Are you thinking about getting started with your bankruptcy? Then, you are in the right place. Nick has been doing bankruptcy and foreclosure cases since 1988. Using that experience, he offers a simple system and 4-step process (from the home page) to get your bankruptcy filed quickly. Interestingly, most cases are solved by filing a simple Chapter 7 or Chapter 13 bankruptcy and each of these is a specific tool for a specific type of problem.
Getting Started with Your Bankruptcy in Louisville, Kentucky
However, Nick can also design a long-term budget for you. It is a budget that allows you to eliminate the debt that is unnecessary. It also allows you to live with money left over for retirement and other necessary long-term expenses such as college. We are happy to meet with you in a free initial consultation and planning session to determine the best course of action for your individual needs.
When you retain our law firm, the collection calls stop immediately. That’s because it is illegal for collectors to continue to call you after you hire an attorney to represent you. FDCPA only covers the 3rd party collectors but the collectors can stop calling you and start calling us. We expect you to complete your bankruptcy filing within 60-days which gives you time to collect enough money to pay the attorney fees.
⎆ The steps to get started.
All you need to do is simply gather your documents, input your information, take your class, and come back into our office and file. When you file, you will have a simple short 5-minute hearing within 4-6 weeks after your case files as Chapter 7. After you file, there is also a requirement for you to take debtor education in order to get the discharge order that permanently protects you.
If you file Chapter 13, the hearing is also within 4-6 weeks but the case requires payments over 3-5 years. So, Chapter 13 is often used for debts that can’t be caught up within 3-4 months.
For Chapter 13, there is also a requirement for you to complete a debtor education course. Of course, over the next 3-5 years, you must make the Chapter 13 payments to catch up on a mortgage or manage an income tax or student loan debt. In the case of high-earning individuals, they may be forced to repay some parts in the Chapter 13 plan.
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Getting Your Fresh Start Through Bankruptcy
Nick Thompson • Kentucky Foreclosure & Bankruptcy
Your Fresh Start on a New Budget with Bankruptcy
Bankruptcy in Louisville Kentucky
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If you are thinking about filing bankruptcy, don’t delay because timing is crucial. I am here to help you. So, contact my office right away to start the conversation. Nick C. Thompson, Bankruptcy Lawyer: 502-625-0905.
