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Bankruptcy Explained: There Are Legal Solutions That Provide Debt Relief to Those Who Need It

Posted on Thursday, January 29th, 2015 at 2:37 pm    

fresh start bankruptcyThere 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. Have you received notice that your wages will be garnished due to delinquent payments on your financial obligations? Has the bank started foreclosure proceedings on your home? Is your car about to be repossessed? Or have you realized that try as you may, there is just no way for you to stay current on all of your bills? Regardless of the financial problems you are facing, it is important to realize that there are legal solutions to help you obtain debt relief.

Immediate Relief For Pressing Financial Problems

Above all, do not ignore your financial problems or lawsuits that creditors bring against you. These issues will not disappear. Your best option is to contact a bankruptcy attorney at the first sign of financial distress. Even if you are facing immediate foreclosure, repossession or wage garnishment, Lawrence & Associates can provide swift legal action to help protect you. Your start to a fresh financial future begins when you contact a Northern Kentucky bankruptcy lawyer. A bankruptcy attorney will help you file Chapter 7 bankruptcy or Chapter 13 bankruptcy. Good Fort Mitchell, Kentucky bankruptcy lawyers will take the time to fully explain your legal options and the bankruptcy process in an understandable way — not with complex legal jargon. Good bankruptcy attorneys will also provide advice on how to stop creditor harassment, garnishment, foreclosure and repossessions.

Contact Us (859.371.5997) for a Free Consultation


Lawrence & Associates Help a Husband and Wife in Northern Kentucky Get Released of Their Credit Card Debt

Posted on Friday, October 10th, 2014 at 1:53 pm    

credit card debtThere 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 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, a husband and wife, were getting sued by credit card companies. They had been making payments, but the interest rate were so high that their payments only went to the monthly interest on their cards. They were afraid to file bankruptcy because they were afraid they’d lose their house and their car.

What We Did

Lawrence & Associates helped them file a Chapter 7 bankruptcy and made sure they didn’t lose any property. The credit card debt – which would have already been paid back if it would have had normal interest rates – was wiped clean.

The Result

Our clients received a fresh start and then began living their lives without the constant fear of a lawsuit hanging over their heads.

If you are going through tough financial stress, call Lawrence & Associates’ Fort Mitchell, KY office to schedule a free, confidential consultation with one of our highly experienced bankruptcy attorneys.

Contact Us (859.371.5997) for a Free Consultation


Spotlight on Casey Robinson: Associate Lawyer at Lawrence and Associates Focusing on Bankrputcy

Posted on Thursday, June 5th, 2014 at 3:19 am    

Focused on Bankruptcy Cases 

I was sworn in as an attorney in Kentucky in October 2013 and started working at Lawrence & Associates in January 2014.  I was admitted to practice in the U.S. District Court in the Eastern District of Kentucky in March 2014. I work primarily on bankruptcy cases, but I also work with personal injury claims. In bankruptcy, I represent debtors in Chapter 7 and Chapter 13 cases.  I represent clients with personal injury claims from automobile accidents and slip and fall accidents. I chose to focus on bankruptcy because I really enjoyed learning how the entire bankruptcy process works during my course work in college.  Bankruptcy is very different and it is, for the most part, not adversarial.  I enjoy how cooperative the entire process is because it feels like everyone is working toward a similar goal in the end.

Devoted to Helping Clients Get a Fresh Start Through Personal Attention

At the end of every bankruptcy case, whether it is Chapter 7 or Chapter 13, I really feel like I am helping someone restart his/her life.  It is a good feeling knowing that I helped them and that they can begin the process of rebuilding their lives because of our work for them. I am from a small town in Eastern Kentucky, which is one of the poorest regions in the country. I understand the issues that many struggling families go through to make a living and I know how hard it is to recover from serious financial setbacks.

My favorite part of working in the practice is meeting new people on a regular basis.  I enjoy hearing the stories our clients have to tell us, and I think the best part is seeing the relief the clients feel at the end of our bankruptcy cases. I’m devoted to ensuring the best outcomes for my clients. Lawrence & Associates is not a factory.  We work closely with our clients from the beginning to the end of every claim and case. I get involved from the very first meeting with every potential client.  I strive to ensure that I do my best work for each and every client and that all of our clients are satisfied with my work.

Working to Eliminate the Stigma of Bankruptcy

One of the biggest challenges we face is giving potential clients the reassurance that filing bankruptcy is not a bad thing.  People have a constitutional right to seek relief in bankruptcy, which is why it is often referred to as a “fresh start.”  There is a horrible stigma that comes along with filing bankruptcy that should not be there.

First Generation College Grad

My biggest success has been graduating and becoming an attorney.  I am a first generation college graduate in my family, and I am the first to complete graduate school.  Becoming an attorney has been my dream for so long, and I am so glad to have achieved that.  My true success, however, will be helping as many people as I can as an attorney.

Other Legal Experience

I have previously worked in a number of different areas of the law, including insurance defense, domestic relations, criminal law, personal injury, Social Security, estate planning, and mining regulations.  I feel that my experience in the other areas helps me work through all of the various issues that are brought into bankruptcy cases.

Giving Back to the Community 

I work with the Kentucky Bar Association Young Lawyer Division (YLD) and the Northern Kentucky Bar Association Young Lawyer Section.  I am a volunteer with the CARE Program (Credit Abuse Resistance Education), which puts attorneys in high school classrooms to teach teenagers credit responsibility.  I am also a volunteer in the YLD’s U@18 Program, which educates 17 and 18 year old high school students regarding their basic rights and responsibilities as renters, consumers, property owners, voters, spouses, and employees.

I also recently helped to get the Cincinnati Alumni Chapter of Phi Alpha Delta, Law Fraternity International, reactivated.  The Chapter will participate in a number of philanthropy and professional events over the course of a year, and it allows us to work with undergraduate and law school students in their chapters.  We are able to connect to Chapters across the world.

Best Advice

The best advice I ever received came from my mother.  She always told me that you won’t know an answer if you don’t ask the question and that you’ll never get help if you don’t ask. I make it a habit now of never hesitating to ask a question and to keep asking questions until I get enough information.  I always advise people that it is okay to ask for help because everyone needs help at some point.  We are here to help, and all you have to do is ask.

About Our Bankruptcy Practice

bankruptcyThere 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. Have you received notice that your wages will be garnished due to delinquent payments on your financial obligations? Has the bank started foreclosure proceedings on your home? Is your car about to be repossessed? Or have you realized that try as you may, there is just no way for you to stay current on all of your bills? Regardless of the financial problems you are facing, it is important to realize that there are legal solutions to help you obtain debt relief.

Immediate Relief For Pressing Financial Problems

Above all, do not ignore your financial problems or lawsuits that creditors bring against you. These issues will not disappear. Your best option is to contact a bankruptcy attorney at the first sign of financial distress. Even if you are facing immediate foreclosure, repossession or wage garnishment, Lawrence & Associates can provide swift legal action to help protect you. Your start to a fresh financial future begins when you contact the bankruptcy law firm of Lawrence & Associates. Our firm helps clients file Chapter 7 bankruptcy and Chapter 13 bankruptcy. When you work with our firm, we will take the time to fully explain your legal options and the bankruptcy process in an understandable way — not with complex legal jargon. We can also provide advice on how to stop creditor harassment, garnishment, foreclosure and repossessions.


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

Posted on Friday, April 18th, 2014 at 4:12 pm    

bankruptcy papersMany 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 November 2005. The rush of Chapter 7 filings in October 2005 helped save many people from ruthless creditors who were trying to take their property or garnish their paychecks.

Chapter 7 Bankruptcy Can Only Be Filed Every 8 Years

The unfortunate side effect was that all those bankruptcy filers from 2005 were prevented from filing bankruptcy between October 2005 and 2013. The bankruptcy code only permits a Chapter 7 to be filed every eight years. The eight years is measured from the date of the first bankruptcy filing to the date of the second bankruptcy filing. If no discharge is received during the first bankruptcy, then the eight year limitation does not apply. However, most Chapter 7s result in a discharge. Although you can file a Chapter 13 within eight years of receiving a discharge from a prior bankruptcy, there are certain limitations that apply to Chapter 13s as well.

Have You Been Waiting to File For Chapter 7 Bankruptcy?

There are many people in Northern Kentucky that filed bankruptcy eight years ago and have found themselves in the same unfortunate situation now that they were in then. Many have gone through divorce or have had unexpected medical problems. Others still struggle with student loans that they were unable to discharge in the first bankruptcy, and these payments have led to more credit problems. Others were caught in the financial crisis and lost their homes to foreclosure. Whatever the reason, there are many people who have been waiting to file a Chapter 7 and that time is now upon them.

The Latest Generation of Bankruptcy Laws Requires a Great Deal of Paperwork

The most important thing for a Northern Kentucky bankruptcy filer to realize is that the new bankruptcy laws require a great deal of paperwork. If you intend to file bankruptcy in or near the date you are eligible in 2014, you should get started early. The requirements are very different now than they were eight years ago. A Northern Kentucky person filing for Chapter 7 bankruptcy today has to do many different things that were not required in 2005. If you don’t consult with an attorney now, you will probably not be ready to file in October.

If you or someone you know may need to file bankruptcy, contact a Northern Kentucky Bankruptcy Lawyer today. Lawrence & Associates can help! We serve all of Northern Kentucky including Boone, Kenton, Campbell, Gallatin and Grant counties! 

Contact Us (859.371.5997) for a Free Consultation


Northern Kentucky Residents Have a Right to Haggle Over Their Debt

Posted on Friday, April 4th, 2014 at 3:09 pm    

lender callsThere 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, normal life. The truth is that you have every right to negotiate down your debts, and that the lender or collection agency will usually work with you if you stand your ground and dangle a carrot in front of them. Don’t forget that the fees, fines, interest rates, and negative remarks on your credit report are not unchangeable, universal laws physics that cannot be altered. They aren’t laws at all, actually; rather, they are only policies, arbitrarily set by the lender (and often arbitrarily changed by them, too). Policies that are set arbitrarily and changed arbitrarily can be negotiated. Also, don’t forget that the lender you are using is a business, and it is in competition with every other lending business out there. If the lender is faced with a choice of waiving a few late fees or watching you walk to their competitor and pay them exorbitant interest rates for a while, then it’s no choice at all. The lender would much rather work with you than watch you walk to a competing Northern Kentucky business.

Bankruptcy is a Creditor’s Trump Card and a Fresh Start

In a bankruptcy, you have the ability to force the lender to take nothing (or much less than 100%) in return for their loan. Obviously, this is the worst possible outcome for the lender, and you have a Constitutional right to spring it on them at any time. The lenders know this, and this is a principal reason that they continue to perpetrate the myth that rearranging your debt is a sin; absent any legal way to prevent you from using your trump card, they try to convince you that the trump card is evil. Calling bankruptcy a trump card, by the way, is poetry because Donald Trump has filed for bankruptcy on multiple occasions. The belief in this myth is a major way that the thinking of wealthy people and business owners differs from the thinking of the poor and middle classes. Wealthy people and business owners don’t feel bad about filing bankruptcy or re-negotiating debt; it’s just another business decision. That decision should have no different connotations for you.

You Have Rights When Dealing With Lenders

When dealing with a Northern Kentucky lender, remember to be firm and remember that you have rights. The person you are talking to almost certainly has some ability to help you. If not, his or her supervisor does. However, you’ll catch more flies with honey than vinegar. That means you must be polite and calm. Calling them in a temper tantrum won’t solve anything. They don’t have to help you, any more than you have to work that extra shift to pay their bill. If you have a lender that is abusive – including calling you at odd hours, calling friends and family about your debt, calling you at work, or telling you they’ll have you arrested – ask for the person’s name, employee number, direct line, or any other identifying information you can think of. Tell them you are gathering this information in order to file a Fair Debt Collections Practices Act (FDCPA) violation complaint. If that doesn’t change their tone, get a lawyer to deal with them for you. And if the lender really won’t budge, or if you have so many lenders that you can’t pay the bills even if they do try to help you out, then get ready to file a bankruptcy. Bankruptcy wipes the slate clean and gives you a fresh start.

Lawrence & Associates are Northern Kentucky lawyers who fight for the rights of debtors just like you, every day. Lawrence & Associates can help!

Contact Us (859.371.5997) for a Free Consultation

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