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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


Important Considerations Regarding Debtors and Their Spouses in a Chapter 7 Bankruptcy in Kentucky

Posted on Friday, January 23rd, 2015 at 3:23 pm    

spouse bankruptcyWhen considering filing for Chapter 7 bankruptcy in Kentucky, a debtor who is married needs to take into account how one’s marriage will affect his or her ability to file. For example, according to the U.S. Dept. of Justice, the state median family income for filing a Chapter 7 bankruptcy in Kentucky is $40,020 for a single person household, while for a two person household, it is $46,815.[1] This is a particularly important factor which must be calculated when filing for bankruptcy. The bankruptcy Means Test is a formula used to determine whether your income is low enough for you to file Chapter 7 bankruptcy. High income filers who “fail” the means test may still file Chapter 13 bankruptcy as a way to discharge a portion of their debts, but it usually won’t wipe out their debts altogether.

Is the Debt in the Debtor’s Name or the Spouse’s Name?

The married debtor needs to determine whether the debts are solely in the debtor’s name, or if they are also in the debtor’s spouse’s name as well. Debts that were obtained in both spouses’ names will make each spouse jointly and severally liable for payment of that debt. Therefore, it is often necessary for both spouses to file for bankruptcy in order to avoid liability of the debt.

Conversely, if only one partner in a marriage is responsible for a debt, then generally only that spouse should file for bankruptcy. However, even in circumstances where only one spouse needs to file for bankruptcy, the debtor-spouse is still required to list his or her spouse’s income as part of the household income that is used in the Means Test. See e.g., In re McSparran, 410 B.R. 664 (Bankr. D. Mont. 2009) (unexplained failure to list non-filing spouse’s income was fatal to confirmation). Generally, this makes it more likely that the debtor’s household income will be greater than the allowed median family income, and consequently, make the debtor less likely to be eligible to file Chapter 7 bankruptcy.

Determining Eligibility to File for Chapter 7 Bankruptcy

Other factors used in determining eligibility for Chapter 7 Bankruptcy are known as adjustments. For example, a debtor’s household expenses are taken into consideration as a way to determine the debtor’s actual disposable income, and can have the effect of preserving a debtor’s eligibility to file a Chapter 7 bankruptcy when the debtor’s household income is greater than the allowed median family income. The inclusion of the debtor’s household expenses will usually be factored into the Means Test by a debtor’s bankruptcy attorney, especially when the attorney is attempting to ensure that his or her client is eligible to file Chapter 7. However, one of the most overlooked “tools” available to a married debtor who is otherwise ineligible to file a Chapter 7 due in part to the inclusion of the debtor’s spouse’s income are Marital Adjustments. “The Marital Adjustment is the portion of a non debtor spouse’s income that is not paid on a regular basis to the household expenses of the debtor or debtor’s dependants.” (John P. Gustafson, The Chapter 13 Means Test:Line-by-Line, February 7, 2013).

This means that a debtor can deduct from the non-filing spouse’s income any amount used to pay for personal expenses that are separate from the debtor’s household expenses. These expenses, also known as “marital deduction expenses,” have the effect of reducing the debtor’s spouse’s income used in the Means Test to solely the amount that is used to contribute towards the debtor’s expenses or the debtor’s dependent’s expenses.

Marital Deduction Expenses

Although there is little case from the Kentucky Federal Courts regarding what qualifies as marital deduction expenses, most courts have generally found that the following can be considered marital deduction expenses:

  • Alimony Payments
  • Student Loan payments made by the non-filing spouse for his or her own student loans
  • Car payments for the non-filing spouse’s car
  • Credit Card payments for non-filing spouse’s credit cards.
  • Etc.

Therefore, although it is clear that there are many different ways in which a debtor could become eligible to file a Chapter 7 bankruptcy, it can be a rather daunting task for someone who is unfamiliar with the bankruptcy laws and requirements.

If you are attempting to make this determination on your own, or know someone else who is, please don’t hesitate to contact Lawrence & Associates. Our attorneys are extremely knowledgeable and dedicated to making sure that you are able to take advantage of all the protections that are afforded to you in a bankruptcy.

Contact Us (859.371.5997) for a Free Consultation

[1] http://www.justice.gov/ust/eo/bapcpa/20130501/bci_data/median_income_table.htm

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.


Should I Take Out New Debt Before a Bankruptcy? The Don’ts and the Don’ts

Posted on Wednesday, January 21st, 2015 at 4:23 pm    

bad faith debtShould you take out new debt just before filing bankruptcy? No. No no no no. Please don’t. For those who are looking for a short and easy answer from an attorney, look no further. For those who want to know how taking out new debt right before filing bankruptcy can ruin your chances for a discharge, read on.

Bankruptcies Have to be Filed in Good Faith

Bankruptcies need to be filled in good faith like debt must be taken out with the good faith that you intend to pay it back. Taking out a debt with intent to discharge it in bankruptcy makes both taking out the debt and filing the bankruptcy an exercise in bad faith. The law sets an arbitrary cut off for when a debt is presumed to have been taken out in bad faith. If you take the debt out within 90 days prior to filing a bankruptcy, there is a presumption that the debt will be non-dischargeable. If you charge a de minimus amount to a credit card – say you mistakenly ring up a $7 lunch on your Mastercard – it’s unlikely the creditor will pursue the matter in court. But racking up debts of more than $500 within that 90 days is almost certain to call the creditor’s attorneys into court with you.

Usually If You Take Out Debt Just Before a Bankruptcy, You Can’t Add That Debt to the Bankruptcy

The penalty for taking out debt prior to filing is usually that the debt is non-dischargeable. This means that you can’t get rid of the debt in bankruptcy. The problem is that the entire debt is non-dischargeable, not just the amount you charged within the 90 day period. Let’s assume you have $10,000 on a Discover Card, and you add another $600 to it about a month before you file. If Discover comes to court to enforce the non-dischargeability of the debt, you now have a $10,600 debt that survived the bankruptcy. In cases where the court feels the Debtor’s behavior was especially bad, the court could kick out the entire bankruptcy and prevent the Debtor from filing again.

But Circumstances Matter; Creditors Need to Prove Your Intention of Bad Faith

Not all debts incurred within 90 days prior to filing a bankruptcy fall are necessarily going to be bad faith debts. Circumstances matter, and the creditor has to prove that you intended to act in bad faith. Let’s say you have an American Express card that you regularly pay off at the end of the month. Suddenly you have a heart attack, which gets you a whole lot of medical bills that your insurance won’t pay. You’ve got to file a bankruptcy, and your AmEx is going to get roped in with the medical bills. You’d used the AmEx all the way up to the day of your heart attack, and you need to file the bankruptcy 60 days after the heart attack. Will the AmEx debt be considered bad faith? Absolutely not. A good Kenton County bankruptcy attorney will get both the AmEx bill and the medical bills discharged, and get you a fresh start on life.

You have to give your attorney full disclosure of any debts you’ve taken out prior to filing. Experienced bankruptcy attorneys, like those at Lawrence & Associates can advise you on the best way to handle your debts and the best timing in which to file your bankruptcy.

Contact Us (859.371.5997) for a Free Consultation

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.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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.


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

Posted on Thursday, January 15th, 2015 at 4:22 pm    

Robo CallsRecently, 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 to do so. Robo calls that happen multiple times per day are especially frowned upon (although not outright illegal yet), and can result in big penalties for the creditor.

Example: Bank of American and the Coniglios of Florida

The TCPA is a powerful law, as is the Fair Debt Collection Practices Act. Either can make a creditor sorry for using abusive methods to collect a debt. Take, for example, the example of the Coniglios, a Florida couple that began receiving harassing calls from Bank of America. They sometimes received robocalls five times per day, all related to a mortgage they were behind on. Bank of America had the option to foreclose on the house, or to re-structure the mortgage so the Coniglios could get caught up, but it apparently chose to do neither. Instead, Bank of America allegedly decided to harass the Coniglios into giving up the home via robocall.  The Coniglios took them to court and they wound up receiving over $1,000,000 from Bank of America as a penalty for Bank of America’s conduct – an amount that came to approximately $1,500 per call!

Debt Harassment is Happening in Northern Kentucky Also

While the Coniglios’ case is unusual in size and scope, similar conduct by creditors causes Northern Kentucky families grief and hardship every day. Many times, this harassment forces families into bankruptcy and further hurts their credit. The emotional impact of the banks’ harassment only adds to the families’ stress from being financially strained.

If you or someone you know is suffering financially, or getting harassed by their lenders, know that you (or they) don’t have to suffer alone. A Northern Kentucky Bankruptcy Lawyer can help you!

Contact Us (859.371.5997) for a Free Consultation

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.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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Know the Consequences of Sending Gifts, Payments, and Transfers to Family Before Filing for Chapter 7 Bankruptcy

Posted on Monday, December 22nd, 2014 at 2:33 pm    

Fraudulent TranfersOnce you file for Chapter 7 Bankruptcy, the bankruptcy code provides a trustee to check into any assets that were transferred for up to a year before you filed. The trustee will be looking for “gifts” and “favorable payments.” A favorable repayments can show a preference in paying one debt over another.  A gift can show that a “fraudulent conveyance” was made. When a favorable payment or gift is paid to a family member or “insider”, the bankruptcy code is really harsh. Favorable payments and gifts to insiders can be looked at for up to two years before the bankruptcy was filed in most cases.  In Kentucky this can be extended to 5 years by the trustee using what is called a “strong arm” provision that allows trustees to use state law to go after preferences and fraudulent transfers.

Examples of Why You Need to be So Careful…

  1. Borrowing From a Close Relative for a Business – The borrower with the business intended to pay this relative back in a lump sum from a retirement account, but then it began looking like bankruptcy was imminent. This would create a double problem. The first problem is that exempt funds that would have ridden through the bankruptcy would have been converted to non-exempt funds. The second would be that the trustee pull that large lump sum payment back into the estate from the relative. From those reclaimed funds, the trustee would pay himself a percentage and the rest would have gone to unsecured creditors.
    Result… The retirement would be gone and the relative would remain largely unpaid (they would be treated the same as any other unsecured creditor and receive cents on the dollar).
  2. Securing a Personal Residence but Having a Considerable Amount of Unsecured Debt – Someone with considerable unsecured debt has their personal residence secured to the hilt, but they owned several acres in another state free and clear of any lien. –  It was important to this person to retain the out-of-state land because they wanted to give the land to someone else to keep it in the family.
    Result… Viewed as a fraudulent conveyance and the land would be taken and sold by the trustee with proceeds going to unsecured creditors.

These examples highlight the importance of sitting down with a northern kentucky bankruptcy lawyer practitioner who can help you with a comprehensive plan. Lawrence & Associates can provide swift legal action to help protect you and your family.

Contact Us (859.371.5997) for a Free Consultation

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.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


Tips For Filing Bankruptcy in Northern Kentucky During the Holidays

Posted on Thursday, December 11th, 2014 at 4:27 pm    

Holiday BankruptcyBelow are some thing to keep in mind this holiday Season if a bankruptcy is a possibility before the new year…

  1. Gifts –  Christmas gifts that are worth hundreds of dollars must be listed in your bankruptcy.
  2. Expensive Items Purchased –  Any items purchased to be kept in house or given away as a gift  to someone else has to be reported. Luxury items being purchased will raise red flags that could prevent you from discharging your debt. A luxury item is defined as something costing more the $650.
  3. Tax Refunds – Tax refunds are considered an asset and must be reported even if you do not know the exact amount you will be receiving.
  4. Home Equity – If you have a lot of equity in your home, it can limit the amount of exemption you can put towards your assets. Be very careful.

If you are planning to go bankrupt over the holidays, it would be good to consultant with a Northern Kentucky bankruptcy attorney as soon as possible.

At Lawrence & Associates, we help our clients understand how bankruptcy laws are made to protect them and will allow for a brighter financial future.

Contact Us (859.371.5997) for a Free Consultation


There’s a Lien on My Property; What Does that Mean?

Posted on Thursday, December 4th, 2014 at 4:30 pm    

lien on propertyIn Northern Kentucky and surrounding areas, creditors will sometimes sue over bills such as a Chase credit card or a St. Elizabeth hospital medical bill. Usually, these creditors are trying to garnish your wages, but sometimes the creditor will decide to put a judicial lien on your property. If that happens, there can be serious consequences. The creditor can try to force the sale of your home, and while the home remains unsold  interest will continue to accumulate. The equity you’ve worked hard to build in your home can disappear unless you taken action.

Act Quickly for Your Best Results

For most consumers, filing a bankruptcy is the best way to stop a credit card or medical bill lawsuit in its tracks. If you can, contact an attorney as soon as the complaint is filed, if not beforehand. This gives us the maximum amount of time in which to prepare for the bankruptcy and the best ability to prevent the lien in the first place. Once a lien is filed in Northern Kentucky, it is much harder to discharge the debt. Rather than being unsecured, the creditor with the lien on your property is potentially secured. Northern Kentucky Bankruptcy lawyers have the ability to strip some judicial liens based upon your equity in your property and the exemptions applicable to you.

Avoid the hassle of creditors and their liens! A free consultation  with Lawrence & Associates will help you decide what action to take.  We can also work together to stop foreclosures, repossessions, and lawsuits.

Contact Us (859.371.5997) for a Free Consultation


Keep Your Car: How You Can Stop the Repo Man

Posted on Wednesday, November 19th, 2014 at 3:32 pm    

Car RepossessionWhen 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 have to be behind on payments before they can try to repossess the vehicle. In Northern Kentucky, the average number of days a car owner is late prior to repossession of the vehicle tends to be sixty-nine, but that is not a law. Many creditors, especially buy-here, pay-here lots, tend to attempt repossession immediately after the first payment is missed. In fact, many creditors make their living by repossessing a vehicle as soon as possible, then selling the vehicle to a new person, over and over again.

Contact Your Creditor

First, be pro-active. If you call your creditor ahead of time and explain the situation, some of them will allow you a payment modification plan so you can catch up a missed payment or avoid getting behind altogether. This is especially true if you have good credit or a good payment history with that creditor. Another benefit of asking ahead of time is that you can gauge a creditor’s attitude before they have an opportunity to repossess. They can’t repossess if you haven’t missed a payment yet, but you can force them to tip their hand as to whether they would rather work out a payment plan, or rather repossess and re-sell your vehicle. Be aware that the creditor will want to know the reason you are late. If it is a one-time issue, they will be more likely to hold off on repossessing your vehicle than if you have a more long term issue, such as loss of a job.

Some Temporary Tips To Slow Down a Car Repossession 

If the creditor has already called the repo man, you can still buy time to catch up payments on the car. First, make sure your car is parked inside a garage somewhere. In Northern Kentucky, the repo man is not allowed to illegally enter a building to legally repossess a car. Second, if you have to drive your car and park it outdoors (such as at work), then don’t park it in the lot where you would normally park. Park it down the street and walk a bit. If the repo man can’t find the car, he can’t repossess it. Finally, park with your license plate facing the wall. In Northern Kentucky, cars aren’t required to have front license plates, and this means the front of your car is more anonymous than the back of the car. All of these steps are very temporary fixes. Eventually the creditor will file papers in court to force you to turn over the car, and violating a court order to turn the vehicle over will result in accusations of theft.

Bankruptcy Will Protect Your Vehicle

A Northern Kentucky bankruptcy lawyer can help you file a bankruptcy to protect the vehicle and other property. You can keep your car in a bankruptcy, even if you are behind on payments. Northern Kentucky bankruptcy attorneys can create of new payment plan with a creditor that they are forced to accept. The main benefit of bankruptcy, moreso than any other option, is that your car lender will no longer dictate the terms of payment. Instead, you will. Filing bankruptcy is often vilified by creditors, because in a bankruptcy you take the reins of your financial future and get a fresh start.

Lawrence & Associates can help you which option to take to stop the possibility of repossession today!

Contact Us (859.371.5997) for a Free Consultation


Tips On Getting Rid of Your Small Business’s Debt

Posted on Monday, November 10th, 2014 at 1:50 pm    

small business bankruptcySmall 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 who you ask) fail in the first few years they are open. The failure of a small business can be devastating to a family, and the effects can linger for many years.

Is the Debt Yours or Part of the Corporation?

In the Northern Kentucky area, one of the most significant, lingering effects of a small business is the debt incurred to open the business. If you do not incorporate your small business, then any debt you take on belongs to you as well as the business. Even if you do incorporate your small business, many creditors will make you co-sign for your business in order to get a start up loan. In either event, closing the business does not eliminate the debt. The creditor simply turns to you, the business owner, with an expectation of full payment.

Should Your Small Business Stay Open or Shut Down?

Dealing with a business’s out of control debts initially comes down to one major decision: Should the business stay open, or is it time to shut it down? This is usually a decision for the business owner and perhaps an accountant or bookkeeper to make, since they know the business better than any outsider. If the small business will stay open, then a Chapter 11 bankruptcy is probably the best way to restructure the business’s debts while the business continues to operate.  The Northern Kentucky Bankruptcy Attorney can help you with the process of filing a Chapter 11 bankruptcy.

If You Decide to Close the Business, Is Chapter 7 or Chapter 13 Bankruptcy the Best Option?

If it is time to close the small business, then the best way to deal with the debts may first be to take the value of the assets or equipment the business owns and determine if they can be sold for an amount sufficient to pay the debt.  If not, then a consumer bankruptcy – either Chapter 7 or Chapter 13 – may be the best option for most Kenton County, Kentucky residents.  If it looks like you will have to file a bankruptcy, it is very important that you speak to a Fort Mitchell Kentucky bankruptcy lawyer before disbursing any assets of the business. You might be surprised at what you can keep during a bankruptcy, and your attorney may be able to help you reduce secured debts significantly by negotiating asset transfers with secured creditors.

Delaying a Decision Is Usually a Small Business Owners Greatest Mistake

A bankruptcy of any kind, whether Chapter 7, 11, or 13, is generally a scary prospect for a small business owner. It almost always follows hard times, where money has been tight and stress has been high. However, delay is a small business owner’s greatest enemy whenever the business is failing and a change needs to be made.

Avoid the hassle of creditors and the confusion of following the bankruptcy laws on your own! A free consultation will decide which bankruptcy to file.  We can also work together to stop foreclosures, repossessions, and lawsuits. Lawrence & Associates Bankruptcy office is located in Fort Mitchell, KY.

Contact Us (859.371.5997) for a Free Consultation


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

Posted on Thursday, November 6th, 2014 at 4:57 pm    

Student LoansThere 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 client from Erlanger, Kentucky contacted us to file bankruptcy because of her student loans. Her student loans were in default and she was getting hounded day and night by the lender. She knew that student loans were not dischargeable in bankruptcy, and she didn’t know what to do.

What We Did

Lawrence & Associates analyzed our clients  debt and realized that her student loans were the only non-dischargeable debt. We further realized that she could pay the student loans off within five years with reasonable monthly payments so long as her other, dischargeable debts did not continue eating into her monthly disposable income. We filed two bankruptcies for our client, the first was a Chapter 7 that discharged her medical bills, credit card debts, and payday loans. The second was a Chapter 13 filed after the Chapter 7. In the Chapter 13, the only debt was the student loan and we forced the student loan lender to accept a repayment schedule that lasted five years. While in the bankruptcy, our client could not be hassled by the student loan lender so long as she made her monthly payments.

The Result

Our client is currently paying off her student loans and is otherwise debt free! If you or someone you know is struggling financially, give us a call. We’re here to help. Lawrence & Associates Bankruptcy office is located in Fort Mitchell, KY.

Contact Us (859.371.5997) for a Free Consultation

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