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Working Hard for the Working Class

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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!


Join Us as We Restore Trees in Buena Vista Park

Posted on Tuesday, March 29th, 2016 at 7:28 am    

buenavistaparkIn the fall of 2015, vandals destroyed newly planted saplings at the Buena Vista Park in Newport, Kentucky. Lawrence & Associates heard about this criminal act through the Newport Parks Renaissance Commission’s Facebook posts, and offered to help. After six months of planning and a short winter, we are ready to help the Newport Parks Renaissance Commission re-plant the trees and restore the park.

The attorneys and staff of Lawrence & Associates will be donating their time and money to help the Newport Parks Renaissance Commission enhance the beauty of Buena Vista Park in Newport Kentucky.

Justin L. Lawrence, owner-operator of Lawrence & Associates, vouched to personally help with a donation and his own two hands when he was notified that multiple trees of Buena Vista Park had been destroyed by vandals. Since his initial pledge, multiple other members of Lawrence & Associates’ staff have now also pledged their time to restoring these trees and improving the park.

We ask that you please stop by Buena Vista Park, W 12th Street, Newport, Kentucky 41017 on April 9, 2016 at 9:00am to show your support for these wonderful volunteers.


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!


How to Protect Your Tax Refund When You File Bankruptcy

Posted on Monday, March 21st, 2016 at 12:13 pm    

In the newest video in our bankruptcy web video series, Justin Lawrence of Lawrence & Associates explains how bankruptcy filers can keep a tax refund in either a Chapter 7 or a Chapter 13 bankruptcy, and how the tax refund can be used to pay necessary bills or even for the bankruptcy itself!

This video applies to Kentucky and Ohio bankruptcy filers; if you live in another state, please confirm that the rules given in this video will apply in your state as well.


Getting Results in Personal Injury Trials

Posted on Wednesday, March 16th, 2016 at 11:23 pm    

Justin Lawrence recently wrote an article for an attorney publication called the Advocate.  In this article, Justin teaches other attorneys how jurors think of testifying experts and the best way to conduct a personal injury trial (such as a motor vehicle accident or a products liability case) when the opposing expert is a biased, paid witness with no interest in justice or the truth.

Justin Lawrence has a great deal of experience helping clients who have suffered injuries in motor vehicle accidents or by using defective products, and you can find out more about the results he has achieved for his clients on the Verdicts & Settlements page of our website.

Click the image below to read his article in the Advocate.

Advocate


Keep Your Home When You File for Bankruptcy

Posted on Monday, March 14th, 2016 at 11:47 pm    

Justin Lawrence from Lawrence & Associates explains how a Chapter 13 bankruptcy can stop a foreclosure on your home, how you can keep your home when you file bankruptcy, and how you can use a Chapter 13 bankruptcy to catch up on mortgage payments and get a fresh start.


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

Posted on Tuesday, March 8th, 2016 at 7:16 am    

hit-and-runThe 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 never found at all. In almost every case, our attorneys can recover money from an insurance policy to fairly compensate our clients for their damages. However, in many cases the insurance carrier will initially refuse to compensate the injured driver. Depending on the exact circumstances of each case, there are several ways to get paid for your injury.

What Happens When the Hit-and-Run Driver is Found?

In cases where the hit-and-run driver is found and identified by the police, our attorneys will file a claim for damages with the hit-and-run driver’s policy first. In that situation, the insurance claim is no different from any other car wreck on the road. The injured driver looks to the hit-and-run driver’s policy first, filing a lawsuit in court if necessary. If the hit-and-run driver’s policy has to pay the limits of the policy for the injury (or close to the limits), then Lawrence & Associates helps its injured clients recover money from their own policy. However, there are certain legal requirements that come into play – such as notice requirements to the injured driver’s own insurance carrier – that can cause major problems for anyone that tries to go after insurance money without a lawyer. Injured Northern Kentucky drivers should tread cautiously!

What Happens If the Hit-and-Run Driver is Not Found?

It is tougher – but not impossible! – when the hit-and-run driver is never found, but the wreck caused an injury and property damage. In that scenario, Kentucky law states that the injured driver’s insurance policy has to pay first using the uninsured motorist coverage portion of the policy. However, in doing so the injured driver’s insurance carrier becomes adversarial, meaning the insurance company wants to save its money by not paying for the injury! Insurance companies often delay or deny claims by requiring proof in painstaking detail for each and every dollar the injured driver needs for fair compensation. Often, a different, more hostile adjuster is assigned to the case and the injured driver expecting the customary friendly service from his or her carrier is taken by surprise. In Northern Kentucky, most injured drivers without counsel are never aware that they receive less than full compensation because of these factors.

What Happens If Another Driver Causes the Accident but Never Hits My Car?

The most difficult scenario occurs when hit-and-run driver is avoided, but still causes an accident. For example, Lawrence & Associates has represented drivers who struck a tree or telephone pole when swerving to avoid a negligent driver, only to see the negligent driver flee the scene without stopping to help. Although getting money in this situation is not always impossible, it is extremely difficult to recover when there is no contact between the vehicles and no identification of the other driver. Nevertheless, good legal counsel improves your chances of recovering. At the very least, good legal counsel can give you the finality of knowing that a recovery is not possible.

Can Attorneys at Lawrence & Associates Help Me Get Money?

Lawrence & Associates is Working Hard for the Working Class, and we would be happy to help you. Our lawyers are licensed in Kentucky and Ohio, and have experience in helping all kinds of car accident victims recover fair compensation for their injuries. If you’ve been injured in a hit-and-run accident, let us help you!

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