Florence Kentucky Bankruptcy Attorneys

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Bankruptcy is a federal court process designed to help consumers and/or businesses eliminate their debts or repay them under the protection of the Bankruptcy court. Bankruptcies can generally be described as “liquidations” or “reorganizations.” Chapter 7 Bankruptcy is the liquidation variety – property can be liquidated to pay off as much of your debts as possible, while leaving you with enough property to make a fresh start. Chapter 13 is a “reorganization” Bankruptcy for consumers – you repay all or parts of your debts over three to five years. We encourage you to contact our Florence, KY bankruptcy lawyers, and see what our past bankruptcy clients are saying about us.

A Chapter 7 Bankruptcy is also known as a "straight,” "liquidation" or "traditional" Bankruptcy. Most of your unsecured debts may be erased. You get to keep any property that is classified as exempt under the state laws available in your state. The court appoints an individual known as a Trustee to oversee your Bankruptcy. The Trustee usually is a local attorney. The Trustee in Chapter 7 Bankruptcy must ensure that all applicable laws are being followed and represents the creditors' interests in the Bankruptcy proceding.

A Chapter 13 Bankruptcy is also known as a “Wage-Earners Plan or Repayment Plan”. As its name implies, it provides a way to repay all or at least some of the money you owe to your creditors from the income or wages you earn. Some think of it as a debt consolidation. In a Chapter 13 you develop a repayment plan with the help of your attorney. Your plan lets you pay back some or all of the money you owe, and usually takes three to five years to complete. Chapter 13 Bankruptcies are commonly used to stop foreclosures and set up a payment plan for the debtor to catch up mortgage payments and cars loans and also Chapter 13 plan allows for current cars payment. Feel free to contact our Kentucky bankruptcy law firm to determine your specific chapter 13 plan.

Automatic Stay

The moment a Bankruptcy petition is filed an automatic stay is issued by the court to all of creditors which is an injunction that automatically stops, immediately, all lawsuits, foreclosures, repossessions, wage garnishments, and collection activity against you.

You can begin your fresh start and relieve the heavy weight of debt by seeking the advice of an attorney who is familiar with both Chapter 7 and Chapter 13 Bankruptcies. We have been handling Bankruptcy cases for over twenty five years and have thousands of satisfied clients. To set up a private consultation to review your situation we encourage you to contact our Florence, Kentucky Bankruptcy lawyers.

For more information, please review our Bankruptcy F.A.Q. section, our directions to Bankruptcy Court Hearings, our directions to Credit Counseling Class, and our Chapter 13 payment addresses.

The Florence, Kentucky bankruptcy attorney group at Kathleen Mezher & Associates, LLC represent clients in the Northern Kentucky including Covington, Burlington, Newport, Alexandria, Fort Thomas, Fort Mitchell, Fort Wright, Highland Heights, Erlanger, Villa Hills, Crestview Hills, Bellevue, Cold Spring, Dayton, Ludlow, Latonia, Edgewood, Walton, Union, Southgate, and Wilder. We serve clients in Boone, Kenton, Campbell, Gallatin, Grant, Pendleton, Bracken, Robertson, and Mason counties.

 
Anderson Office
(Main Office)

8075 Beechmont Avenue
Cincinnati, Ohio 45255
(513) 474-3700
Fax: (513) 388-4652
E-mail: info@mezherlaw.com
Directions
Norwood Office
4631 Montgomery Road
Cincinnati, Ohio 45212
(513) 351-7000
Directions
Mason & West Chester
Office

8581 Mason Montgomery Rd
Suite 3
Mason, Ohio 45040
(513) 474-3700
Directions
Florence Office
6900 Houston Road
Suite 12
Florence, KY 41042
(859) 283-2444
Directions
Northgate Office
9600 Colerain Ave
Suite 407

Cincinnati, Ohio 45251
(513) 474-3700
Directions
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Our law firms serve clients in Ohio & Northern Kentucky Counties such as, Hamilton, Clermont, Butler, Warren, Highland, Clinton, Montgomery, Brown, Boone, Kenton & Campbell counties
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