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 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.
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.
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.
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 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 Bankruptcy 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.
Our client (M.C.) was a widow who had a mountain of medical bills waiting for her after her husband lost his battle with cancer. The hospital threatened a lawsuit and would not accept the amount of money she offered to pay them each month.
What We Did
Lawrence & Associates helped our client file a Chapter 13 bankruptcy so she could keep her farm and pay a reasonable amount toward the medical bills each month. She did not have to pay the medical bills in full, but paid what she could.
Our client successfully paid the hospital to the best of her ability and received a discharge on the rest of the debt.
Providing You With Debt Relief Solutions Through Bankruptcy
Regardless of the reasons that brought you to financial distress, filing for bankruptcy does not make you a bad person. In fact, the government created bankruptcy in order to help people recover from unmanageable financial problems. At Lawrence & Associates, we help our clients understand how bankruptcy laws are made to protect them and will allow for a brighter financial future.
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. 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 recent Bankruptcy 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.
Our clients were are husband and wife who had had three children. Their wages were being garnished by multiple creditors and they were unable to pay their necessary living expenses and were desperate and in need of help.
What We Did
Lawrence & Associates filed a bankruptcy for this couple and discharged their debts in a Chapter 7 Bankruptcy. Lawrence & Associates also forced the creditors to return $1,500 to our clients because it had been garnished within the 90 day time frame before they filed bankruptcy.
Now our clients can pay their living expenses and raise their children without the constant fear of lawsuits and garnishments hanging over their heads. The $1,500 returned to them provided them a “cushion” so they can avoid this situation happening again in the future.
Moving can be an adventure, especially when moving to another state. At Lawrence & Associates, a Kenton County Kentucky bankruptcy law firm, we have had many clients move to Kentucky only to find their financial fortunes have changed. Sometimes, clients move to Kentucky for a job that winds up being too good to be true. Other clients relocate from Cincinnati to Northern Kentucky in the middle of a major life event, such as divorce. Whatever the reason, moving to a new state can present financial challenges and sometimes those financial challenges lead to bankruptcy. If you are new Kentucky and are thinking of filing bankruptcy, you may be a little confused about where you should file. Is it better to file in Kentucky, or better to file in the state you just moved from?
Have You Lived in Kentucky for More Than Six Months?
You must live in Kentucky for at least six months to be eligible to file bankruptcy here. If you’ve lived here less than six months, don’t worry – preparing to file a bankruptcy often takes a month or two all by itself, and the dates are all measured from when you actually file (not from when you first think about filing). There is an exception to this rule, but it only applies if you haven’t lived in any state for six months or more over the course of the last nine months. If you’ve lived in Kentucky for six months, you have to file bankruptcy in Kentucky!
If You Haven’t Lived in a New State for 6 Months, Where Do You Have a Better Chance of Filing the Kind of Bankruptcy You Want?
Although bankruptcy laws are federal, different parts of the country have slightly different rules relating to (for example) the way you can protect your assets from the trustee or the amount you have to pay monthly in a Chapter 13 bankruptcy. Even relatively short distances – such as moving from Cincinnati to Northern Kentucky or vice versa – can have big consequences! If you are in a grey area where the difference of a month or two will change where you file your bankruptcy, you should ABSOLUTELY talk to a reputable bankruptcy attorney right away. Timing is important and you don’t want to wait the extra couple of months only to find out that you are in danger of losing your car or home because you waited too long to file.
At Lawrence & Associates, we help people file bankruptcy every day. Further, we have the skill and expertise to help you decide which state’s bankruptcy rules would be better for you.
If you or someone you know need(s) to file bankruptcy and has recently moved in or out of Kentucky, contact Lawrence & Associates today!
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“I am happy with Justin Lawrence’s hard work on my case. I send out a big thank-you to his staff also.”
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