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April 2018 Archives

What is "disposable income" in a Chapter 13?


Families in Kentucky who find themselves in financial trouble may elect to file a Chapter 13 bankruptcy, opting for a three-year to five-year repayment plan in lieu of turning over non-exempt property and dealing with their debts all at once. For those contemplating this type of bankruptcy, it may be helpful to have some understanding of "disposable income" and how it is figured. However, as with other legal concepts, detailed questions about one's disposable income are best raised with an experienced bankruptcy attorney.

It may get easier to discharge student loans in bankruptcy

While a Chapter 7 bankruptcy can, for the most part, wipe out debt effectively, student loans are a well-known exception to this rule. Most Louisville residents may not even think to ask their bankruptcy attorneys about their student loans, and, if they do, the standard advice may be that it is very hard to get student loans discharged. Instead, Kentucky residents may be able to use the bankruptcy process to clear away other debts in order to focus on re-paying the student loans in full.

The ways credit card companies target "Millennials"


The generation known as "Millennials" have been a hard market for credit card companies to crack. As opposed to older generations, those born between 1981 and 2000 are relatively reluctant to use credit cards, with half of them opting to carry only one credit card. Older generations, on the other hand, are more likely to carry several credit cards.

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