A Top Rated Louisville KY Foreclosure Lawyer
I'll Help You...
- Become Debt Free
- Clean Up Your Credit
- Increase your net worth
- Provide for family instead of Creditors
I'll Stop...
- Foreclosures
- Lawsuits, Judicial Liens
- Bank Garnishments
- Wage Garnishments
Stop Foreclosure, Garnishments. Get your life Back!
You don't need a lecture.
You need peace, financial freedom and a solution.
We are not just filing bankruptcy.
We provide defenses for homes, families, assets, and income.
A Simple 3-Step Client Filing Bankruptcy Process
Step 1
Gather the Documents Judges Trust but Verify
Your Action: To file for bankruptcy, the court requires you to gather a simple set of documents. The Judge and Trustee require these documents as proof of your finances. (tax returns, prior six months of pay stubs, bank statements, car titles, deeds and mortgages, Social Security cards, and your driver’s license).
Here is the checklist for Consumers. The Judge and Trustee cannot do their jobs without these documents to verify your petition. The documents should be saved in order on a thumb drive in PDF format, but you may also upload them to your MyChapter intake. We start cases by having you sign up for an intake that you complete at home. To sign up, complete the form at the bottom of this page.
Step 2
Mandatory Counseling & and your Initial Consultation.
Your Action: To file a Chapter 7 or Chapter 13, you have to complete the mandatory pre-filing “Credit Counseling Course”. We like https://bkcert.com/. If you file without first taking this course and getting the class certificate, the case will be dismissed. There is a second “Debtor education” class you must take after filing to get the discharge.
We sit down with most clients at the start to decide on a plan to achieve their goals. At a second meeting, I will meet with you in person, download your intake, and prepare your petition. You are never given over to a paralegal to prepare your petition. I go to court with you, and I am with you every step of the way.
Step 3
An easy, more accurate intake
Your Action: To save time & improve accuracy, fill out the form below. We will send you a link to complete MyChapter. You can complete the intake at home 24 hours a day, listing income, expenses, assets, and debts.
Then you can make an appointment, and I will personally prepare your petition with you. On filing, the “Automatic Stay” is activated, and collections stop.
You will have a 341 Meeting about 4 to 6 weeks after filing: Attend a brief 341 Meeting with Nick Thompson via Zoom from our office. The Trustee will conduct the hearing, but Nick will be right beside you. He has done these hearings for over 3 decades.
Three Federal Banking studies prove the rich use the bankruptcy code to increase their wealth.
"Individuals who file experience a sharp boost in their credit score after bankruptcy, whereas the recovery in credit score is much lower for individuals who do not file for bankruptcy."
Chapter 7 Bankruptcy: Fast, Permanent Debt Elimination
Chapter 7 eliminates most unsecured debt—credit cards, medical bills, and personal loans. It takes about 90 to 120 days and is the quickest and cheapest method to discharge your debt.
Do You Qualify? We search for allowed expenses to help you pass and qualify for the Means Test. Because a Chapter 13 pays a much higher fee, some offices may not work to get you qualified for a Chapter 7.
Protecting Your Assets: We maximize Kentucky Exemptions to help you keep your home and car. You choose whether to keep or surrender your car based on what you need.
Non-Consumer Debt Advantage: The Means Test is waived if over half your debt is business-related or incurred during your military service. We review other tests, which may allow you to file as a 7.
Chapter 13 Bankruptcy: Saving Your Home, Car, and Stability
Chapter 13 is a 3-5-year debt consolidation plan to catch up secured debts and manage priority debts.
Stopping Foreclosure: We cure mortgage defaults over the plan’s term, so any foreclosure or default is cured at the end of the Chapter 13 plan.
Reducing Car Loan Debt: We can often perform a **Cram Down** on older car loans over 910 days old to make them affordable in a Chapter 13.
Stripping liens, second mortgages: If you have been sued, we can often strip judicial liens on your home in a 7 or 13. But in a 13, we can also often strip off a second mortgage that has no equity when the house is worth as much as the first mortgage, or less.
Managing hard Debts: We bankrupt older income taxes. Student loans can be managed over 5 years.
Critical Defenses We Use to Protect Louisville Families
Foreclosure and Home Protection Strategies
Recapturing Garnished Wages: We may be able to **recover funds** garnished in the 90 days before filing.
Ending Creditor Harassment and Seizures
Protecting Co-Signers: We use the Co-Debtor Stay to protest Co-makers in Chapter 13 cases.
Immediately Stops Repossessions: We file quickly to get your car back or garnishment funds returned.
Immediately Stops Foreclosure sales: If you file one minute after the auction, you lose the home. Don’t wait until the last minute. It takes hours or days to 1) gather the documents, 2) take the class, and 3) prepare the petition and file.
We are a Trusted Louisville Bankruptcy Attorney
Why Choose Nick C. Thompson as your Louisville Bankruptcy Attorney: Proven Experience & Trustworthy Defense
My promise I take less than 20 cases a month to give you the attention it takes to get results. :
🔥 The Financial Edge: Former Tax Prosecutor: Nick knows how to bankrupt and navigate tax and other hard-to-manage debts, such as student loans and mortgage foreclosures.
⚖️ The Local Authority: Born in Louisville, KY, and a Former Bullitt County Assistant Attorney: With deep roots in both state and federal court in Bullitt, Jefferson County, and the surrounding Kentucky counties since 1991.
🕰️ 35+ years Over Three Decades of Focused Consumer Defense: Since 1988 in West Virginia and 1991 in Kentucky, concentrating in Chapter 7, Chapter 13, and foreclosure defense, saving homes and families.
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.
Nick Thompson Bankruptcy & Foreclosure Attorney
800 Stone Creek Pkwy #6,
Louisville, KY 40223
Office@Bankruptcy-Divorce.com
502-625-0905