This depends on the attorney’s experience and the case’s complexity. In an emergency, our office can file a case with no money down. However, instead of costing a client about $1,538 to file for a single person and the filing fee, the cost is paid over a year is about $2,000 dollars for a zero-down bankruptcy. Whether you are facing a bankruptcy or another important legal issue, you need high-quality, experienced, knowledgeable representation.

What Is A 341 Meeting Of Creditors?

There are also measures you can take before it comes to that Louisville Foreclosure Attorney point, like filing for bankruptcy. In most cases, an attorney will be a better option than a debt settlement company. They can help you with everything that a settlement company can, plus much more. Not only will they review your finances and find the best solution for you, but they will also negotiate with creditors on your behalf.

With years of experience in bankruptcy law, our firm understands the unique challenges faced by individuals and families in Louisville and surrounding areas. We pride ourselves on our compassionate approach and our ability to tailor solutions that meet your specific needs. If you’re in desperate need of debt relief, and are considering bankruptcy, you’ve come to the right place. At Hirsch Law, there’s no judgment — only compassion, respect, and understanding.

The last thing you want when you’re already struggling to make ends meet is to walk outside to notice your car gone. Next to having your home repossessed (or foreclosed, rather), the next worst thing would be the repossession of your car. However, don’t give up hope just yet – there are ways of getting a repossessed car back.

Mississippi born and raised, Attorney John Hughes is committed to excellence, and has been successfully representing our clients since 2002. Filers who’ve lived in Kentucky for at least two years can choose to use federal exemptions or state exemptions. However, you’ll need to examine both to see which provides the best protection for the assets you have. Even though you’re meeting with your trustee and not a judge, you must still arrive on time and dress appropriately. If you’re working with an attorney, they’ll complete the forms based on the information and documents that they collect from you. If you’re filing without an attorney, you’ll have to complete the official forms yourself.

Below, we briefly outline how these companies work, as well as what to look out for. When you hire Hughes Law Group, you’re getting more than professional representation. Whatever your legal needs or questions are, Hughes Law Group is here for you.

These negative items on your credit report can cause your score to drop significantly. Not only can a car repossession leave you without transportation, it can also negatively affect your credit. This derogatory item indicates to lenders that you may pose a credit risk, which is likely going to affect your potential to obtain new credit.

Creditors hire debt collection agencies or debt collectors to collect the money you owe them. There are many reasons why you may choose to file a Chapter 13 instead of a Chapter 7 bankruptcy. Attending the 341 meeting is mandatory for your bankruptcy case.

Many people find a renewed sense of financial security after filing bankruptcy, as they can finally shed their medical debts, credit card debts, and other unexpected expenses. Filing bankruptcy can feel overwhelming, especially when you have a stressful mortgage, car loan, or have medical debt piling up. Luckily, we have compiled a list of best practices (and worst practices) for your bankruptcy filing. The bankruptcy lawyers at O’Bryan Law Offices are here to help you get your financial affairs back on track. Many of the Chapter 7 cases we file are “no-asset” cases that expose the debtor to no risk of loss. The creditor sends a wage garnishment order to an employer once they receive a judgment.

Some examples of these fees include late fees and inspection fees. However, your lenders are also required to send you a breach letter, as well as inform you of how you can avoid foreclosure. Finding and retaining an attorney who meets your legal needs is an important decision.

Chapter 13 Bankruptcy Attorney And Filing Fees

Attorney Christopher Kurtz will consider your unique circumstances when devising solutions for your estate. We can prepare wills, trusts, other estate plan documents, and can help your family avoid expensive, time-consuming probate. Before you file for bankruptcy, be sure to talk to a Louisville bankruptcy attorney. At Farmer and Wright, PLLC, we will listen to you, review your finances, and help you understand your options. We can also help you understand alternatives to bankruptcy, such as debt consolidation.

Three other locations in Owensboro, Paducah, and Bowling Green act as divisional offices. To determine which district you will submit your bankruptcy filing in, contact an experienced attorney. 341 meetings differ slightly for Chapter 7 bankruptcy and Chapter 13 bankruptcy. A Chapter 7 trustee will sell any assets that you can’t safeguard with a bankruptcy exemption and then distribute the money to creditors.

If your separate incomes open the door for Chapter 7, it’s a good idea to wait until after the divorce finalization. Chapter 9 bankruptcy is the most rarely used chapter of bankruptcy because it’s reserved for municipalities. U.S. municipalities include cities, towns, counties, school districts, etc. So Chapter 9 isn’t an option for individuals, businesses, or corporations. Meanwhile, many people and businesses choose against Chapter 11 due to the number of legal fees and how long the process is.

When unsecured creditors receive notice of a bankruptcy discharge, they are to cease all collections activities on the discharged debt and write it off. Maybe you’re wondering, “How can I stop a wage garnishment immediately? ” Generally, filing bankruptcy will stop your wage garnishment.