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.
The Situation
Our client needed to stop a foreclosure on her Northern Kentucky home. She was behind on her mortgage because she had unexpectedly gotten laid off, and it had taken her a few months to find a new job. The foreclosure had been filed and she had no way to defend it.
What We Did
When out client called Lawrence & Associates, we let her know that she could save her home with a Chapter 13 bankruptcy, so long as she filed the bankruptcy before the Master Commissioner’s sale on her home. Even if the mortgage company gets a judgment on the foreclosure, they cannot take the home so long as the mortgage arrearage is repaid inside a Chapter 13 bankruptcy.
The Result
Our client got to keep her home and she was able to repay her mortgage arrearage. With her new job and reduced debt, F.S. has gotten the fresh start through the bankruptcy court.
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.
If you have received notice that a creditor is suing for the right to garnish your wages, or if they have already begun to deduct money from your paycheck, it is time to seriously consider your options in bankruptcy. Many people find themselves facing wage garnishment when they were already having trouble paying all their monthly bills. So, when one of your creditors begins to take money straight from your paycheck, you may find yourself in worse financial distress than before.
Protecting Your Paycheck From Creditors
A Northern Kentucky Bankruptcy Attorney helps its clients obtain debt relief through Chapter 7 and Chapter 13 bankruptcy. As part of this process, an attorney can help you deal with threatened or realized wage garnishment issues. When you work with a good Bankruptcy Lawyer, they will quickly assess your financial circumstances and decide which type of bankruptcy will be best for you and your family. Once they file a Chapter 7 or Chapter 13, the wage garnishment will stop immediately.
Experienced Bankruptcy Lawyers Can Stop Wage Garnishment
Good bankruptcy attorneys can stop creditors from garnishing your wages. They will work to build a strong and successful case for you against creditors that are or are wanting to garnish your wages.
Did You Know?
Once a creditor has secured a ruling to garnish your wages, they can often take up to 25 percent of your income per month, until the debt is repaid in full.
Even if a creditor has already begun to garnish your wages, there may be legal remedies to reclaim the money — but it is nearly impossible to achieve without a qualified lawyer on your side.
Regardless of where you are in the garnishment process, time is always of the essence. Your best chance to stop a creditor from taking your income is to contact Lawrence & Associates right away. We are always prepared to take swift legal action in order to stop a garnishment and protect our clients.
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.
The Situation
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.
The Result
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.
The Situation
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.
The Result
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.
The Situation
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.
The Result
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.
Proudly Serving
Cincinnati & Northern Kentucky Since 2005
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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...”
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Becky R - Covington, Kentucky
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“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
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Jackie S - Dry Ridge, Kentucky
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Jose - Florence, Kentucky
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Rodeny N - California, Kentucky
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Chad P - Florence, Kentucky
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“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
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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.”
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Jacklyn E - Verona, Kentucky
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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.
If you have received notice that a creditor is suing for the right to garnish your wages, or if they have already begun to deduct money from your paycheck, it is time to seriously consider your options in bankruptcy. Many people find themselves facing wage garnishment when they were already having trouble paying all their monthly bills. So, when one of your creditors begins to take money straight from your paycheck, you may find yourself in worse financial distress than before.
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.
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.
