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The idea of bankruptcy can make some people apprehensive. While the bankruptcy process offers hope of eliminating debt through a discharge, it is also possible to lose assets if the bankruptcy calls for liquidation. This is why state law allows people to exempt some...
Chapter 7 bankruptcy allows you to discharge overwhelming debt, helping you reach financial freedom. Also referred to as liquidation bankruptcy, Chapter 7 erases your debt by writing off much of your medical expenses, credit card debt and other unsecured loans. As a...
For Kentucky residents and people across the United States, the ongoing health crisis has resulted in a litany of challenges. People have lost jobs or had their income reduced; they may be confronted with massive medical expenses; and many have relied on credit cards...
Once you start to lose control over your finances, it is often difficult to regain it. If your finances have spiraled out of control to the point where you are fielding constant calls from creditors or losing part of your paycheck to wage garnishment, you may be...
If you are drowning in a sea of medical bills, credit card balances or other debt, you are not alone. In fact, the average American has nearly $40,000 in outstanding debt, not including mortgages. Even though bankruptcy may offer the clearest path to financial...
Residents of Louisville who may be contemplating filing a bankruptcy petition often wonder whether they will be forced to give all of their assets, including their home, to their creditors. The comforting and often surprising answer is “Not always.” Kentucky statutes...
The automatic stay of proceeding in bankruptcy is a broad power that stops all forms of collection efforts. According to the Wallet Hub, this includes judgments against the individual, recording of leans, the attempt to execute on a property or repossess collateral,...
According to CNBC, 137 million Americans have medical debt that they cannot tackle. Medical debt is the leading cause of Americans who seek to cash in their retirement or 401(k). No one can prevent medical bills from occurring. Accidents happen, illnesses are not...
When companies in Kentucky and across the U.S. shut down operations, the effect on their employees can be catastrophic. Under certain circumstances, employees can lose their jobs, and some may never see their final paychecks. A company may assume that unemployment...
The U.S. Trustee Program (USTP), which administers bankruptcy cases, has announced the last month it "indefinitely suspended" its audit program for consumer bankruptcies. This has been done because of budgetary constraints. This is not surprising, as the USTP is part...
