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Individuals can face overwhelming debt for numerous reasons including divorce, job loss, medical emergencies or emergency home repairs. Faced with an uncertain financial future, many people will immediately explore their options to avoid peril. These options might...
A variety of factors cause individuals to file bankruptcy, and the majority of issues involved do not reflect abnormal circumstances. Income losses and unplanned expenses affect almost everyone to some degree. You may mistakenly assume that your situation represents a...
One of the main reasons Kentucky residents facing overwhelming debt are hesitant to file for Chapter 7 bankruptcy is because they are afraid they will not be able to rebuild their credit again. Often, it takes years of hard work and money management to build credit...
Many Americans are finding themselves in a financial predicament. Some have lost jobs or seen reduced hours, which can make it challenging to pay rent, utility, and grocery bills. Many of these individuals have also seen their health insurance affected. They might...
While you may avoid bankruptcy because of the stigma surrounding this term, misinformation drives bankruptcy's bad reputation. In fact, this tool allows consumers to get out of debt they cannot afford to repay. Learn more about filing for bankruptcy by exploring the...
Whether you file for Chapter 7 or Chapter 13 bankruptcy, you put yourself on the path to a clean credit slate in the future. However, some errors after you receive a discharge can result in additional debt or other financial issues. Plan for a successful future after...
While personal bankruptcy does bring with it a certain degree of protection, it is also accompanied by a great deal of uncertainty. That uncertainty can often lead to stress and fear (specifically over what personal assets one might lose during their bankruptcy...
Thinking of filing for personal bankruptcy? You are not alone. The United States saw 294,500 Chapter 13 bankruptcies in 2017 and 472,135 nonbusiness Chapter 7 bankruptcies during the same year, for a total of 767,721 nonbusiness bankruptcies nationwide. This...
When you file bankruptcy, you get certain exemptions under Kentucky bankruptcy law. Exemptions are allowances for assets that you may keep through the bankruptcy. You can take an exemption for your vehicle, your home and your personal belongings. The law does set a...
According to the National Bankruptcy Forum, Kentucky ranks eight in the nation for its bankruptcy rate, with 345 bankruptcy filings per 100,000 residents. Though there are several factors that contribute to this high rate of filings, experts suspect that low personal...
