With years of experience in Louisville Bankruptcy Attorney 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.

Best Bankruptcy Lawyers In Louisville, Ky

For this, the Department of Education can garnish up to 15% of your disposable income. The federal government has placed limits on amounts for garnishments. Weekly garnishments may not exceed the lesser of the following limits.

It is also a discriminatory practice that preys on minority clients. If you’re facing overwhelming debt, injury, or other legal problems, you need expert legal help on your side. Whether you need a Louisville bankruptcy attorney, personal injury attorney, or disability attorney, our experienced Louisville attorneys can help. If you are facing foreclosure we can help you stop the sale of your home. Regain control of your financial future and keep your family in your home. Our bankruptcy attorneys are dedicated to providing you top-notch legal advice no matter your circumstances.

This means that the attorney charges a set amount for handling the entire bankruptcy case, regardless of the amount of time or effort required. Flat fees for bankruptcy cases in Louisville typically range between $690 – $1200, depending on the case’s complexity. In 2020, the average Chapter 7 consumer attorney fee in Kentucky was $1,400 dollars for a single person and $1,600 for a couple. Staff salaries, rent, insurance, software, etc. are costs that reduce what he makes per case to about $600 if he works a full day on each case.

Chapter 7 Bankruptcy In Louisville Kentucky

The Filing fee for Chapter 13 is slightly less than the Chapter 7 filing fee. But there are mailing costs to serving the plan in Chapter 13, increasing filing costs to about the same as the filing fee for Chapter 7 ($338 in 2021). We bill clients the same filing fee for a seven and a 13 to cover the costs of mailing the Chapter 13 plan, which is not required in Chapter 7. Federal court cases are harder to file than cases in state court and require more work and higher standards in the work that is done.

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. Michelle has lived in Louisville her whole life and has practiced at the same location for 26 years. Michelle has a daughter in college and enjoys tennis, squash, and pickleball in her free time.

Chris began his practice of law in 1995 when he joined the law firm of his father, Dennis Kurtz. The father and son legal team ultimately grew their bankruptcy practice into one of the largest volume filers of bankruptcy cases. Other times, a person may feel he or she doesn’t have sufficient assets to think about an estate plan.

Be sure to check before you go to make sure in-person are currently available. Chapter 7 bankruptcy may not be a topic you ever thought you’d want to learn more about. But remember, bankruptcy relief is available to everyone who needs a fresh start, without judgment of how they got there. The fact that you’re looking at your options should make you feel better already.

However, this is simply an average and does not reflect any type of law. If you plan on financing a car, you’ll first need to sign a loan contract. This contract will define what the lender considers to be a loan default, whether it be one missed payment or multiple. This contract also essentially establishes the car as collateral, should your payments become delinquent. It is what gives the lender permission to repossess the vehicle, if need be. Located in Louisville, Kentucky, the Fauver Law Office has been serving Kentucky and Southern Indiana residents for over 20 years.

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.

Be sure to choose your attorney wisely and not just based on their cost. Kentucky bankruptcy laws are designed to help you while treating everyone — creditors included — fairly. You can’t use bankruptcy to get out of child support obligations or certain government fines or fees.

Filers must fill out and submit all the necessary forms in a timely manner in order to receive their bankruptcy discharge. We recommend working with a local bankruptcy lawyer, as they will already know what documents you’ll need at the federal and local levels. Everyone goes through hard times and some of life’s events can really set you back. Losing a job, an unexpected injury, or divorce can often lead to financial ruin. If you are faced with overwhelming debt, our bankruptcy attorneys can help you get the relief you are seeking.

However, it’s also important to note that poverty levels have actually fallen in Kentucky in recent years. While it may not be a radical change, it is still a noticeable level of improvement. Below, we list other notable indicators of Kentucky debt for consumers. With more than 600,000 people living within city limits, it’s no wonder that many of our cases come from families and individuals who live or work in the city of Louisville.