Getting Started – Bankruptcy in Kentucky
Nick as been doing bankruptcy and foreclosure cases since 1988. He has designed a simple system and 4 step process (from the home page) to get your bankruptcy filed quickly if that is what you need. Most cases are solved by filing a simple Chapter 7 or Chapter 13 bankruptcy and each of these is a specific tool for a specific type of problem. But he can also design with you a long term budget that where the bankruptcy will allow you to eliminate debt which is unnecessary and allow you to live with money left over for retirement and other necessary long term expenses which may include college. We are happy to meet with you in a free initial consultation and planning session to determine the best course of action for your individual needs.
If you retain our law firm the collection calls stop immediately. It is illegal for collectors to continue to call you after you are represented by an attorney. FDCPA only covers the 3rd party collectors but the collectors can stop calling you and start calling us. We expect you to complete your bankruptcy filing within 60 days giving you time to collect enough money to pay the attorney fees.
All you need to do is simply gather your Documents, input your information, take your class and come back in and file. When you file you will have a simple short 5 minute hearing within 4-6 weeks after your case is filed in a Chapter 7. You are required to take debtor education after you file in order to get the permanent discharge order which permanently protects you. If you file a Chapter 13 the hearing will also be within 4-6 weeks but the case will require payments over 3-5 years and a Chapter 13 is often used for debts which cant be caught up within 3-4 months. You will also take the Debtor Education course but over the 3-5 years you will need to make the Chapter 13 payments to catch up a mortgage or manage an income tax or student loan debt. In the case of high earning individuals they may be forced to repay some part in a Chapter 13 plan.