Bankruptcy (Chapter 13)

Louisville, Kentucky Chapter 13 Bankruptcy Attorney

Even with the recent changes in bankruptcy laws, liquidating or reorganizing your debts usually remains a viable and legal option. At the Davis Law Office in Louisville, Kentucky, we help our clients emerge out from under the weight of excessive, high-interest debt.

Chapter 13 bankruptcy is a reorganization of your debts for those with a regular and steady source of income. Many of our clients at the Davis Law Office choose Chapter 13 bankruptcy because they could not pass the means test for Chapter 7 bankruptcy. Clients who have excess equity in their house run the risk of losing it in a Chapter 7 and choose Chapter 13 bankruptcy to save their home.

The first step in filing a Chapter 13 bankruptcy is for you to sit down with attorney E. Brian Davis and assemble a detailed plan. We will review your income and reasonable expenses in establishing an agreeable payment plan for the bankruptcy court.

Please know that you are still responsible for your debts, but instead of making individual payments for credit cards and medical bills, you will have one payment made by a trustee determined by the amount of money you have left over every month. After making all your payments, any extra debt is discharged and high interest rates disappear.

If you are overwhelmed by your debts, you may have the opportunity for bankruptcy relief. For more information or to schedule an appointment regarding a Chapter 13 bankruptcy filing with an experienced lawyer, please contact us.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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