Reclaim Your Life and Stop Foreclosures in Shepherdsville, KY.
Take control of your financial future today!
You don’t just need advice – you need financial freedom, lasting solutions, and the support to guide you every step of the way.
.Erase $25k, $50k, or even $100k in debt in just 8-10 hours,
boost your credit and enhance your financial standing. Reach out to Nick today!
Your Top-Rated Foreclosure Attorney in Shepherdsville, KY
I’ll Help You…
Break Free from Debt
Repair Your Credit
Grow Your Net Worth
Support Your Family, Not Creditors
I’ll Stop…
Foreclosures, phone calls
Lawsuits, Judicial Liens
Bank Garnishments
Wage Garnishments
We protect your home, assets, and income.
Boost your credit score, increase your net worth, and support your family.
Simply follow our easy 3-Step Filing Process.
Step 1
Gather Your Documents
While Trustees and Judges trust debtors, they must verify the petition using supporting documents that are required for bankruptcy filing.
Your Action: To file for bankruptcy, the court asks that you collect a basic set of documents. The Judge and Trustee will use these to confirm your financial standing. Required documents include tax returns, pay stubs from the last six months, bank statements, car titles, property deeds, mortgages, Social Security cards, and your driver’s license.
Here is the Checklist for Consumers. This is the checklist for a small business bankruptcy. The Judge and Trustee trust these documents to verify your petition and fulfill their responsibilities.
Please save these documents in the correct order on a thumb drive in PDF format.
We begin your case by having you sign up for an intake, which you can complete from the comfort of your home. To get started, simply fill out the form at the bottom of this page.
Step 2
For every Chapter 7 or 13 case, you must complete a 1-2 hour online Credit Counseling session before filing. After filing, a second Debtor Education course is required to receive your discharge.
Your Action: I like https://bkcert.com/, but prebk.com and other providers are cheaper. Our pre-bankruptcy attorney code is NT 0905. It is crucial that you use this exact code and complete the entire chat session to ensure the certificate is issued. If the course is not completed or the certificate is not obtained, the court may dismiss your case. You must also complete the second “Debtor Education” course to receive your discharge.
We start by sitting down with you to discuss and plan your goals. In a follow-up meeting, I’ll meet you in person to review your intake and personally prepare your petition. You will never be passed off to a paralegal for petition preparation. I will be with you every step of the way, including at the court hearing. I limit my caseload to fewer than 20 cases per month, ensuring that you receive the focused attention you deserve.
Step 3
A Simple and Accurate Intake Process
Your Action: To save time and ensure accuracy, complete the form below. We’ll then send you a link to finalize your MyChapter intake, which you can complete from home, 24/7, including details about your income, expenses, assets, and debts.
Once completed, schedule an appointment. I will personally prepare your petition. Once filed, the “Automatic Stay” will be activated, halting foreclosures, garnishments, repossessions, and collections.
341 Meeting: About 4 to 6 weeks after filing, you’ll attend a brief 341 Meeting via Zoom from our office. The Trustee will conduct the hearing, but I will be right there with you. With over 35 years of experience, I will guide you through the entire process.
Experience Matters
ABI statistics show 98%-100% of do-it-yourself Chapter 13 cases are dismissed.
Law firms nationwide complete or discharge only 40% of Chapter 13 plans.
Our KY Chapter 13 discharge or completion success ratio is over 60%.
Our success ratio for Chapter 7 discharge is over 99%.
Three studies by federal banking institutions show that the wealthy often utilize the bankruptcy code to build their wealth. The bankruptcy process is designed for consumers, not just businesses.
According to the Federal Reserve Bank of New York, “People who file for bankruptcy experience a significant boost in their credit score, while those who do not file see a much slower recovery.
Chapter 7 Bankruptcy: Quick and Lasting Debt Relief
Chapter 7 offers a way to eliminate most unsecured debts, such as credit cards, medical bills, and personal loans. This process typically takes 90 to 120 days, making it the fastest and most cost-effective method for discharging your debts.
Do You Qualify?
We help identify allowable expenses to help you pass the Means Test and qualify for Chapter 7. Since Chapter 13 involves significantly higher fees, some offices may focus on qualifying you for that option instead. However, over 90% of debtors qualify for Chapter 7, especially if you have a below-average income or little to no disposable income.
Protecting Your Assets
We make the most of exemptions to ensure you can keep your home and car. Whether you keep or surrender your car depends on your needs. Federal exemptions are generally more generous than state exemptions, allowing you to retain more property.
Non-Consumer Debt Advantage
If more than half of your debt is business-related or incurred during military service, the Means Test is waived, making you eligible for Chapter 7. Other criteria may also qualify you to file under Chapter 7.
Chapter 13 Bankruptcy: Protecting Home, Car, and Financial Security
Chapter 13 is a 3-5 year debt consolidation plan designed to help you catch up on overdue secured debts and manage other priority obligations.
Stopping Foreclosure:
We address mortgage defaults throughout the duration of the plan, ensuring that by the end of your Chapter 13, any foreclosure or default is resolved.
Reducing Car Loan Debt:
For car loans older than 910 days, we can often reduce the balance through a Cram Down, making the loan payments more manageable within a Chapter 13 plan.
Eliminating Liens and Second Mortgages:
If you’ve been sued, we can often eliminate judicial liens on your home in both Chapter 7 and Chapter 13. In Chapter 13, we can also remove a second mortgage if the home’s value is equal to or less than the balance of the first mortgage.
Managing Complex Debts:
I have extensive experience handling older income tax debts, and as a former tax prosecutor with an accounting background and a license before the US Tax Court, I’m well-equipped to assist. Additionally, under Chapter 13, student loan payments can be paused or restructured over a 5-year period.
Key Defenses We Use to Safeguard Shepherdsville Families
Halting Creditor Harassment and Asset Seizures
We act quickly to stop creditor harassment and prevent further seizures of your assets, providing you with immediate relief.
Recovering Garnished Funds and Attached Bank Accounts:
We may be able to recover funds garnished in the 90 days before filing, helping you regain money that was wrongfully taken.
Protecting Co-Signers:
Through the Co-Debtor Stay, we shield co-signers in Chapter 13 cases, ensuring that any secured debts are fully paid during the repayment plan.
Quickly Stopping Repossessions:
We file fast to help retrieve your car or return garnished funds. Waiting too long—especially after a foreclosure sale—could still allow us to recover your home.
Stopping Foreclosure Sales Instantly:
If you file even a minute after a foreclosure auction, you may lose your home. Don’t wait until the last second. It can take hours or days to gather the necessary documents, complete the required class, and prepare your petition. Use our simple intake process to quickly prepare from home.
Your Trusted Bankruptcy Attorney in Shepherdsville, KY
Why Choose Nick C. Thompson as Your Shepherdsville Bankruptcy Attorney: Proven Expertise & Reliable Defense
My Promise: I limit my caseload to fewer than 20 cases per month to ensure you receive the focused attention necessary to achieve the best results.
🔥 The Financial Advantage: As a former Tax Prosecutor, Nick has extensive experience in handling bankruptcy, tax issues, student loans, and difficult mortgage foreclosures.
⚖️ The Local Expert: Born in Louisville, KY, and a former Bullitt County Assistant Attorney, Nick has established strong connections with state and federal courts across Bullitt, Jefferson County, and surrounding Kentucky counties since 1991.
🕰️ 35+ Years of Dedicated Consumer Defense: With over three decades of experience, Nick has been serving clients in West Virginia since 1988 and in Kentucky since 1991, specializing in Chapter 7, Chapter 13, and foreclosure defense.
Start Your Free Consultation 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.
Start Your Intake or Contact Us
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.
Nick Thompson Bankruptcy & Foreclosure Attorney
800 Stone Creek Pkwy #6,
Louisville, KY 40223
Office@Bankruptcy-Divorce.com 502-625-0905
Kentucky Bar Association #83381 Verify Bar Membership