Bankruptcy Attorney for Fern Creek and Okolona

When debt weighs on your family in south Louisville, there is a clear way out. Nick Thompson helps people in Fern Creek and Okolona file for bankruptcy, stop collectors, and rebuild. The first consultation is free, and Nick will tell you honestly whether bankruptcy is your best option. You have more options than you may realize.

Chapter 7 and Chapter 13

Almost every personal case is a Chapter 7 or a Chapter 13. Chapter 7 erases most credit card debt, medical bills, and old loans in about 4 to 6 months. A means test confirms your income is below the Kentucky median. Chapter 13 sets up a 3 to 5 year plan and can save a home from foreclosure while you catch up. We check your income and your goals and guide you to the right choice.

Filing stops collection fast

Once you file, the automatic stay starts the same day. It stops wage garnishment, collection calls and letters, repossession, and foreclosure sales. Most lawsuits stop as well. Creditors cannot restart until the court allows it. A pending utility shutoff can be paused too. The pressure lifts while your case moves ahead.

Debts we clear most often

Bankruptcy is built for everyday debt. We help clients erase credit cards, medical bills, personal loans, payday loans, and the balance left after a repossession. Older income tax debt can qualify too, when it meets the timing rules. A few debts stay, like child support, most student loans, and recent taxes. If a creditor is garnishing your paycheck now, filing can stop it fast. We go through your full list at the first meeting.

Will you lose your home

Usually not. Kentucky filers can use the federal exemption list, which protects home equity, a vehicle, household goods, and retirement accounts for most families. In a Chapter 13, the plan can stop a foreclosure and let you repay the missed amount over time. We review your property and apply the exemptions that protect the most. Retirement savings are generally protected in full.

How the process works

Filing is simpler than most people expect. It starts with a free consultation about your debts, income, and goals. We gather your documents next, such as pay stubs, tax returns, and titles. Nick prepares and files your petition, and the automatic stay begins that day. You attend one hearing, the 341 meeting of creditors, held by Zoom in this district. You join from home, with no trip downtown. A Chapter 7 discharge usually comes a few months after that meeting. We prepare you for the 341 meeting ahead of time, so the questions are no surprise.

Serving south and southeast Louisville

Fern Creek runs along Bardstown Road near the Gene Snyder Freeway, close to Fern Creek High School and the park. Okolona sits west along Preston Highway near GE Appliance Park. We help clients across both areas, plus nearby Buechel and Jeffersontown.

More than 35 years of practice

Nick has helped Louisville families since 1991 and prepares each petition himself. The attorney who reviews your case is the one who files it. Your first consultation is free.

Call 502-625-0905 for a free consultation. We serve all of Jefferson County plus Oldham, Bullitt, Spencer, Nelson, and Meade.

Frequently Asked Questions