If you cannot produce copies of canceled checks or receipts for payments, the home will simply go back into foreclosure. We understand how scary and frustrating it can be to face aggressive or persistent debt collectors on your own. Luckily, our attorneys are here to help protect consumers in Kentucky and Indiana from deceptive practices from their creditors. We will also outline and explain your options for dealing with debt collectors and getting your finances back on track. Debt consolidations involve rolling multiple types of debt, such as credit card debt, into one monthly payment.

What Will My Chapter 7 Discharge Order Look Like?

Many states forbid lawyers to say they “specialize” in a specific practice, but for bankruptcy law you wouldn’t want it any other way. As we stated previously, filing bankruptcy on credit cards is a very real option. When you file for bankruptcy, you essentially get a second chance with your debts. However, it’s important to understand that not everyone qualifies to file Chapter 7 bankruptcy or Chapter 13 bankruptcy.

Chapter 7 Means Test Kentucky

As soon as you officially file for bankruptcy, you receive the protection of the automatic stay. This stay immediately goes into effect when your bankruptcy case begins. Many people view the automatic stay as a sort of “pause” that will give them more time to explore their options.

When you come to my office, I talk with you personally and spend 2-6 hours preparing your case. I am able to do this because my office doesn’t advertise to get thousands of cases and then hand you over to a paralegal while we’re on vacation. Instead, I make it a point to personally appear at your hearing rather than send a junior attorney.

How Does Your Credit Score Affect You?

Therefore, not only will we inform you of your rights, but we will also help you defend them. Most importantly, a foreclosure attorney represents you in court, ensuring that you follow all the procedures and processes. They also help you fill out paperwork, meet important deadlines, and even achieve a loan modification if necessary. We explore all possible options on your behalf, helping you decide which course of action is best for you. If you’re facing foreclosure and you want to defend against it, working with a foreclosure attorney is your best bet. Defending against a bank, a mortgage company, or another lender can often be a confusing process.

Even though the dip in their credit score hurts at first, the effects won’t last forever. Even if you’re not sure that bankruptcy’s right for you, try to keep these ideas in mind as you deal with your debt problems. Following these do’s and don’ts will protect your future ability to take full advantage of your rights under bankruptcy law. If no creditor objects to the repayment plan, the confirmation hearing proceeds, and the plan is confirmed within 30 days of the first 341 meeting. If a creditor does object to the plan, this makes the case much more complicated. Speak with your attorney if one of your creditors objects to the proposed repayment plan.

If someone has debts that are older than the statute of limitations, these are called time-barred debts. Debt collectors can no longer attempt to collect on these debts, nor can they file a lawsuit for them. Michelle O’Bryan’s legal career has been to serve those in the community who are undergoing difficult financial circumstances, thus helping them to get a fresh start. Michelle began practicing law in 1993, focusing on bankruptcy and individual’s rights under current law. Before you send us any information, know that contacting us does not create an attorney-client relationship.

Do you have enough leftover income to work on paying down your debt after you deduct essential expenses? If you do have enough, you will be dismissed from Chapter 7 by the bankruptcy court. Then, you will file Chapter 13 bankruptcy.However, in Chapter 13, your unsecured debts cannot exceed $419,275, and your secured debts cannot exceed $1.257 million. If you are unsure of what to do next with your bankruptcy case, we recommend speaking with our professional bankruptcy lawyers. Many people consider filing bankruptcy for credit card debt, medical debt, default mortgage payments, or other financial reasons.

This means that you can call or text her directly with any questions that you may have. Her down-to-earth approach means that you won’t constantly get routed to an impersonal answering service — you’ll reach her directly instead. This website is using a security service to protect itself from online attacks. There are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data.