• Ohio

    (513) 351-5997
  • Kentucky

    859-371-5997
  • Google Hangout | Facetime | Skype
    Upon Request
Inner Banner
Working Hard for the Working Class

We devote all our resources to getting the best possible result. Contact us today to start your FREE case evaluation.

Will Filing for Bankruptcy in Northern Kentucky Affect Your Spouse’s Credit?

Posted on Thursday, August 28th, 2014 at 3:41 pm    

bankruptcyIn Northern Kentucky, if you choose to file for bankruptcy without including your spouse, your spouse’s social security number will not appear on the bankruptcy. As a result, there will be no effect on your spouse’s credit.  Bear in mind that whichever spouse chooses not to file will not have any of their debts affected.  Co-signed debts, such as a credit card in both spouse’s names, will still be the responsibility of the non-filing spouse to pay. Often times, it is in both parties best interest to file together if the couple has co-signed debts. Therefore, it is within your best interest to contact an experienced Northern Kentucky bankruptcy attorney who can advise you and your spouse of the best option.

When Only One Spouse Files for Bankruptcy

If only one spouse chooses to file, the credit of the non-filing spouse should remain unaffected. Each person has a separate credit file for credit reporting purposes. Your debts, if the debts are truly yours alone, are not supposed to show in your spouse’s credit report. Similarly, your bankruptcy should not show in your spouse’s file if you have no joint debts.

Applying for Loans Jointly

While the bankruptcy of one spouse should not affect the credit of the non-filing spouse, the bankruptcy of one spouse will have some effect on the credit worthiness of the non-filing spouse if they apply jointly in the future for a loan. The loan grantor will likely consider the credit rating of both applicants in making a lending decision.

Lawrence & Associates can help Kenton County residents, as well as other Northern Kentucky couples, file bankruptcy as a couple or file for one spouse alone.

If you or someone you know need(s) to file bankruptcy, contact Lawrence & Associates today!

Contact Us (859.371.5997) for a Free Consultation


Lawrence & Associates Help a Client Get a Settlement That Contains Extra Money For a Future Surgery

Posted on Friday, August 22nd, 2014 at 3:18 pm    

settlementAt the firm of Lawrence & Associates in Fort Mitchell, Kentucky, we fight for the rights of people who have suffered serious injuries and the families of fatal accident victims. We work tirelessly to help our clients get compensation and deal with the medical, financial and emotional effects of serious accidents. We want to share with you the results of a case we oversaw in September of 2011. We will supply as many details as possible while still respecting our clients need for privacy.

The Situation

Our client was in a motor vehicle accident in September 2011 when another driver ran a stop sign and T-boned her vehicle.

The Injury

Our client suffered low back pain and her doctor recommended surgery that our client was unable to go through because of her work schedule. She went to physical therapy instead but knew she was going to need surgery at some point in the future. The insurance company wouldn’t pay for a surgery that hadn’t happened yet, and our client needed help.

The Result

Lawrence & Associates got our client a settlement that not only paid for the physical therapy medical bills, but also contained extra money to be used for the future surgery. The other driver’s carrier was forced to compensate our client without hiding behind frivolous defenses.

Contact Us at (513) 351-5997 for a Free Consultation


How is a Kentucky Workers’ Compensation Attorney Paid?

Posted on Tuesday, August 19th, 2014 at 1:33 pm    

Comp ClaimKentucky workers’ compensation attorneys are paid on a contingency fee basis. The easiest way to understand this is to realize that any payments made to your attorney are contingent on the attorney obtaining compensation for you, whether it be back due temporary total disability payments or a settlement. This also means, if your attorney does not recover any money for you, you do not owe your workers’ compensation attorney a dime.

No Up Front or Out of Pocket Expenses

With so many employees living paycheck to paycheck, a work injury can cause uncertainty and worry about how bills will get paid and how the employee’s family will be provided for while the injured employee is not working. Fortunately, Kentucky law is very specific about paying a workers’ compensation attorney. An Injured worker is not required to pay any attorney’s fees or any other expenses up front or out of pocket. The attorney fee is simply taken out of the amount of compensation the injured employee obtains.

The formula for contingency fees is as follows…

  • 20 percent of the first $25,000 recovered
  • 15 percent of the next $10,000 recovered
  • 5 percent of any remaining award

The maximum attorney’s fees in any Kentucky workers’ compensation case is $12,000, meaning, that is the most an attorney can take out of your settlement.

If you or someone you know has a Workers’ Comp issue, please contact a Northern Kentucky Workers’ Compensation Attorney today. Lawrence & Associates can help!fff

Contact Us (859.371.5997) for a Free Consultation


Lawrence & Associates Help a Widow Overwhelmed with Medical Bills After Losing Her Husband to Cancer

Posted on Thursday, August 14th, 2014 at 3:43 pm    

bankruptcy due to medical billsThere are many reasons that individuals and families find they can no longer afford to pay monthly bills. Some may have recently gone through a divorce or been saddled with overwhelming medical bills. Others have been injured at work or in an accident and are unable to earn an income. Many are facing increased interest rates on mortgages or credit cards and cannot keep up. There are also people who simply let spending get out of control and cannot find a way out. We want to share a recent Bankruptcy case we handled to give you an idea of what we can do for our clients. We will supply as many details as possible while still respecting our clients need for privacy.

The Situation

Our client (M.C.) was a widow who had a mountain of medical bills waiting for her after her husband lost his battle with cancer. The hospital threatened a lawsuit and would not accept the amount of money she offered to pay them each month.

What We Did

Lawrence & Associates helped our client file a Chapter 13 bankruptcy so she could keep her farm and pay a reasonable amount toward the medical bills each month. She did not have to pay the medical bills in full, but paid what she could.

The Result

Our client successfully paid the hospital to the best of her ability and received a discharge on the rest of the debt.

Contact Us (859.371.5997) for a Free Consultation

Providing You With Debt Relief Solutions Through Bankruptcy

Regardless of the reasons that brought you to financial distress, filing for bankruptcy does not make you a bad person. In fact, the government created bankruptcy in order to help people recover from unmanageable financial problems. At Lawrence & Associates, we help our clients understand how bankruptcy laws are made to protect them and will allow for a brighter financial future.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

More About Us

>> Our Team
>> Our Testimonials
>> Our Frequently Asked Questions (FAQs)


What to Do When You Have a Car Accident in Kentucky

Posted on Wednesday, August 13th, 2014 at 9:15 am    

auto accidentIf you’ve been in a car accident, it can be tough to know what to do. No two car wrecks are exactly the same, and in Kentucky you will often have questions that you don’t think of at the scene of the accident. Here are some tips to make sure you do everything necessary to get your car fixed, your medical bills paid, and your life back on track following a Kentucky car accident.

Call the Police

If you’re still at the scene of the wreck, call the police to take down all the information. If you only exchange information with the other driver you may find that the information you’ve been given is only as good as the paper it’s written on. Any Northern Kentucky police department can verify the driver’s license and insurance information at the scene! Further, in Kentucky it is required by law that you call the police if there are any injuries, no matter how minor. Finally, make a note of the make, model, color, and license plate number of the other vehicle.

Are There Witnesses?

If there are any witnesses that stopped by to help, be sure to get their names and contact information. Most disputes over automobile accidents in Northern Kentucky do not have a lot of information from eyewitnesses because no one thinks to get (or keep) the witnesses’ information. This is especially true on busy roadways such as I-71/I-75, US 42, Kentucky 18, Dixie Highway, and the AA Highway, because the volume of traffic causes many people to try to move away from the site of the accident as soon as possible.

Don’t Admit Fault or Assign Blame To Police or Medical Personnel

Communicate with the police and paramedics but don’t accuse others of fault or admit to fault yourself. That is something for the police and (if necessary) the Kentucky courts to decide. You want to give an honest account of the facts, but there’s no need to throw blame around when emotions are high. In Northern Kentucky, most fights following a car accident are started when one person has accused the other of fault.

Take Pictures

Pictures are worth a thousand words, and if you have to go to court over the damage to your car or over your own injuries, pictures can be invaluable. In Northern Kentucky courts, pictures can turn a “he said, she said” dispute into an easy victory for the person telling the truth. Take pictures of the car, your own injuries, the roadway, everything!

Notify Your Insurance Agent

In Kentucky, you have a duty to notify your insurance company about the wreck as soon as possible. In Northern Kentucky courts, insurance companies often try to get out of covering you due to a failure to communicate with them immediately after the accident, even if you’ve paid all your premiums! Although you have a duty to communicate with your own insurance company, that duty does not stretch to the other person’s insurance company. If the other driver’s insurance adjuster calls you, you should contact an attorney right away. Usually, this type of phone call is an attempt to get you to admit to fault.

Protect Your Rights With an Experienced Injury Attorney

By law, you have a limited amount of time to file a claim or a lawsuit against the other driver. Although no law says you have to see a doctor as soon as possible after the wreck, insurance companies will try to use any delay in seeking medical care against you. Insurance companies also routinely deny coverage by saying the injuries are not related to the automobile accident. If you hear these arguments from the insurance adjuster, get a qualified injury attorney immediately. Insurance is a confusing area of law, even to lawyers that don’t practice in the state where your accident occurred, because each state’s law is a little bit different on this subject. Kentucky law is unique, as is Ohio’s.

If you’ve been injured in a automobile accident in Kentucky or Ohio, you need an attorney. Lawrence & Associates has a long record of success in auto litigation in Kentucky and Ohio.

Contact Us (859.371.5997) for a Free Consultation


Kentucky Workers’ Compensation 101: An Overview of the Program

Posted on Wednesday, August 6th, 2014 at 4:42 pm    

Kentucky workers compIn Kentucky, it is mandatory for employers’ to provide workers’ compensation. If there is a job-related injury or death, it is the employer’s responsibility to provide the employee or the employee’s family with medical and disability benefits.

Who is Considered an Employer?

Under KRS 342.630, an employer is any person or entity with one or more employees. This definition includes state, city and county. That’s pretty straightforward. 

Who is Considered an Employee?

Under KRS 342.640, an employee is anyone working under contract for hire, expressed or implied; executive officers of corporations; state, county or city employees; volunteer firefighters; those who sell and deliver newspapers; and anyone person performing services in a trade profession or business. Although the list of covered employees is vast, under KRS 342.650 there are several exemptions including: agriculture employees, certain religious organizations and a domestic worker in a private home if less than two.

The 3 Major Components of Kentucky Workers’ Compensation…

  1. Medical Expense pay
  2. Disability pay
  3. Vocational Rehabilitation

Workers’ compensation can be viewed as a type of insurance that accommodates employees who need compensation for medical care due to an injury during the course of work in exchange for the employee’s right to sue their employer for negligence. Plans vary according to jurisdictions, though they can be made for weekly payments instead of wages as a type of disability insurance, compensation for past and future economic losses, the payment or reimbursement of the medical expenses as a type of health insurance, and benefits payable to the dependents of workers who were killed as a type of life insurance. Not included in worker compensation plans are punitive damages for employer negligence and general damages for pain and suffering.

If you or someone you know has been injured on the job, contact Lawrence & Associates today! We can help you get the benefits that you deserve!

Contact Us (859.371.5997) for a Free Consultation


Lawrence & Associates Helped Clients Who Were Having Their Wages Garnished by Multiple Creditors

Posted on Friday, August 1st, 2014 at 1:30 pm    

Wage GarnishmentThere are many reasons that individuals and families find they can no longer afford to pay monthly bills. Some may have recently gone through a divorce. Others have been injured at work or in an accident and are unable to earn an income. Many are facing increased interest rates on mortgages or credit cards and cannot keep up. There are also people who simply let spending get out of control and cannot find a way out. We want to share recent Bankruptcy case we handled to give you an idea of what we can do for our clients. We will supply as many details as possible while still respecting our clients need for privacy.

The Situation

Our clients were are husband and wife who had had three children. Their wages were being garnished by multiple creditors and they were unable to pay their necessary living expenses and were desperate and in need of  help.

What We Did

Lawrence & Associates filed a bankruptcy for this couple and discharged their debts in a Chapter 7 Bankruptcy. Lawrence & Associates also forced the creditors to return $1,500 to our clients because it had been garnished within the 90 day time frame before they filed bankruptcy.

The Result

Now our clients can pay their living expenses and raise their children without the constant fear of lawsuits and garnishments hanging over their heads. The $1,500 returned to them provided them a “cushion” so they can avoid this situation happening again in the future.


I Just Moved to Kentucky – Can I File Bankruptcy Here?

Posted on Wednesday, July 30th, 2014 at 8:01 am    

Moving To a New State

Photo by RSS

Moving can be an adventure, especially when moving to another state. At Lawrence & Associates, a Kenton County Kentucky bankruptcy law firm, we have had many clients move to Kentucky only to find their financial fortunes have changed. Sometimes, clients move to Kentucky for a job that winds up being too good to be true. Other clients relocate from Cincinnati to Northern Kentucky in the middle of a major life event, such as divorce. Whatever the reason, moving to a new state can present financial challenges and sometimes those financial challenges lead to bankruptcyIf you are new Kentucky and are thinking of filing bankruptcy, you may be a little confused about where you should file. Is it better to file in Kentucky, or better to file in the state you just moved from? 

Have You Lived in Kentucky for More Than Six Months?

You must live in Kentucky for at least six months to be eligible to file bankruptcy here. If you’ve lived here less than six months, don’t worry – preparing to file a bankruptcy often takes a month or two all by itself, and the dates are all measured from when you actually file (not from when you first think about filing). There is an exception to this rule, but it only applies if you haven’t lived in any state for six months or more over the course of the last nine months.  If you’ve lived in Kentucky for six months, you have to file bankruptcy in Kentucky!

If You Haven’t Lived in a New State for 6 Months, Where Do You Have a Better Chance of Filing the Kind of Bankruptcy You Want?

Although bankruptcy laws are federal, different parts of the country have slightly different rules relating to (for example) the way you can protect your assets from the trustee or the amount you have to pay monthly in a Chapter 13 bankruptcy. Even relatively short distances – such as moving from Cincinnati to Northern Kentucky or vice versa – can have big consequences! If you are in a grey area where the difference of a month or two will change where you file your bankruptcy, you should ABSOLUTELY talk to a reputable bankruptcy attorney right away. Timing is important and you don’t want to wait the extra couple of months only to find out that you are in danger of losing  your car or home because you waited too long to file.

At Lawrence & Associates, we help people file bankruptcy every day. Further, we have the skill and expertise to help you decide which state’s bankruptcy rules would be better for you.

If you or someone you know need(s) to file bankruptcy and has recently moved in or out of Kentucky, contact Lawrence & Associates today!

Contact Us (859.371.5997) for a Free Consultation


Lawrence & Associates Help a Client Who Was Hurt on a Bus Trip Passing Through Northern Kentucky

Posted on Friday, July 25th, 2014 at 2:24 pm    

Bus WreckAt the firm of Lawrence & Associates in Fort Mitchell, Kentucky, we fight for the rights of people who have suffered serious injuries and the families of fatal accident victims. We work tirelessly to help our clients get compensation and deal with the medical, financial and emotional effects of serious accidents. We want to share with you the results of a case we oversaw in July 2013. We will supply as many details as possible while still respecting our clients need for privacy.

The Situation

Our client was traveling from Miami to Chicago by bus when the bus he was on had to make a sudden stop and ran off the road in Northern Kentucky. Since the wreck happened in Northern Kentucky, our client was forced to file a claim in a Kentucky court as well. The bus company’s insurance carrier did not believe that our client was injured in the wreck.

The Injury

Our client had been asleep when the wreck happened and was thrown into the air. He landed on an armrest on his lower back, which caused his injuries, including a disc bulge in his spinal column.

The Result

Lawrence & Associates was able to prove the injury was related to the bus wreck and forced the company’s insurance carrier to pay our client for his medical treatment and pain and suffering without him ever having to return to Kentucky or file a lawsuit. Contact us at (513) 351-5997 to speak with an attorney.


Texting While Driving… Adults Are Worse Than Teens

Posted on Tuesday, July 22nd, 2014 at 3:42 pm    

texting in the carIn a recent survey conducted by AT&T, 49% of American adult drivers admitted that they text while driving. [1] That’s a surprising statistic compared to only 43% of teens who admitted they too text, email, and check social networks while driving. While any licensed driver can partake in the act of texting while driving, as the AT&T study shows, adults are the worst offenders. Why can’t adults put the mobile phone down while behind the wheel? When asked why, respondents to the survey answered candidly that “it was a habit,” “it makes me more productive,” and “I like to stay connected.” A few years ago adults said they never did it, but in today’s fast paced world, texting while driving has become the new norm. While texting while driving may help someone stay more connected or be more productive, there can be very serious consequences of driving while texting.

Kentucky’s Texting Laws

To combat this phenomenon, Kentucky has stepped up and passed stricter laws banning texting while driving. In 2011, Kentucky created a new section of KRS Chapter 189, which prohibits text messaging while operating a motor vehicle. Punishments for a driver who is caught text messaging range from fines between $20 to $100 for each offense, excluding court costs, as well as adding on an additional 6 months onto the time a permit holder must wait before being allowed to get his or her driver’s license.

Texting Increases the Chances of You Getting Into an Auto Accident 

The reality is the repercussions of driving and texting can lead to increased chances of getting into an auto accident and even death. Researchers from Virginia Tech Transportation Institute reported that texting while driving creates a crash risk 23 times worse than driving while not distracted. When you text and drive, you are not only at risk for injury, but you are a liability to every driver around you.

If you have or know anyone who has been a victim of an auto accident involving a distracted driver who texted while driving, Lawrence & Associates can help!

Contact Us (859.371.5997) for a Free Consultation

[1] http://www.usatoday.com/story/news/nation/2013/03/28/adults-worse-than-teens-about-texting-behind-wheel/2026331/

Super Lawyers
Avvo
Top 100
Million Dollar Advocates Forum
ASLA
Badge

Ready to get started? Contact us today!