Providing Relief Through Bankruptcy to Clients in Louisville, Kentucky, and Southern Indiana
Living with the constant worry of unmanageable debt can have a severely negative impact on your life. It can affect your relationship with your spouse or significant other and children. Work performance can suffer. Even with none of those impacts, the stress of a heavy debt burden makes most people miserable. You don't have to live like that. Take your debt seriously. Take proactive steps to help yourself.
Richard A. Schwartz, Bankruptcy Attorney, can help you file bankruptcy to save your house. We have over 25 years experience helping individuals and families get out from under debt and start rebuilding their credit.
Services We Provide and Helpful Information
- Chapter 7 bankruptcy — A Chapter 7 bankruptcy can discharge your unsecured debts and immediately stop creditor harassment.
- Chapter 13 bankruptcy — A Chapter 13 bankruptcy can help your reorganize your debts into an affordable repayment plan that you will pay off in three or five years.
- Chapter 11 bankruptcy — A Chapter 11 bankruptcy can help a business or individual deal with overwhelming debt and regain control of a financial situation.
- Fighting foreclosures — The automatic stay of personal bankruptcy puts an immediate halt to foreclosure activities. A Chapter 13 bankruptcy can help you catch up on your arrearages.
- Short sales — Selling a home that is underwater in value is one way to avoid foreclosure.
- Stop wage garnishment — Is a wage garnishment hurting your ability to keep your head above water? Bankruptcy is the only effective tool to fight garnishments.
- Discharging tax — Certain tax burdens are dischargeable under the bankruptcy code. We will advise you about that aspect of bankruptcy.
- Divorce and bankruptcy — It may be best to talk with a lawyer before you go forward with a divorce, if you are facing the potential for filing bankruptcy.
- Nontraditional households and bankruptcy — It is possible for nontraditional households (including same-sex couples and unmarried heterosexual couples) to file for bankruptcy once the terms of the household have been established.
- Property of the bankruptcy estate and exemptions — It is essential that you get a detailed analysis of what happens with your property when you file for bankruptcy, an assessment of what your estate consisted of at the time of filing, and learn about any exemptions.
- Myths/misconceptions about bankruptcy — Many common ideas about bankruptcy are simply wrong. Don't make these mistakes.
- Moving forward/life after bankruptcy — What will your recovery from debt look like after bankruptcy?
- Alternatives to bankruptcy — The pros and cons of the various ways people deal with their debt apart from bankruptcy.
- Bankruptcy info and tips — Answers to common questions about bankruptcy.
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Seven mistakes to avoid — Make the most of your escape from debt by not making these mistakes.
- Initial documents needed — What you will need to start your bankruptcy.
Contact a Southern Indiana Bankruptcy Attorney Today
For help getting out from under debt, in Kentucky call 502-638-2441, in Indiana call 812-399-0959, and toll free in either at 866-270-4495 or simply contact us online to set up your free initial consultation with one of our New Albany or Louisville bankruptcy lawyers, debt relief attorneys or Kentucky foreclosure attorneys. Evening, weekend and in-home appointments are available for your convenience.
