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Credit Card Purchases: Why Calculating Interest Is the Most Important Step You’ll Ever Take

Credit cards are ubiquitous in American society. We get offers to take out a new credit card when we turn eighteen, prisoners get offers to take out credit cards while they are still in jail, and even the recently deceased still get offers to take out a credit card well after the day they died. It … [Read more...]

What are the effects on my spouse if I file bankruptcy?

In this video, Justin Lawrence talks about the effect on a non-filing husband or wife when their spouse needs to file bankruptcy. What happens to their assets? Which debts get discharged? And what happens to the non-filing spouse’s credit score? Watch this video to find those answers and more! … [Read more...]

How to Stop a Car Repossession by Filing for Bankruptcy

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 … [Read more...]

You Can Protect Your Tax Refund in Bankruptcy

The beginning of the year is always the busiest season for filing bankruptcy. Nobody likes to think about their financial troubles during the holidays, and often the holiday spending that so many businesses rely upon is the same tipping point for balanced debt to begin spiraling out of control. But … [Read more...]

A Debt Collector Threatened Me with Fraud and Jail. Can They Do That?

Lawrence & Associates has told you before about creditor harassment, and with a list of things the creditor can and cannot do. We’ve also talked repeatedly about illegal scams where someone calls and pretends to be a debt collector in order to swindle you out of money. This post is slightly … [Read more...]

If I’m Struggling With Bills, Which Should I Pay First?

Many of our clients are facing the same problem: there isn’t enough money to go around, and they are robbing Peter to pay Paul. Some clients come in for bankruptcies after some financial calamity and are juggling credit cards just to put food on the table. Others come in for an injury, following a … [Read more...]

Steps To Take Before, During, and After a Bankruptcy To Reduce The Impact On Your Credit

Many people wonder how they can protect their credit during a bankruptcy. There are actually several steps you can take before, during, and after a bankruptcy to help reduce the bankruptcy’s impact on your credit to the greatest extent possible. The Fort Mitchell, Kentucky offices of Lawrence & … [Read more...]

Lawrence & Associates Help a Client Keep Her Home Using Chapter 13 Bankruptcy

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 … [Read more...]

Illness and Overwhelming Medical Bills Send Many into Bankruptcy

According to a 2007 study, 62.1% of all bankruptcies have a medical cause and the share of bankruptcies attributable to medical problems rose by 50% between 2001 and 2007. [1] Moreover, a recent article in Forbes highlighted one woman’s story of illness and mounting debt and stated that overwhelming … [Read more...]

A Fresh Take on Bankruptcy: Filing for Bankruptcy Can Benefit Individuals, Companies and Society

The Webster Dictionary defines bankruptcy as the quality or state of being bankrupt or the utter failure or impoverishment. Although the definition of bankruptcy gives off a negative connotation, it doesn’t have to. Filing for bankruptcy can benefit individuals, companies and society as a whole. A … [Read more...]