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You Can Beat a Northern Kentucky Foreclosure

On 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, … [Read more...]

Will My Insurance Cover Me for the Injury I Got in a Hit-and-Run?

The attorneys at Lawrence and Associates have helped many drivers who were hurt in a hit-and-run collision. These claims can be simple – for example, when the hit-and-run driver is found by the police and has alcohol in his or her system – or complex – for example, where the hit-and-run driver is … [Read more...]

How Can I Stop My Car From Getting Repossessed?

A car is a necessity in modern life. We need to go to work, school, and home, and few of us live in walking distance. Therefore, the prospect of a car’s repossession is frightening. Once you finance or lease a car, your car lender has certain rights and remedies that come with the contract you sign. … [Read more...]

Am I Covered Under Kentucky Workers’ Compensation?

Workers compensation in the state of Kentucky is a state-mandated, "no-fault" insurance system that pays benefits to workers injured on the job. It is managed by Kentucky’s Department of Workers’ Claims. Any employer who has at least one employee must acquire this coverage before the employee’s … [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...]

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...]

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...]