Bankruptcy Law Firm in Louisville, Kentucky

Most people call a bankruptcy law firm after a bad week. A garnishment hit the paycheck. A sale date showed up in the mail. A collector called the office.

This page is about the firm itself. Who you will talk to, what the first meeting looks like, and what happens after you hire us.

Nick Thompson has practiced law in Kentucky since 1991 and in West Virginia since 1988. That is more than 35 years of debt work in this state. The firm is small on purpose. You work with the attorney handling your case, not a rotating group of staff. Read Nick Thompson’s background for the full history.

Call 502-625-0905 for a free consultation.

Who You Work With

Two people handle almost everything.

Small firm, direct access. That is the whole model.

The First Call and the Free Consultation

The first consultation is free. There is no charge to find out where you stand.

You can meet at the office or handle it by phone. Bring or gather what you have:

• Recent pay stubs, or a rough monthly income figure.
• Any court papers, garnishment notices, or foreclosure filings.
• Tax notices from the IRS or the Kentucky Department of Revenue.
• A list of debts, even a rough one.

Missing paperwork does not stop the meeting. We can pull credit reports and tax transcripts later. Come in with what you have.

The goal of the first meeting is a straight answer. Sometimes that answer is that you do not need to file anything at all.

What Happens After You Hire the Firm

The process follows the same order in most cases.

1. 1We gather documents. Pay stubs, tax returns, deeds, car titles, and loan statements.
2. 2You take a credit counseling course. It is required before filing and takes about an hour online.
3. 3We prepare the petition and review every page with you before it is signed.
4. 4The case is filed. The automatic stay starts the same day, and collection has to stop.
5. 5You attend the meeting of creditors. In the Western District of Kentucky this is held by Zoom, so most clients attend from home.
6. 6The case moves to discharge in a Chapter 7, or to a payment plan in a Chapter 13.

We tell you what each step costs in time before it starts. Nobody likes surprises in the middle of a case.

What the Firm Handles

Four areas cover almost all of our work.

Why People Wait Too Long to Call

Most clients say the same thing at the first meeting. They wish they had called sooner.

The reasons for waiting are understandable. People hope a raise will fix it. They try a debt settlement company first. They believe filing means losing the house or the car. They feel embarrassed.

Waiting costs options. A garnishment that has already started is money gone. A foreclosure sale that has already happened is much harder to undo than one still three weeks out. Tax deadlines pass without notice.

Calling early does not commit you to filing anything. It gives you a clear picture while you still have room to act. Reach the office of Nick Thompson Bankruptcy and Foreclosure Attorney at 502-625-0905.

What We Need From You

The firm does the legal work. Three things are still on you.

That is the whole list. We handle the rest.

How We Work With Clients

Three things shape how the firm runs.

You get real answers about risk. If a filing will not solve your problem, we say so at the first meeting.

You get told what to expect. Court dates, trustee requests, and document deadlines come with advance notice.

You get one point of contact. Questions go to Nick or Toni. Your file does not get passed around.

If someone signed a loan with you as a comaker, we explain what your filing does and does not do for them. Family gets caught in these cases more often than people expect.

How Fees Work

Fees are discussed at the free consultation, before you commit to anything. You will know the number in writing.

Two things shape the figure. The chapter you file under, and how complicated the case is. A straightforward Chapter 7 is priced differently from a Chapter 13 with a mortgage arrearage and a contested claim.

Court filing fees are set by the court and are separate from attorney fees. In a Chapter 13 case, most attorney fees are paid through the plan rather than up front. That is often the difference between filing now and waiting.

We do not quote a fee before we understand the case. Any firm that gives you a number over the phone without seeing your paperwork is guessing.

Staying in Touch During Your Case

Cases run for months, and in Chapter 13, for years. Communication matters more than most people expect.

Call the office at 502-625-0905 during business hours. Toni handles scheduling and document questions and can usually resolve them the same day. Legal questions go to Nick.

Tell us right away if any of these happen:

• You change jobs or your income drops.
• You get sued, or a garnishment starts.
• You receive anything from the trustee.
• You want to sell, buy, or refinance property.
• Your address or phone number changes.

Most problems in a case are fixable when we hear about them early.

Frequently Asked Questions