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Eligible for Chapter 7 Bankruptcy in 2014? You Should Get Started Early Due To New Increased Paperwork Requirements

Many people filed for Chapter 7 bankruptcy in October of 2005. It was important to file before the new bankruptcy regulations went into effect later that month. The new bankruptcy regulations were much stricter and would require many Chapter 7 filers to file a Chapter 13 if they waited until … [Read more...]

BANKRUPTCY CASE STUDY: Couple Gets To Keep Their Home After Both Being Laid Off By Using a Chapter 13 Bankruptcy

Client(s) Challenge - Our clients L.S. and P.S., a husband and wife, got a foreclosure notice in the mail. They had worked really hard to get their house and even harder to get the mortgage modified after they both got laid off a few years ago. Now it looked like all those efforts were for nothing, … [Read more...]

Northern Kentucky Residents Have a Right to Haggle Over Their Debt

There is a pervasive myth in American society that attempting to negotiate down the amount of one’s debt is a bad thing. This myth is designed to keep you poor, and beholden to the interests of the banks, credit card companies, and other lenders that you've met during your quest to live a happy, … [Read more...]

Know How Kentucky Personal Injury Protection (PIP) Affects You!

Insurance policies are generally quite confusing and often vary between insurance companies. Most of them promise you a better rate, or better coverage in the event of an accident. Knowing what some of the standard policies cover will help in choosing the right coverage for you. For example, one … [Read more...]

Legal Update: 6th Circuit Court of Appeals Says Debtors in Chapter 13 Bankruptcies Can’t Contribute to 401K or Retirement Plans

The 6th Cir. Court of Appeals, which covers Kentucky, Ohio, Tennessee, and Michigan, says debtors in Chapter 13 bankruptcies can’t contribute to 401k or retirement plans while they are in bankruptcy. This Decisions Limits an Individual's "Fresh Start" Through Bankruptcy  If you are a debtor in a … [Read more...]

Spotlight on Melissa Doss: Associate Lawyer at Lawrence and Associates Focusing on Kentucky Workers’ Compensation

Focused on Kentucky Workers' Compensation Cases I have been at Lawrence & Associates since 2011. When I first started at Lawrence & Associates, I gained hands on experience in the areas of workers’ compensation, bankruptcy law, personal injury and admiralty law. However, I quickly learned … [Read more...]

Does Filing Bankruptcy Affect a Co-Signer’s Credit?

Many people who file bankruptcy in Northern Kentucky have co-signers on their debt. For some, the co-signer is part of the reason they are filing bankruptcy in the first place! I cannot count the number of parents I have met who have had to file bankruptcy because they were sued when a child … [Read more...]

What Injures are Covered Under Workers’ Compensation?

Workers' Comp Also Covers Work Related Injuries Such As Injuries Due To Repeated Motions, Psychological Stress, and More To be covered by workers’ compensation, an injury need not be caused by a sudden accident such a fall. Workers’ compensation may also cover claims for injuries due to repeated … [Read more...]

What is a Chapter 13 Bankruptcy?

Chapter 13 is a type of bankruptcy that allows consumers who are struggling with debt to seek relief through the court. Chapter 13 is commonly used by people who are facing home foreclosure, as it can stop that process in its tracks. A debtor must meet Chapter 13 requirements to file for bankruptcy … [Read more...]

Why Northern Kentucky Residents Need Lawyers for Auto Accident Claims

After an auto accident some people aren't sure whether they should hire an attorney at all.  It’s also tough to decide which Northern Kentucky attorney to hire to represent you in your dealing with insurance companies. No matter what, it is always a good idea to hire an attorney – a good attorney – … [Read more...]