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Northern Kentucky Bankruptcy Lawyers Are Your Friends In Need

By Shawna Trujillo

If you feel suicidal when the bills start rolling in every month, then it is time to get help. Putting a bet on the Kentucky Derby will not help. However if you live in the Bluegrass State the best thing to do is to a find a firm of experienced Northern Kentucky bankruptcy lawyers. There is no shame attached to declaring yourself bankrupt in today’s world but you need good advice to come up smiling again.

There are different kinds of debt and different kinds of bankruptcy. The judicial system aims to be fair to both sides by setting the bankrupt party reasonable targets and getting creditors some relief. There are two paths and your chosen attorney will tell you which one is the right one for you.

To qualify for Chapter 7 there is a means test. If your income is considered to be below that of similar families in the state then you may qualify. Normally all unsecured debt will be wiped out if the court decides that you are eligible for the protection of Chapter 7. This does not however include taxes, alimony or student loans which never go away. A court appointed trustee will sell off whatever assets you have that are not exempt. If you are way behind on your mortgage or car repayments you can lose both although you must stress the importance of keeping them to your attorney from the start and it may be that a Chapter 13 petition will be the better option..

With Chapter 13 bankruptcies, the debts are, generally speaking, re-scheduled often at a more favorable rate of interest. Creditors do want to get something back and are normally willing to go along. The court will decide what you can afford to pay and when.

Now it is time to take a serious look at your lifestyle. You simply cannot afford ever to get into debt again. Your creditors are legally debarred from harassing you. What you are left with is yours and you must build on it. Part of the process in Kentucky makes it mandatory for all those filing for bankruptcy to attend a credit counseling class before and after you file. And they make you pay for it. However this is a good investment and maybe you can ask for more advice.

Whether you choose your lawyer online or by personal recommendation is up to you as long as they specialize in this line of work. They will help you to garner all the information and documentation required. They will be beside you throughout the process.

You are normally entitled to a free preliminary consultation. This allows you to explain your case, briefly, and learn what is involved if you decide to file for bankruptcy. Also you will be told how much it will cost you which you need to know.

Once you have placed yourself in the hands of a firm of Northern Kentucky bankruptcy lawyers you are on the right road. It may be rough but you will win through. Getting a fresh start, legally, to look after your family is all that matters.

You can visit the website for more helpful information about Finding Northern Kentucky Bankruptcy Lawyers

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Article Citation
MLA Style Citation:
Trujillo, Shawna "Northern Kentucky Bankruptcy Lawyers Are Your Friends In Need." Northern Kentucky Bankruptcy Lawyers Are Your Friends In Need. 16 Oct. 2012. 4 Aug 2014 <>.

APA Style Citation:
Trujillo, S (2012, October 16). Northern Kentucky Bankruptcy Lawyers Are Your Friends In Need. Retrieved August 4, 2014, from

Chicago Style Citation:
Trujillo, Shawna "Northern Kentucky Bankruptcy Lawyers Are Your Friends In Need"

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