Kentucky Bankruptcy Attorney

Cinncinnati Bankruptcy Lawyer

Financial stress has become more prevalent in our society and the current economic trends suggest that these conditions are not likely to change any time soon. Financial problems are a major source of stress and anxiety. To make matters worse, Congress changed the bankruptcy code in 2005 in an effort to make filing bankruptcy more difficult.

Our staff has filed hundreds of bankruptcy cases and has more than a decade of experience in the bankruptcy courts. Our experienced personnel are well versed in all facets of the bankruptcy code and can review your case to show you all of the options that you have. The initial consultation will be free and you will have our experienced, knowledgeable evaluation of your case.

Major reasons for filing bankruptcy:

• Job loss;
• Illness;
• Divorce;
• Increased expenses (gasoline, health insurance, etc.);
• Economic slow down (reduction in income, inability to refinance, etc.).

Our services include:

Chapter 7 Bankruptcy - The goal of a chapter 7 bankruptcy case is to allow for a fresh start by discharging most debt burdens. Certain debts may be reaffirmed during a chapter 7 case (e.g., home mortgage or vehicle payments).

Chapter 13 Bankruptcy - A chapter 13 bankruptcy case is a reorganization of debt by an individual or married couple. Since the laws were changed in 2005, chapter 13 cases have become more attractive to many people due to the ability to resolve otherwise difficult financial situations. In chapter 13 cases we have been able to successfully resolve mortgage arrearage / foreclosure, vehicle repossession, past due child support, unpaid taxes and other threatening debt collection attacks. Chapter 13 is an extremely effective and powerful tool that can be used to provide significant relief from financial strain.

Chapter 11 Bankruptcy - In today's economy we have seen a growing number of profitable businesses with cash flow problems. A chapter 11 bankruptcy can assist in turning assets into money with the goal of paying or restructuring debts in a more manageable way. Typically a chapter 11 case is reserved for business entities but this resource can be effective for some individuals as well.

Financial Workout Arrangements - Our first goal when meeting with a client who is enduring financial strain is to determine what measures can be taken to resolve the situation. Many times we are able to find solutions that do not include a bankruptcy filing. Our experience allows for us to have a network of professionals who may be able to assist in varying ways. The approach to a financial workout varies tremendously from case to case but it can be an effective way to handle these difficult situations.

Bankruptcy Adversarial Actions - Our firm has been engaged to represent numerous parties in adversary actions filed in bankruptcy court. These actions are typically based upon the challenge of a bankruptcy discharge. If an action such as these is initiated then we recommend that you have skilled and experienced counsel to provide representation for you. Our firm has represented numerous creditors, individuals and corporations in bankruptcy adversarial actions.

Pursuant to 11 U.S.C. 528, we are required to state that we are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.