Bankruptcy

Bankruptcy Law Attorneys in Louisville, Kentucky

If you are experiencing financial difficulties due to the loss of employment, cut back in hours worked, unexpected medical expenses or divorce, contact Denise Brown’s Legal Direction for a free consultation on to address these matters. While there are many reasons why you may have fallen behind in your financial obligations, feeling like you may never catch up, is stressful situation that must be resolved immediately. Based on your personal circumstances, filing for debt relief under the bankruptcy code can provide you with the necessary debt relief and a fresh start. Bankruptcy can provide you with a clean slate to build a strong financial future. We help you understand the serious long-term consequences of filing bankruptcy and whether this option is right for you and your family. It is not a decision to be taken lightly. Call us today for a free consultation.

Bankruptcy lawyers at Denise Brown's Legal Direction, in Louisville, Kentucky, have been providing skilled representation for clients throughout southern Indiana and Kentucky for more than 20 years. Our attorneys provide advice for people who are considering bankruptcy, facing mortgage foreclosure or struggling with other financial matters. We also serve creditors seeking to protect their interests.

For a personal financial assessment of whether bankruptcy is right for you, please call 502-587-0331 to speak with Denise Brown and her team .

Do You Need a Bankruptcy Law Attorney?

There is a common misconception that filing bankruptcy has become nearly impossible since bankruptcy laws changed in 2005. Although there are now more steps in the process, bankruptcy is still available for those who need it.

• Chapter 7 bankruptcy

  Chapter 7 bankruptcy, also known as traditional bankruptcy or debt liquidation, provides debt relief for individuals and businesses. Under Chapter 7 bankruptcy, a debtor liquidates assets to satisfy debts; most debts that cannot be satisfied through liquidation are eliminated.

• Chapter 11 Bankruptcy

  Chapter 11 bankruptcy allows businesses to reorganize their finances while operating under the protection of the bankruptcy court. This type of bankruptcy often allows struggling businesses to restructure existing business arrangements and develop a stronger financial future

• Chapter 13 Bankruptcy

  Also known as debt reorganization or debt restructuring, Chapter 13 bankruptcy provides an opportunity for debtors to create a manageable plan to eliminate their debts. Chapter 13 bankruptcy is only available to individual debtors, not businesses.

In addition to representing debtors, we provide creditor representation in bankruptcy proceedings. If you are owed money by a debtor who is filing bankruptcy and you hope to recover any of the debt owed, you must file a proof of claim. Contact our Louisville bankruptcy law office today to discuss your representation.

Alternatives to Bankruptcy

Although bankruptcy may seem like your only option, avoiding bankruptcy is often a better choice. Bankruptcy is not a magical tool that will simply eliminate all your financial troubles — filing bankruptcy will hurt your credit rating, and it will be reflected on your credit report for years to come. We will make sure you have considered all alternatives to bankruptcy before you file and help you with alternatives to bankruptcy such as credit counseling or other services.

Rebuilding Credit after Filing Bankruptcy

At Denise Brown's Legal Direction, we provide guidance and advice for people who want to rebuild their credit after filing bankruptcy. Rebuilding credit takes time. It will not be easy. We counsel bankruptcy clients through this process, providing them with tips and help to maintain and even improve their credit scores. We also provide debt relief services, and help people file for bankruptcy relief under the Bankruptcy Code.

Don't be embarrassed to call Denise Brown's Legal Direction if you are faced with no other choice but bankruptcy. Once you have made the decision, leave it in the hands of attorneys who understand bankruptcy loopholes, and the concerns debtors face. We will stand by your side.

Call us today at 502-587-0331, or send us your inquiry via our quick contact web form.