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How Personal Injury Settlements Are Handled When They Involve Minors

In most states, the parent of a child who has been injured and received a settlement as reparation for those injuries cannot generally access his or her child’s settlement funds.  The reason for this is to protect the child from parents who might use the money to benefit themselves, instead of the … [Read more...]

Even If You Don’t Live in Kentucky, Talk to a Northern Kentucky Lawyer if You Where Hurt On the Job in Kentucky

Because Lawrence & Associates is located along I-75 and conveniently close to Cincinnati, OH, we often help injured workers who live outside the state. It is very common for injured workers to work at a factory or warehouse – such as the Amazon warehouse in Boone County, Kentucky – but live in … [Read more...]

Ways to Improve Your Credit Score After Bankruptcy

Declaring bankruptcy is a decision that affects not only your finances but also may affect your credit score. In fact, one of the biggest concerns that people have when considering bankruptcy is how it will affect their credit score. While filing bankruptcy may decrease your credit score short term, … [Read more...]

Filing a First Report of Injury (FROI) Form is Not the Same as Filing a Claim for Workers’ Compensation

In today’s world almost every employer has procedures in place when an employee is injured on the job. In many cases it involves documenting the events that led to the injury and recording them on a form for future use and reference. In Kentucky’s workers’ compensation system, this form is often … [Read more...]

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...]