruptcy filing can put a stop to foreclosure or repossession actions, as well as wage garnishments, so that you can get a fresh financial start. It will also end the harassing phone calls and letters. You must comply with the terms of any repayment agreement or you will lose these protections, so it is important to have strong legal guidance before agreeing to anything. You want an experienced bankruptcy attorney to protect your interests. At Lawrence & Associates, we provide comprehensive counsel in Chapter 13 bankruptcy matters to people throughout Northern Kentucky and the Greater Cincinnati area. We will take the time to listen carefully to your questions and concerns, and explain the law and the process, as well as your options. We will help you identify your needs and goals, so that we can tailor our counsel to your specific situation.
Experienced Chapter 13 Bankruptcy Attorneys
If you don’t qualify to permanently discharge debt under Chapter 7 or prefer to set up a new payment plan with your creditors, we will help you reorganize your debt in a Chapter 13 bankruptcy filing. We will prepare and file all the necessary paperwork to complete the process and will represent you in hearings or meetings with creditors, the bankruptcy trustee or the bankruptcy court. We will help you put together a reorganization plan and will review all proposed repayment plans to ensure they are appropriate.
When you file for protection under Chapter 13, an automatic stay goes into effect, which prevents your creditors from calling, writing or using any other means to collect the debt, other than through the bankruptcy proceeding. The automatic stay will suspend foreclosure or repossession actions, as well as wage garnishments, giving you time to get back on your feet financially. In many instances, you will be able to reduce the amount you have to pay, sometimes to as little as a penny on the dollar, by entering into agreements with your creditors. A Chapter 13 bankruptcy can be ideal for someone with large medical bills or credit card debt, allowing you the opportunity to keep most or all of your assets and enter into payment arrangements that are workable.
Our Bankruptcy Explained Series
- Credit Card Purchases: Why Calculating Interest Is the Most Important Step You’ll Ever Take - 08-19-2016
- Understanding the Rights a Mortgage Company Has After Bankruptcy - 07-18-2016
- The Injured Plaintiff’s Bankruptcy — Pitfalls for the Civil Litigator - 06-24-2016
- What are the effects on my spouse if I file bankruptcy? - 06-09-2016
- How Long Do I Have to Wait Between Bankruptcies? - 06-06-2016
- How does filing bankruptcy affect my credit score? - 05-26-2016
- The Dangers of Taking Out Debt Before Filing Bankruptcy - 05-20-2016
- How Much Will Your Payments Be in a Chapter 13 Bankruptcy? - 04-25-2016
- Two Steps to Preserve a Claim When a Tortfeasor Files a Bankruptcy - 04-14-2016
- The Difference Between Chapter 7 and Chapter 13 Bankruptcy - 04-12-2016
- How to Stop a Car Repossession by Filing for Bankruptcy - 04-05-2016
- Bankruptcy Can Stop Wage Garnishments and May Offer Refunds - 03-27-2016
- You Can Beat a Northern Kentucky Foreclosure - 03-25-2016
- How to Protect Your Tax Refund When You File Bankruptcy - 03-21-2016
- Keep Your Home When You File for Bankruptcy - 03-14-2016
- How Can I Stop My Car From Getting Repossessed? - 02-25-2016
- What’s the difference between a Chapter 7 bankruptcy and a Chapter 13 bankruptcy? - 01-25-2016
- You Can Protect Your Tax Refund in Bankruptcy - 01-20-2016
- Why Might You Have To File a Chapter 11 Bankruptcy Rather Than a Chapter 13? - 11-10-2015
- A Debt Collector Threatened Me with Fraud and Jail. Can They Do That? - 10-13-2015
More About Us
Contact Us for a Free Consultation! Call 859-371-5997 in KY or 513-351-5997 in OH.