The short Answer at Lawrence & Associates is that in most cases it costs $870 for a Chapter 7 bankruptcy or $300 out of pocket for a Chapter 13 bankruptcy, plus court fees of $335 for a Chapter 7 or $310 for a Chapter 13. In extremely complex or extremely simple cases our prices will vary but those cases are very rare.
In a Chapter 13 Bankruptcy, What Do You Mean By Out of Pocket?
In a Chapter 13 bankruptcy, Lawrence & Associates will end up getting $3,500 ultimately but the client will only have to pay us $300 out of pocket plus court fees. In a Chapter 13 bankruptcy, the client never has to pay the full fee out of pocket. The remainder of the $3,500 fee that Lawrence & Associates gets is paid through the bankruptcy court.
How Are Court Fees Paid?
The client prepays the filing fee to Lawrence & Associates and then we pay the fee for them when we file.
What about Consultations and Retainers?
Initial Consultation are always free, with no obligation to sign up.
Sometimes you need us to act quickly and get the details later. In that case, we can be retained for $275 to start working on the bankruptcy immediately.
Presently student loans are non-dischargeable in a bankruptcy and it doesn’t seem that Congress is likely to change this rule anytime soon. The only way to get rid of a student loan is by paying it off.
Types of Student Loans…
Loans from the Federal Government – Loans from the federal government are typically low rate and the government is less likely to be aggressive when chasing debtors down for money.
Student Loans from Private Lenders – Private lenders of student loans are in most cases aggressive in collecting debts. These lenders can be a real nightmare to deal with.
Students Need To Be Careful About Taking More Loans Than They Need
A lot of students take out large loans that cover all tuition, rent, and living expenses for a semester, when they could take out just enough to cover tuition and work to pay their rent and living expenses, which is the better idea. Also, students need to look at the average earnings for graduates with a given degree and compare that to the amount of tuition going into that degree to see whether it is even possible to pay the loan back. There are many degrees obtained from high priced institutions where it is almost mathematically impossible to pay the loans back.
Next Steps for Those With Large Amounts of Student Loans?
Since you can’t discharge student loan debt, you would be best to just pay them. Maybe you can cut expenses enough to make this happen. This is your best option. For those who just can’t handle their other debts to enable them to pay down their student loans; chapter 7 or chapter 13 bankruptcy may be an option.
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.
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.
St. Elizabeth Medical Center is the largest medical provider in Northern Kentucky, serving thousands of patients daily. In addition to its five area hospitals in Boone, Kenton, Campbell and Grant counties, St. Elizabeth also owns multiple medical practices in areas ranging from physical therapy to business health and women’s health. While St. Elizabeth can be a great force for good for the Northern Kentucky community, they are also known as an aggressive bill collector that will file lawsuits against its patients for collection of bills, or send bills to collection agencies. Even if you are insured, St. Elizabeth can file a lawsuit for the portion of your treatment bill that is not covered by insurance.
You Have the Right To Reduce or Eliminate Medical Bills
If this happens to you, as a Kentucky citizen you have rights to help reduce or even eliminate the medical bill in its entirety. This is especially important for medical costs, because unlike many other types of debt a medical bill can cost enormous amounts of money and can be totally unexpected for even the most diligent and reasonable person. I speak from experience – my son had complications at birth that caused medical bills of nearly a million dollars. We were fortunate that her employer had insurance to cover the vast majority of these bills, but many people are not that fortunate.
You Could Try to Negotiate Lower Payments
If St. Elizabeth (or any other medical provider) has sent your bill to collections or is suing you for full payment of the bill, don’t despair. You need to take action (and quickly!), but you do have options. First, be aware that you can often negotiate your medical bill down to a fraction of the total bill. This is because Northern Kentucky medical providers often bill from a “chargemaster”, which sets an arbitrary price for services the hospital provides. All health insurance companies, as well as Medicare and Medicaid, negotiate reduced rates from the chargemaster. For this reason, most medical providers don’t actually expect to receive the full amount of the bill they have given you, although it is quite rare for any Northern Kentucky medical provider to negotiate below the amount they have agreed to pay a health insurance company for any given treatment. If you want professional help negotiating down your medical bills, there is a cottage industry of people that are familiar with Medicare guidelines that can try to pressure health care providers into reducing their bills to a more reasonable amount. You can also try a debt consolidation company, and there are several that service the Northern Kentucky area or operate nationwide.
The Problem with Negotiators and Debt Consolidators
The central problem with both a private negotiator and a debt consolidation company, however, is that they have no power to force the medical provider to do anything. They are only asking permission. If an aggressive medical provider, such as St. Elizabeth, refuses to negotiate, you will have paid money to the negotiator or debt consolidation company for no result. Often, a medical provider that will not negotiate will decide to sue instead. Courts in Boone County, Kenton County, Grant County, Gallatin County and Campbell County routinely see such lawsuits and rarely – if ever – side with the patient. They are courts of law, not courts of fairness, and the law is on St. Elizabeth’s side.
Wiping Debts Clean with Chapter 7 Bunkruptcy
This is where a Chapter 7 bankruptcy can be very important. In a Chapter 7 bankruptcy, your medical debts will be wiped out completely. You can also choose a Chapter 13 bankruptcy, in which you would pay back a reasonable portion of the medical debt before having the remainder of the debt wiped out. The attorneys at Lawrence & Associates are skilled bankruptcy practitioners, and we have helped hundreds of people discharge medical debts and receive a fresh start on life. At our Fort Mitchell, Kentucky offices, Lawrence & Associates can counsel you on how to file bankruptcy, discharge the greatest amount of debt possible, keep all of your assets through the bankruptcy, and get control of your financial situation.
It is key to understand your rights when deciding to file for bankruptcy. If you are considering filing a bankruptcy, contact the experienced attorneys at Lawrence & Associates. We can help!
A man was injured when a piece of construction equipment collided with his vehicle and crushed him.
A man was working on a motor vehicle when a truck struck the vehicle. The man was pinned between the two vehicles, and his hips and legs were broken.
A man was changing a tire on an Ohio road when he was negligently struck by another vehicle, resulting in life threatening injuries.
A woman was killed while driving due to spillage left on the road.
A man developed a rare nerve condition due to his employment, which made it impossible for him to use one arm.
A man was a passenger in a rental car when it spun out of control and killed him.
A barge worker (Jones Act Seaman) was climbing down a ladder from an empty to a loaded barge when the improperly secured ladder collapsed. The worker’s head injury which caused...
“Mr. Tripp did a great Job on my case. Made me feel at ease and made everything easy. I would definitely recommend Peter Tripp.”
“Overall...she knows what's she is doing attentive on time and she will fight for you without judging or being pushy.”
“Mrs. Rodriguez was great, this was my first time ever seeking legal assistance with anything and she was very helpful for the whole process, she explained everything that was needed...”
“Danielle handled my case with care and compassion she knew that I was in over my head. She talked to me and made me feel at ease. She is a...”
“She is awesome, if I have a question she is on it. She takes the time to explain everything to me until I completely understand. She's very nice, polite, and...”
Bessie - Warsaw, KY
“Very clearly defined what was going to happen and then took control of the situation and got things done. Had been fighting things for over a year before her”
Michael - Crittenden, KY
“Lawrence & Associates handled my case professionally with detailed explanations of the process. Every question I had was answered to my satisfaction. Their knowledgeable staff guided me through a difficult...”
Glen - Union, KY
“I worked with Marisa after a coworker recommended her. I have worked with with a few attorneys due to some on-going issues with an ex-spouse. Marisa was much better to...”
Charles - Cincinnati, Ohio
“She (Marisa Dyson) went above and beyond for my family after we got scammed out of $1,000 even though it was a small claim she treated our case like it...”
Janyce - Blue Ash, Ohio
“My family retained Marisa to represent our father in an Ohio Worker's Compensation fraud case. Every other attorney laughed at him and said it was hopeless. Marisa put her heart...”
Danielle - Lebannon, Ohio
“I previously submitted a rating for Ms. Rodriguez a few months ago. She represented me and my family very well in a personal injury matter arising from a car accident....”
Heather - Highland Heights, Kentucky
“Having Danielle go to bat for me was a decision I'll never regret. She's a thorough sharp shooter who does what she says she's going to do. Danielle has excellent...”
Julie - Florence, Kentucky
“I recommend Pete as an attorney to anyone who's been injured because he took care of me personally when it came to helping me with getting my medical benefits through...”
Chris - Cold Spring, Kentucky
“Danielle Rodriguez worked very hard to help me with my insurance company after I was hit by a non-insured, non-licensed driver who hit my car. She explained that is why...”
Denise - Fort Mitchell, Kentucky
“Mr Tripp was very helpful with all the questions I had about my workers compensation claim. He seemed very knowledgeable and really explained things in a way that I could...”
Becky - West Chester, Ohio
“I highly recommend Justin Lawrence and his office. I have sought guidance from Justin in personal injury cases multiple times over the years and have referred countless individuals to him...”
Aaron H - Union, Kentucky
“Without hesitation, I would recommend Ms. Rodriguez to anyone seeking high-quality legal representation. You can trust her to work hard on your behalf. She was knowledgeable, thorough, responsive, and kept...”
Heather - Newport, Kentucky
“I just used Mr.Tripp to settle a workman's comp claim and he was phenomenal. He was very professional. He told me up front what to expect an what he expected...”
Ernest - Covington, Kentucky
“My experience with my attorney, P. Tripp, was excellent. My case was settled with an outcome beyond my expectations. He was very informative with future happenings and knew what to...”
J. Good - Newport, Kentucky
“The professionalism along with genuine care for a client could not be beat. I walked in with my problem and walked out with no worry. I highly recommend this group...”
Becky R - Covington, Kentucky
“I was fortunate to have Peter Tripp as my attorney. If I ever need a lawyer again, (I hope I never do) I will call him. Mr. Tripp was very...”
Larry S. - Highland Heights, Kentucky
“Mr.Tripp was very honest, up front and a genuine guy. He did not promise me anything but he said he would work hard to get every penny that I deserved...”
John - Walton, Kentucky
“I was referred to Peter Tripp by my personal attorney and he successfully and fairly settled my worker's compensation claim. My former employer became much more cooperative once Pete began...”
Danny - Fort Thomas, Kentucky
“Justin recently assisted me with a Chapter 13 bankruptcy filing. Needless to say this is a very traumatic experience for one to go through. Justin's advice, knowledge, responsiveness, and compassion...”
Ralph - Cincinnati, Ohio
“I thought Justin was very professional and took care of my case as quickly as possible. He was knowledgeable on the procedures and what information he didn't know he researched...”
Jennifer - West Chester, Ohio
“Justin has been excellent throughout my case. He was very reassuring from the beginning. Justin has worked hard at my difficult case and has made every effort to keep me...”
Rebecca - Blue Ash, Ohio
“I have a work injury and was having trouble getting my injury taken care of through Workers Compensation. Lawrence & Associates worked on my case from day one and I...”
Jackie S - Dry Ridge, Kentucky
“I was struggling with debt and had to file bankruptcy. I looked at several lawyers and felt Justin Lawrence was the most trustworthy and inspired confidence. His rate was reasonable...”
Jose - Florence, Kentucky
“After my car accident I spent weeks trying to deal with insurance companies with no satisfaction. I contacted Justin Lawrence and his firm. Justin explained step by step how the...”
Rodeny N - California, Kentucky
“Justin Lawrence and his staff were very down to earth and personable. They made my wife and I very comfortable and turned a very uneasy situation into not such a...”
Chad P - Florence, Kentucky
“Our home of 25 years was in foreclosure and we were devastated. We didn’t know what to do. Someone told us about Justin Lawrence. He began to work on getting...”
Janice F - Warsaw, Kentucky
“Not only did Justin Lawrence do a great job on handling my case, he is a great guy as well. A very good lawyer!”
Timothy M - Warsaw, Kentucky
“I contacted Justin Lawrence and his firm when my uncle needed help getting social security. Mr. Lawrence and his staff were professional and kind, always asking how my uncle was...”
Emily B - Warsaw, Kentucky
“Great Attorney and staff – fabulous to work with!”
Shannon S - Seymour, Indiana
“The service provided by Mr. Lawrence and his firm was rendered professionally, timely, and with complete concern towards my situation. I would use their services again.”
Patricia P - Falmouth, Kentucky
“I am happy with Justin Lawrence’s hard work on my case. I send out a big thank-you to his staff also.”
Jacklyn E - Verona, Kentucky
“Justin L. Lawrence and his firm assisted me with some probate court issues and he had all the legal documents in order for my court date. He represented me in...”
Julie B - Ft. Thomas, Kentucky
“Justin Lawrence is a very good attorney and his staff is very nice. Justin is very knowledgeable about the law”
Rhonda M. - Warsaw, Kentucky
“I recently contacted Justin Lawrence for legal assistance, and his firm not only presented itself in the utmost professional manner, but the understanding of their clients well surpassed expectations. I...”
David S - Burlington, Kentucky
“I find Justin Lawrence to be a most competent attorney. Everyone at Lawrence & Associates is very accessible and I would highly recommend Justin and his team.”
Sonny R - Glencoe, Kentucky
“I went to Lawrence & Associates with a problem and within 1 week Justin Lawrence had some money coming to me that was rightfully mine. And soon after that he...”
Tracy B - Sparta, Kentucky
“My experience at L&A was delightful, I couldn't have had a better experience...The attorneys go out of their way to train people to deal with clients who are going through...”
“After being left in the cold by a reputable local firm, Kelsey Westermeyer stepped up and saved my case. I came away with a fully favorable decision and a new...”