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What’s the difference between a Chapter 7 bankruptcy and a Chapter 13 bankruptcy?

Anyone who needs to file a bankruptcy is faced with an important choice: Chapter 7 or Chapter 13? Finding out what those terms mean is as simple as going to your local library, but knowing when you can file a Chapter 7 or when you should choose a Chapter 13 requires expert legal knowledge. At … [Read more...]

The Telephone Consumer Protection Act (TCPA) Protects Debtors From Harassment Such as Robo Call Abuse and Other Techniques

Recently, the Telephone Consumer Protection Act has become a big deal. This important law says that big banks, mortgage companies, and credit card companies cannot harass you when trying to collect a debt. Specifically, the TCPA doesn't allow the creditors to call your cell phone without permission … [Read more...]

Tips For Filing Bankruptcy in Northern Kentucky During the Holidays

Below are some thing to keep in mind this holiday Season if a bankruptcy is a possibility before the new year... Gifts -  Christmas gifts that are worth hundreds of dollars must be listed in your bankruptcy. Expensive Items Purchased -  Any items purchased to be kept in house or given away as … [Read more...]

Keep Your Car: How You Can Stop the Repo Man

When times get tough, you may be hard-pressed to make mortgage or car payments. In Northern Kentucky, creditors don’t have to give you any written notice of their intent to repossess your car. They don’t even have to notify you that you are late on payments. There is no set number of months that you … [Read more...]

Tips On Getting Rid of Your Small Business’s Debt

Small businesses are the lifeblood of any community, and Kentucky’s staggering number of small businesses – over 70,000 – is no exception. Unfortunately, opening, operating, and succeeding in a small business is difficult.  It is no secret that most small business (between 50% and 90%, depending on … [Read more...]

Lawrence & Associates Help a Client Being Hassled by Student Loan Lenders

There 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 … [Read more...]