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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...]

Does Filing Bankruptcy Affect a Co-Signer’s Credit?

Many people who file bankruptcy in Northern Kentucky have co-signers on their debt. For some, the co-signer is part of the reason they are filing bankruptcy in the first place! I cannot count the number of parents I have met who have had to file bankruptcy because they were sued when a child … [Read more...]

What is a Chapter 13 Bankruptcy?

Chapter 13 is a type of bankruptcy that allows consumers who are struggling with debt to seek relief through the court. Chapter 13 is commonly used by people who are facing home foreclosure, as it can stop that process in its tracks. A debtor must meet Chapter 13 requirements to file for bankruptcy … [Read more...]