Louisville Bankruptcy Attorney

A Consumer Louisville Bankruptcy Attorney 

At other law firms, you may be promised a fantasy of unreasonable results, like a free house. You pay your bankruptcy lawyer, and then you are handed off to a secretary, paralegal, or younger attorney. A bankruptcy will discharge income taxes over three years old, or strip a second mortgage, or judicial lien that lacks equity in the home, but you have to live by bankruptcy court rules. 

I personally prepare your consumer bankruptcy, foreclosure defense, or small business bankruptcy case. We typically have two consultations: a complimentary 2-hour consultation and a 2-3 hour consultation with you to prepare and ensure your petition is perfect. Otherwise you get average results. Bankruptcy attorneys should never pass clients off to a paralegal or an inexperienced junior lawyer after the law firm collects. But at many firms, that is their bankruptcy filing process. 

Clients require attention from an experienced lawyer whose sole practice area is defending foreclosures and handling Chapter 7 or Chapter 13 cases. Over 99% of our Chapter 7 clients complete their Chapter 7 cases and discharge unsecured debts.  They keep cars or homes unless they wish to surrender them. The average law firm will have 30 to 40 percent of its Chapter 13 cases become dismissed or converted. 

Kentucky Chapter 7 & Chapter 13 

Many people have to refile their Chapter 13 case, convert to a Chapter 7, or lose property because an attorney didn’t take the time to plan the case. Plan payments can start small and increase later.  There are various tools available for different purposes, designed to provide a future with finances free from debt and stress. We stop foreclosure and collection lawsuits. Chapter 13 is perfect for saving a home, defending a private student loan lawsuit, and managing tax debts. Chapter 7 is typically best suited for debtors with limited equity in their homes and assets, and below-average incomes.  But the means test will allow some above average incomes to file as a 7 if there is no substantial disposable income.  Some firms funnel you into a 13 just to make a higher fee. 

When you call our law firm, you will speak with me or my assistant, who will schedule a consultation to design a solution tailored to meet your goals. We spend time with you to ensure you achieve your needs, get a fresh start, and overcome debt. I handle fewer than 20 cases per month to ensure each client receives the necessary attention, debt relief, and a better future.