Richmond, Kentucky, Consumer Bankruptcy Lawyer
Consumer bankruptcy is a major step, and it is not the right solution for everyone with debt problems. However, if you have reached the point where you are considering bankruptcy, there is a good chance it can provide the relief and protection you need.
Our bankruptcy laws are in place to enable people to gain a fresh start or form a workable plan to return to financial stability. Please contact us for a free consultation in situations such as:
- You are facing foreclosure on your home, or believe foreclosure is likely because you cannot make full monthly payments.
- You are in danger of losing other critical assets.
- You are considering withdrawing money from your 401(K) or other retirement plan to save your house or pay bills.
- You need a plan to pay your missed mortgage payments.
- You have received a letter from an attorney representing a creditor.
- Your bank account or wages have been garnished, or a judgment against you for unpaid credit card debt, child support or another obligation could result in garnishment.
- Relentless collection calls are affecting your job and home life.
- You have a prior bankruptcy and you are unsure about handling your current financial struggles.
We Help People Make Informed Decisions About Bankruptcy
Our initial consultation for people seriously considering bankruptcy typically takes one hour. You will meet directly with attorney Susan B. Martin. Our goals in this meeting include:
- Having a calm, focused discussion about your pressures and what you hope to achieve by filing consumer bankruptcy
- Arriving at a clear, complete picture of your financial situation, including what you own, everything you currently owe, and any pending lawsuits or liens
- Determining your eligibility for Chapter 7 (liquidation) bankruptcy, which can provide forgiveness of all unsecured debts, or Chapter 13 bankruptcy, which can allow you to enter a plan for repaying some debts over time
- Thoroughly covering the steps, processes and consequences associated with filing bankruptcy
- Answering your bankruptcy questions clearly and honestly, and openly discussing alternatives to bankruptcy
Once you retain our law office, we will immediately begin dealing with creditors and collectors for you. This relief is critical for many people, providing the ability to function and focus on work and other obligations.
If you decide bankruptcy is the best option for you, we will do our best to make it affordable and manageable. We offer flexible payment plans designed to accommodate your unique circumstances. Contact us and we will work with you to find a solution.
We are a Debt Relief Agency. We help people file for bankruptcy under the Bankruptcy Code.
