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Working Hard for the Working Class

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What are the effects on my spouse if I file bankruptcy?

Posted on Thursday, June 9th, 2016 at 7:30 pm    

In this video, Justin Lawrence talks about the effect on a non-filing husband or wife when their spouse needs to file bankruptcy. What happens to their assets? Which debts get discharged? And what happens to the non-filing spouse’s credit score? Watch this video to find those answers and more!


How Long Do I Have to Wait Between Bankruptcies?

Posted on Monday, June 6th, 2016 at 1:18 pm    

In this video, Justin Lawrence discusses the complicated rules governing how long you must wait between bankruptcy filings, depending on what kind of bankruptcy was filed previously (Chapter 7 vs. Chapter 13), what kind of bankruptcy is being filed now, whether a discharge occurred in the prior bankruptcy, and whether a discharge can occur in the current bankruptcy.

Although the rules are complicated, Lawrence & Associates’ experienced attorneys can cut through the clutter to ensure you file your bankruptcy at the time that is best for you.  Have questions?  Call today!


How does filing bankruptcy affect my credit score?

Posted on Thursday, May 26th, 2016 at 11:28 am    

In this video, Justin Lawrence addresses a problem many people worry about before filing bankruptcy:  the effect that filing bankruptcy will have on their credit score.  Several rules of thumb are given that address when the opportunity to take out a loan will become available, how long interest rates will be affected, and how long the bankruptcy will show up on a credit report.


The Dangers of Taking Out Debt Before Filing Bankruptcy

Posted on Friday, May 20th, 2016 at 2:40 pm    

Justin Lawrence from Lawrence & Associates talks about the dangers of taking out debt before filing bankruptcy, including the 90 day presumption of abuse used by bankruptcy courts to discourage the use of credit cards and loans within 90 days before filing a bankruptcy. This video applies to both Chapter 7 and Chapter 13 bankruptcies, and examples including credit card debt and buying a new car are given.


How Much Will Your Payments Be in a Chapter 13 Bankruptcy?

Posted on Monday, April 25th, 2016 at 1:25 pm    

For Greater Cincinnati and Northern Kentucky Chapter 13 bankruptcy filers, Justin Lawrence from Lawrence & Associates helps you estimate how a Chapter 13 payment to the bankruptcy trustee is made. Knowing how much you might have to pay will give you peace of mind. Don’t worry when you can get more facts about your Chapter 13 bankruptcy payment and be sure this is the right path for you!


Two Steps to Preserve a Claim When a Tortfeasor Files a Bankruptcy

Posted on Thursday, April 14th, 2016 at 10:07 am    

Check out this article written by Justin Lawrence, in which he discusses how an injured person can preserve their claim when the person who hurt them files for bankruptcy.  Many lawyers cannot practice in both bankruptcy and in injury areas of practice (such as personal injury, workers’ compensation, and social security disability).  Lawrence & Associates has experience in each of these areas of practice, which gives our attorneys a unique and comprehensive perspective when these worlds collide.

If you have been injured or have been put on notice about a bankruptcy, click here to read this article for more information!


The Difference Between Chapter 7 and Chapter 13 Bankruptcy

Posted on Tuesday, April 12th, 2016 at 11:16 am    

In this video, Justin Lawrence from Lawrence & Associates describes the basic differences between Chapter 7 and Chapter 13 bankruptcy in a nutshell.

Chapters 7 and 13 bankruptcies are the kinds of bankruptcy that are available to most consumer debtors, which includes nearly every individual filing bankruptcy. Learn the length of time you could be in each kind of bankruptcy, the restrictions on filing each type of bankruptcy, and the requirements for each type of bankruptcy once it is filed.

Watch the video for more details!


How to Stop a Car Repossession by Filing for Bankruptcy

Posted on Tuesday, April 5th, 2016 at 6:53 am    

Justin Lawrence continues Lawrence & Associates’ bankruptcy video blog series with this discussion about how a Chapter 13 bankruptcy can stop the repossession of a car, or even get your car back if it has already been repossessed!

If you have any further questions about repossession and bankruptcy after watching the video, give Justin a call for a free consultation!


Bankruptcy Can Stop Wage Garnishments and May Offer Refunds

Posted on Sunday, March 27th, 2016 at 11:19 pm    

This week, our bankruptcy web video series explains how a Chapter 7 or Chapter 13 Bankruptcy can stop a wage garnishment.  Justin Lawrence, the founder of Lawrence & Associates, explains how a bankruptcy can even force the company garnishing your wages to return your money to you if the bankruptcy is filed within ninety (90) days.  Time is of the essence, so watch this video and call for more information today!


You Can Beat a Northern Kentucky Foreclosure

Posted on Friday, March 25th, 2016 at 8:10 am    

recieve-mail-300x225On any given weekday, somebody in Northern Kentucky is getting a foreclosure complaint. Whether it arrives by certified mail or whether a sheriff brings it to your door, the feeling is always the same: despair, grief, the feeling of being overwhelmed.

Some people do not want to lose their homes, while others have already given the house up for lost but worry about the mortgage debt following them for the rest of their lives. Many are intimidated by big law firm names like Lerner, Sampson & Rothfuss, or Weltman, Weinberg & Reis. And, most importantly, many people don’t realize how many rights they actually have.

You have the power to save your home, even though you are in arrears on your mortgage. You have the power to wipe out the mortgage debt so you can start fresh in a new home without the shadow of old debts looming over you. All you need to do is decide now, at this moment, to take action. Start being proactive and asserting your rights, instead of waiting for the bank to cut off your mortgage and throw you out of your home.

Chapter 13 Bankruptcy Can Save Your Home

A foreclosure can be stopped with a Chapter 13 bankruptcy. While any bankruptcy filing can stop a foreclosure lawsuit, only a Chapter 13 bankruptcy allows you to stay in your home by restructuring your overdue mortgage payments according to your ability to pay, not the mortgage company’s schedule. A Chapter 13 last for no less than three but no more than five years, and you will have that entire time to repay the mortgage. For that reason, even a large mortgage arrearage can be broken down into manageable chunks for repayment.

Chapter 13 bankruptcies provide immediate relief from foreclosure lawsuits, but they also provide lasting relief. When you set a good faith payment plan at the start of your Chapter 13 bankruptcy, the mortgage company’s attorneys cannot challenge that plan. Even large firms such as Lerner, Sampson & Rothfuss or Javitch Rothbone cannot beat Lawrence & Associates’ clients when a good faith plan for repayment has been set. Sometimes, depending on the amount of debt and a client’s budget, repayment plans for mortgage arrearages can be as low as a hundred dollars a month!

Chapter 7 Bankruptcy Gets Rid of Mortgage Debt

Lawrence & Associates can help you erase old mortgage debt by filing a Chapter 7 bankruptcy. Although a Chapter 7 bankruptcy will not allow you to keep your home if you are behind on payments when you file the bankruptcy, it will eliminate any need for you to make additional payments on the debt. Often, since the foreclosure process must be stalled during the bankruptcy and since the foreclosure process last for several months once restarted, our clients can live in their home for months after filing bankruptcy before they need to find a new house or apartment.

Lawrence & Associates can help you stop a foreclosure. We are Working Hard for the Working Class, and we want to work for you! Get a fresh start by calling us first. The sooner you call, the better your chances of righting the ship and sailing into a better financial future. Call Lawrence & Associates today!

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