END THE HARASSING CALLS & WAGE GARNISHMENTS
Louisville Bankruptcy Attorney
Attorney John Spalding has helped countless Louisville families regain control of their finances. If you’re behind on your credit card, car loan, medical bills, or other payments and are ready to stop the harassing phone calls and/or wage garnishments, it may be time to consider filing bankruptcy.
If you’re feeling overwhelmed, it’s important to have an experienced attorney to help work on your behalf and protect your assets. We evaluate each case on an individual basis to create a detailed strategy that will work best for your situation.
Not sure if bankruptcy is right for you? Schedule a free consultation and we’ll provide you with all of the details you need to make an informed decision.
What is the difference between Chapter 7 and Chapter 13 Bankruptcy?
Chapter 7 bankruptcy allows for your debts to be completely discharged. Not everyone is eligible for a Chapter 7 bankruptcy. You must qualify under the “means test”, meaning you have no disposable income to repay your debts with. We can determine your eligibility after you complete our assessment.
In a Chapter 13 bankruptcy, you will repay your debt over a 3-5 year period. Once you have completed your payment plan, your remaining eligible debts will be discharged.
Will I lose my car or home if I file bankruptcy?
Filing for bankruptcy doesn’t always mean you lose possession of your home, car, or other assets. There are many exemptions that can protect these assets and we will review them with you to determine which exemptions you are qualified for.