Louisville Bankruptcy Attorney KY Foreclosure Defense Lawyer
I'll Help You...
- Become Debt Free
- Clean Up Your Credit
- Increase your net worth
- Provide for your family instead
I'll Stop...
- Foreclosures
- Lawsuits, Judicial Liens
- Bank Garnishments
- Wage Garnishments
Why Choose Nick C. Thompson as your Louisville Bankruptcy Attorney: Proven Experience & Trustworthy Defense
Nick C. Thompson offers unique benefits that set our firm apart in Louisville, Kentucky. We take fewer than 20 cases a month to give you the attention it takes to get results. :
🔥 The Financial Edge: Former Tax Prosecutor: Nick knows how to bankrupt and navigate tax and other hard-to-manage debts, such as student loans and mortgage foreclosures. We use this knowledge to develop strategies for curing a default, restructuring mortgages in foreclosure, and addressing hard-to-manage debts, such as income tax debts.
⚖️ The Local Authority: Born in Louisville, KY, and a Former Bullitt County Assistant Attorney: With deep roots and local court knowledge in Jefferson County, Bullitt County, and surrounding Kentucky jurisdictions since 1991.
🕰️ 35+ years Over Three Decades of Focused Consumer Defense: Since 1988 in West Virginia and 1991 in Kentucky, concentrating in Chapter 7, Chapter 13, and foreclosure defense, saving homes and families.
Chapter 7 Bankruptcy: The Fast, Permanent Debt Elimination
Chapter 7 eliminates most unsecured debt—credit cards, medical bills, and personal loans. It takes about 90 to 120 days and is the quickest and cheapest method to discharge your debt.
- Do You Qualify? We search for allowed expenses to help you pass and qualify for the Means Test. Because a Chapter 13 pays a much higher fee, some offices may not work to get you qualified for a Chapter 7.
- Protecting Your Assets: We maximize Kentucky Exemptions to help you keep your home and car.
- Non-Consumer Debt Advantage: The Means Test is waived if over half your debt is business-related or incurred during your military service. We review other tests, which may allow you to file as a 7.
Chapter 13 Bankruptcy: Saving Your Home, Car, and Stability
Chapter 13 is a structured 3-5-year repayment plan to catch up secured debts and manage priority debts.
- Stopping Foreclosure: We cure missed mortgage payments (arrearages) over the plan’s life so the default is cured at the end of the Chapter 13 plan.
- Reducing Car Loan Debt: We can often perform a **Cram Down** on older car loans to make them affordable in a Chapter 13.
- Stripping liens, second mortgages: If you have been sued, we can often strip judicial liens on your home in a 7 or 13. But in a 13, we can also often strip off a second mortgage that has no equity when the house is worth as much as the first mortgage, or less.
- Managing Non-Dischargeable Debts: We structure plans for recent taxes or student loan debts that can’t be discharged but can be managed or paid up to date over 5 years.
Your Simple and Easy Path to Financial Peace: The 3-Step Client Journey
Step 1: Gathering Documents; a Confidential Consultation & Financial Snapshot
Your Action: To file for bankruptcy, the court requires you to gather a simple list of documents. The Judge and Trustee require these documents to provide proof of your finances. (tax returns, prior six months of pay stubs, bank statements, car titles, deeds and mortgages, Social Security cards, and your driver’s license). Here is the list. The Judge and Trustee cannot do their jobs without this proof. The documents should be saved in order on a thumb drive in PDF format, but you may also upload them in the intake.
Step 2: Mandatory Counseling & Personalized Strategy Session to where we prepare your petition.
Your Action: To file a Chapter 7 or Chapter 13, you have to complete the mandatory pre-filing **Credit Counseling Course**. We like https://bkcert.com/. If you file without taking this course and getting the class certificate first, the case will be dismissed. There is a second class you must take after filing to get the discharge.
Step 3: To make your filing easier, fill out our intake form (its on the right hand side).
Your Action: To save time and trouble, fill out our contact form. We will send you a link to an intake to complete, which will arrive in your email. You can complete the intake at home 24 hours a day to list your income, expenses, assets, and debts.
You then make an appointment, and I personally prepare your petition with you. On filing, the **Automatic Stay** is activated. Collections and the stress stop.
You will have a 341 Meeting about 4 to 6 weeks later: Attend a brief 341 Meeting with Nick Thompson via Zoom from our office. The Trustee will conduct the hearing, but Nick will be right beside you. He has done these hearings for over 3 decades.
Critical Defenses We Use to Protect Louisville Families
Foreclosure and Home Protection Strategies
- Lien Stripping: Removing judicial liens, tax liens or a wholly unsecured second mortgage in Chapter 13.
- Recapturing Garnished Wages: We may be able to **recover funds** garnished in the 90 days before filing.
Ending Creditor Harassment and Seizures
- Protecting Co-Signers: We use the Co-Debtor Stay to protest Co-makers in Chapter 13 cases.
- Immediately Stops Repossessions: We file fast to get your car or bank garnishment funds back.
- Immediately stops Foreclosure sales. You must file your bankruptcy before the auction. If you file one minute after you lose the home. Don’t wait until the last minute when it takes hours or days to 1) gather the documents, 2) take the class, and 3) prepare the petition and file.
We are a Trusted Louisville Bankruptcy Attorney
Ready to Stop the Stress and Start Your New and Better Fresh Financial Chapter?
If you are facing foreclosure, seeing your paycheck garnished, or worrying about your car being repossessed… You have immediate, powerful legal rights.
Your Solution is the Automatic Stay of a bankruptcy. A court order by a Federal Judge to stop collections: Your Instant Peace of Mind.
Put my 35+ years of experience to work for you Call Nick C. Thompson, the Louisville Bankruptcy Attorney Today: (502) 625-0905
Nick Thompson
Bankruptcy & Foreclosure Attorney
800 Stone Creek Pkwy #6
Louisville, KY 40223
Our Services
Start Your Intake Form
To start your intake process, please provide your name, email address, and phone number. This will allow us to set up your intake, which you can complete at work, home, or while traveling.
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