Chapter 7 and 13 Consumer Bankruptcy

Louisville KY Chapter 7 and 13 Consumer Bankruptcy Attorney
Chapter 7 and 13 Bankruptcy Attorney – Kentucky and Southern Indiana

Daniels Associates LLP provides consumers in Louisville and the surrounding area with counsel and assistance regarding consumer bankruptcy.  Whether you qualify for liquidation or reorganization, our firm is here to help you.

Contact us today to schedule your free initial consultation.  Ask about the relief you need now.

Why You Should Not Choose Debt Consolidation

Debt consolidation may sound like an attractive alternative to bankruptcy, but in reality, debt consolidation plans do little more than deepen a person’s level of debt.  While these companies may talk about pulling your debt together and organizing it into one easy payment, what they do not tell you is that you keep earning interest and late fees on your debt, plus they may charge additional fees for their services.

Chapter 7 or Chapter 13?

Since the 2005 amendments to the bankruptcy law, it has become more difficult to file for Chapter 7 (straight bankruptcy).  Chapter 7 is a liquidation of unsecured debt. In order to qualify, there is now a financial hurdle to overcome: You must live within a certain income bracket. Our firm can help you determine if you qualify for Chapter 7 bankruptcy and help you file for relief.

Chapter 13 is a reorganization of debt.  Depending on your household income, debt is paid off over a three- to five-year period.  We examine your assets and debt and help you develop a reorganization plan that is affordable and prevents foreclosure or repossession.

Putting an End to Harassing Behaviors

One of the most frustrating aspects of getting behind in your bills and falling into significant debt is the continuing harassment from creditors. Filing for bankruptcy not only helps eliminate debt, but also puts an immediate end to those harassing phone calls and letters.

Get the help you need to recover from your difficult financial position through bankruptcy.  Daniels Associates LLP is pleased to help you make critical decisions you need to make about your financial future.  Contact us today.  We offer free initial consultations and are available for evening and weekend appointments.  We offer language services in Spanish, German, Italian and Mandarin Chinese.

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