Law Office of Allan E. Dunaway, PLC

March 2014 Archives

Unpaid debts can lead to wage garnishments

Kentucky residents may be interested in what can happen to them if they fail to pay their debts. While there are numerous actions a creditor can take to collect an unpaid debt, one of the most serious is wage garnishment. When a creditor has been unable to collect via traditional means, they can go to court and get an order for a wage garnishment, which allows the creditor to take a portion of an employee's paycheck until the debt has been paid. Federal consumer credit regulations limit the amount that can be taken in most instances. Employers are required to go along with any wage garnishment order. While consumer creditors are required to go to court to obtain a garnishment order, government obligations are not subject to prior court approval.

Provisions in credit card agreements limit card holder rights

Readers in Kentucky may be interested in a recent article that concerns credit card issuers and the agreements that card holders sign. The article asserts that there are a number of provisions in the contracts that may be surprising for the individuals who are signing them.

No exceptions to bankruptcy exemptions

When you file bankruptcy in Kentucky, you are entitled to certain exemptions in the bankruptcy code. These exemptions are designed to allow you to continue to live a somewhat normal life, albeit at a reduced level. There are federal and state exemptions, and you generally must pick one. Most states offer a homestead exemption, which protects equity in a home, and prevents a trustee from forcing a person to sell their home to pay their other debts.

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Get Sound Advice In A Free Consultation

For sound bankruptcy advice you can count on, from a skilled lawyer who truly cares about your future, contact the Louisville Law Office of Allan E. Dunaway, PLC. We have two convenient locations: Louisville, Kentucky, and Jeffersonville, Indiana. Our main office in Louisville is located off the beaten path so you won't have to deal with downtown traffic and can pull right up to our door and walk right in.

Call us at 502-785-1005, or send an email message. Our law firm welcomes the opportunity to serve you in any way we can.

If for some reason personal bankruptcy is not for you, if you do not qualify for the Chapter 7 approach via the "means test" and Chapter 13 reorganization is not the answer, Allan E. Dunaway works hard to inform you of other appropriate means of debt settlement that suits your unique needs.

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Kentucky Office

Indiana Office

714 Lyndon Lane
Suite 4
Louisville, KY 40222

Phone: 502-785-1005
Fax: 502-412-2258
Louisville Law Office Map

530 East Court Avenue
Jeffersonville, IN 47130

Phone: 502-785-1005
Fax: 502-412-2258
Jeffersonville Law Office Map