In that case, you may be able to use Upsolve’s filing tool to complete your forms. You’ll fill out an online questionnaire, and our software generates the forms based on the information you provide. If you go to the low-cost course providers, you may have to Louisville Bankruptcy Lawyer wait for the certificate. In this section, we stress what not to do during your bankruptcy case. Doing any of the below actions might get you in trouble with the bankruptcy courts. When you’re facing bankruptcy, a criminal charge, a divorce, or a child custody dispute, your attorney needs to do more than represent you.
Chapter 7 Means Test Kentucky
We know that financial devastation can happen to the best of people. You may have had medical bills, lost your job, gone through a divorce, or suffered some other personal issue which has had an adverse effect on your financial future. We can get you back on your feet, financially, helping you get that second chance you need. If you need a Louisville bankruptcy attorney, Louisville personal injury attorney, or Louisville disability attorney, contact Farmer and Wright, PLLC. We can help you overcome financial difficulties, get compensated after a serious injury, and be approved for Social Security disability. You need a skilled legal advisor to guide you through the process of applying for disability benefits.
You will have face-to-face meetings when necessary, and personalized, one-on-one customer service. When required, we offer weekend and evening meetings to work with your schedule. A Louisville bankruptcy attorney can also assist businesses, family farms, and other organizations that want debt relief. Bankruptcy can provide you a pathway to creating a stronger, financially secure business going forward.
When filing jointly, several states enable you to double your exemption amounts. If you possess a lot of property, filing a joint bankruptcy may be a preferable option if you can double your exemptions. For a variety of reasons, filing for bankruptcy during a divorce is typically not a good decision. This is due to the fact that your divorce and bankruptcy proceedings will have an influence on one another, leading to the cases being delayed.
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.
Get Assistance On Filing Chapter 7 And Chapter 13 Bankruptcy From O’bryan And O’bryan Law
If you file for Chapter 13 bankruptcy as a married couple, you both maintain responsibility for the three to five year repayment plan. If bankruptcy and divorce matters arise at similar times, you will likely have questions about obligations and what you can and cannot discharge in a bankruptcy. It is important to understand the differences between dischargeable and non-dischargeable debts or obligations.
The case will stay open after the confirmation hearing until the debtor has made all due payments to the Chapter 12 trustee. The court will issue the debtor a discharge once all due payments have been completed, and the matter will be closed. With limited circumstances, a discharge discharges a debtor’s duty for debts not covered by his or her Chapter 12 plan. Even under Chapter 12, however, some debts, including child support and alimony, are not dischargeable. The court appoints a trustee to negotiate with the applicant and their lenders, just as it does in other bankruptcy cases. A Chapter 12 trustee will convene a creditors’ meeting as soon as possible.
Before you can file bankruptcy you must meet receive credit counseling from an approved credit counseling agency. Fortunately, O’Bryan Law Offices offers approved Kentucky credit counseling. Filing a Chapter 7 or a Chapter 13 bankruptcy places an automatic stay on your creditors. The stay keeps the creditor harassment at bay and stops further collection attempts on most of your debt. However, creditors may petition the court to lift the stay and allow the resumption of collection activity.