612 South Main Street, Hopkinsville, Kentucky
Phone: 270-886-8272
Business Hours: Monday – Friday 8:00am – 5:00pm
(additional hours by appointment)
We accept Visa and MasterCard.

Bankruptcy

We Are Here to Help YOU

No one, whether you are an individual, the head of a family or a business owner, wants to face the prospect of filing for bankruptcy. The financial struggles leading you to your decision to seek legal advice about bankruptcy have been difficult. You need legal representation from a law firm that understands your unique situation and knows how to help you make a fresh start. If your personal, family or business debts have spiraled out of control, relief may be available through a consumer bankruptcy filing. Consumer bankruptcy includes protection under Chapter 7 and Chapter 13 cases. Our firm has the experience and knowledge this complex area of law requires. We can help you determine if bankruptcy is the right choice for you.

Debt Relief for YOU

What is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is a fresh start involving the elimination of all or a portion of your debt (including medical bills, credit card bills, unsecured loans, payday loans and more). Certain debts cannot be eliminated, such as child support, student loans and most taxes. Filing bankruptcy immediately stops all collection proceedings against you. Most individuals are concerned with keeping their home, vehicles and other personal property. Generally, as long as there is little equity and the loan payments are current, you will be allowed to do so. The cost associated with filing a Chapter 7 bankruptcy are court filing fees, credit counseling fees and attorney fees.

What is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is a consolidation or repayment plan for individuals with regular income. We help you establish a repayment plan for your creditors that lasts up to five years. A set payment is established and is paid to a Chapter 13 Trustee who distributes payments to your creditors. Chapter 13 helps individuals with regular income get back on track and keep their property. A Chapter 13 can be started for just the court filing fee and credit counseling fees. Attorney fees, which are set by the court, are paid through the repayment plan along with creditors.

What should I do now?

First, call us at 270-886-8272 to set up a FREE CONSULTATION. We will discuss your income, expenses and debts in order to determine whether you should file bankruptcy and, if so, which chapter you qualify for. We will also take into consideration any garnishments, lawsuits, foreclosures, tax liens or repossessions you may have. To prepare for your meeting with us, please bring with you a copy of your last paystub and all of your statements or bills (or a recent copy of your credit report). Once you make the decision to file, we will guide you through the entire process, from gathering more documents to explaining what to expect during your court hearing. We are not satisfied until your questions have been answered. We are here to help you.

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