Filing for a Chapter 13 Bankruptcy in Kentucky
Are you facing a tough spot financially? Are you earning a consistent wage but having trouble keeping up with the bills? Are you worried about losing your house to foreclosure or having a car repossessed? Our Louisville Chapter 13 bankruptcy lawyer can provide sound advice and counsel about whether this option might provide you with a genuine chance to regain control over your financial life and keep the things that are most important to you.
Bankruptcy is not something to be afraid of or ashamed about. US bankruptcy laws were specifically designed to help normal people to work through challenging times, solve difficult financial problems and get back on their feet. This is about protecting what you’ve worked so hard to build. Bankruptcy is a fresh start toward a new and better financial future.
Chapter 13 Bankruptcy in the Louisville Area
My name is John Schmidt, and after more than 25 years as a Louisville Chapter 13 bankruptcy lawyer serving the people of Louisville, Shepherdsville, Mount Washington, Shelbyville, Taylorsville, Radcliff, Elizabethtown, and Jeffersontown Kentucky I can tell you two things:
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- You would be very surprised if you knew how many people in your circle of family, friends and co-workers had filed for bankruptcy protections in their lifetime, and
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- This is a private, personal decision about what is best for you, your spouse and your family. No one needs to know, not even your employer.
Are you considering or wanting to learn more about filing for bankruptcy? Are you facing garnishment, foreclosure, the repossession of your car or just sick and tired of the harassment of collections? You can put an immediate stop to all of that noise and get the time and space you need to solve your financial problems. I invite you to contact the Law Offices of John Schmidt & Associates, PLLC or call us at (502) 509-1490 for a free consultation. You can even book an appointment with me to discuss your unique situation and what I can do to help out.
What is Chapter 13 Bankruptcy Like?
What it is like to file a Chapter 13 bankruptcy in Jefferson, Bullitt, Hardin, Spencer, Shelby and Oldham counties in Kentucky? Like any other important decision in your life, bankruptcy has it’s pros and cons. I can help to answer your questions and gain a complete understanding of the process of filing for bankruptcy. What options do you have? What is best for your unique circumstances? My law office works with you to put an immediate stop to all collection efforts.
Full stop. No more calls, emails, texts, letters or threats.
We help you to organize required information, analyze available US and Kentucky exemptions, prepare all necessary paperwork and guide you through the process step by step.
Chapter 13 is one of the most common forms of bankruptcy filed here in Kentucky and across the US. Chapter 13 bankruptcy is often referred to as a “wage-earners” bankruptcy. It allows you to reorganize your financial situation, prioritize important debts and the specific assets and personal property you wish to keep and develop a 3 to 5 year plan to get you through these challenges and completely back on your feet financially.
Some debts can be resolved for a fraction of what is owed. Many debts can be discharged altogether. We work with you and the Court to develop the right plan based upon your unique circumstances and the things that are important to you. You get to keep the things you want to keep and make payments you can absolutely afford to finish the plan. Once the plan is complete remaining debts are discharged per the terms of the plan as well as federal and Kentucky law. Any creditor who is repaid in full or in part under your repayment plan must forever stop collection and cannot pursue you for discharged debts.
Are you Ready for a Fresh Start? You need an experienced, compassionate Louisville Chapter 13 Bankruptcy lawyer who can answer your questions, provide sound advice and guidance and help you to move forward with your financial life.
We invite you to contact us via e-mail, schedule an appointment or call us today at (502) 509-1490 to get the answers you need and relief from financial challenges and creditors.
