Louisville Bankruptcy & Foreclosure Lawyer
In our office Clients Matter 502-625-0905
Your First Obligation Is to Yourself and Your Family Not the Bank.
Let us explain your options!
The bank’s attorney won’t explain how you can file bankruptcy or sue the bank back.
They record every conversation and then use it against you in court as an admission.
Filing Bankruptcy made Quick, Effective & Simple in 4 Easy Steps!
First, gather the documents Debtors must provide to the Court. Trustees look for assets, income, and transfers you made before filing. You may upload files as part of your intake or bring them in on a thumb drive. Please keep them in order.
Fill in your online intake
Second, the below link lets you complete our intake. You can upload pdf files from home, bring them in on a thumb drive, or we can scan them for you. You should be able to file bankruptcy in one trip! Please put them in 1,2,3 order.
Take the required Class
Third, before filing, you must take a counseling class. Cases cant be filed and are dismissed without it. Debtors take a debtor education class later to get a discharge. You can prepare a petition with just income information
Make the Appointment
Clients with complete documents can often prepare a Bankruptcy in one trip. Make the appointment. Talk to Nick personally to file your Bankruptcy or defend a foreclosure. Our Manual and website explain how to get the most benefits.
What makes filing Chapter 7 or 13 with Nick Thompson better?
First, I prepare each case. You are never handed over to a paralegal. I usually meet with you for 1-2 hours to learn and plan your goals with you. I then spend two hours in a second appointment personally preparing your case to ensure it is perfect. I accept less than 20 cases per month so that we can spend time on each case.
You will talk to my assistant or me when you call instead of being handed over to someone else. In other offices you may never meet any attorney. In our office clients matter.
In 2020, I filed the first Chapter 11 Small Business Reorganization Act (SBRA) case in Kentucky for a family run business. I have been an assistant county attorney and a former tax prosecutor for the tax department. We bankrupt the difficult debts like income taxes, stop foreclosures, and manage student loans. Call 502-625-0905 today for the legal counsel you need to help you through your financial crisis.
Louisville Bankruptcy & Foreclosure Lawyer qualifications
Our office has over 70 five-star reviews on Avvo from other bankruptcy lawyers nationwide and clients with a five-of-five stars rating. Over 30 attorneys have recommended our office as the lawyer to go to on Avvo.
On Google, there are over 50 five-star rating reviews from KY clients. Nick has received the Three Best Rated award for five consecutive years as one of the top three best-rated consumer bankruptcy and foreclosure attorneys in Louisville, Kentucky.
One of Kentucky's Top Rated Foreclosure Lawyers
The National Business Institute (NBI) chose our office to teach attorneys nationwide how to fight foreclosures, discharge income taxes, and fight student loan collections. I am one of the first 50 assistant attorney generals to obtain a license before the United States Tax Court in Washington, DC (license #51). Our office has the high qualifications for defending foreclosures and filing bankruptcy. Give yourself that fresh start, and call now for a free appointment.
Awarded by Three Best Rated for the 5th straight year as one of the top three bankruptcy attorneys in Kentucky
Download the How to file Bankruptcy Manual
Three different Federal reserve bank studies agree that people who file bankruptcy have higher credit scores than people who needed to file but didn’t. Not filing, filing too late, or using an inexperienced attorney costs you time, property and money.
For over 30 years, almost everyone who has come into my office recognizes bankruptcy needs to be a financial decision, not an emotional one. The mistake people make is waiting too long to file for bankruptcy or using an incompetent attorney.
Debtors often don’t understand bankruptcy because they don’t do it every day. But, if you download my book and read it from front to back, you will understand how bankruptcy works.
Here are some of the topics:
1. Planning to get the most benefit.
2. Avoid lawyers who put you into Chapter 13 just to make higher fees.
3. Never mortgage a home or cash in retirement to repay debts.
4. If you transfer property correctly, you may be able to keep the asset or value.
How Nick Can Help You
Please read here about how to file bankruptcy in general People who don’t file bankruptcy hurt themselves by living with poor credit. They pay more for homes, cars, insurance, and everyday items. People in default who do not file bankruptcy are unable to obtain credit at reasonable rates. And they are often unable to save for retirement or repay the debt because of higher rates and costs. “Federal Reserve Bank of New York.” Two Federal Reserve studies concluded filing bankruptcy created more wealth when petitions were well planned and prepared. See these studies
Events like a divorce, death in the family, temporary disability or job loss happen. Even the best people can find themselves unable to cover mortgage payments. If you miss mortgage payments for two months or longer you go into foreclosure. With foreclosure, you face a simple financial decision to keep your home or let it go back. We help you properly go down one of two paths. Sometimes you need time to find a new home which may take months or even a year or two. You need to defend the foreclosure. Other times you just need to catch it up and file a Chapter 13. Read More on Foreclosure
A Chapter 13 Bankruptcy can do everything a Chapter 7 can – only better. It has tools to deal with a wider variety of problems a Chapter 7 can’t solve. Chapter 13 can cure a foreclosure over time and protect a cosigner. In some cases, it can strip away a second mortgage. It can ensure you don’t lose property. A Chapter 13 is often used to manage student loans, taxes and mortgages. Read More on Chapter 13
Chapter 7 bankruptcy is easy, quick and inexpensive – the process is over in just about four months, and no payments are made to the court. You don’t have to turn in an annual budget or ask permission later to sell or buy property. For people with average to small incomes and little or no equity in property Chapter 7 is often the way to file bankruptcy. You have to be wary of transferring property just before filing. But there are many reasons to choose chapter 7 over a 13. Read More about Chapter 7
Testimonials from Clients and Other Attorneys
Nick C. Thompson
Louisville Bankruptcy & Foreclosure Lawyer
Louisville Kentucky’s Bankruptcy and Foreclosure Attorney who
wrote the book on how to file bankruptcy!
Why hire me? I have over 33+ years of experience in bankruptcy and foreclosure court. This includes over 4,000 Chapter 7 and Chapter 13 case cases, in addition to over 1,000 foreclosures I have defended.
While I am not a CPA, I trained and sat for the CPA exam. I am a former tax prosecutor and ran an accounting department of Keystop oil company. Accounting is not my passion. Instead, I am a lawyer who enjoys suing banks and debt collectors. I am also the author of manuals, audio productions, and videos on how to file bankruptcy and defend foreclosure cases.