Filing Bankruptcy in Louisville

John H. Ruby & Associates helps clients who face heavy debt review their finances and when appropriate, file bankruptcy in Louisville.  Financial distress is common today, and many people struggle with credit card interest, mortgage payments, and loan default.  Sometimes bankruptcy is the answer that provides a fresh start.

Freedom from creditor harassment is a great relief to many people.  When filing bankruptcy, an automatic stay goes into effect, which prevents creditors from furthering their efforts or harassing you.  The stay allows you and your attorney time to address your debt without the duress of creditor phone calls and collection letters.

We help clients file for the following types of bankruptcy:

• Chapter 7
• Chapter 11
• Chapter 13

Your bankruptcy attorney can explain the steps involved in filing bankruptcy in Louisville and what to expect.  For the most part, the bankruptcy process is an administrative procedure, and you are usually not involved with going to court except for a bankruptcy hearing and Creditor’s Meeting.

Bankruptcy laws have changed under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), making the procedure more complicated and limiting those who are eligible to file Chapter 7 bankruptcies.  Stiffer restrictions and more extensive paperwork are a few common barriers frequently encountered.  A skilled bankruptcy lawyer at John H. Ruby & Associates can explain the process, reduce your stress, and help ensure your Louisville bankruptcy meets all bankruptcy code requirements.

Avoid bankruptcy litigation in Louisville

Bankruptcy litigation in Louisville may involve creditors contesting debt dischargeability, obtaining adversary proceedings to determine validity or priority of liens, or subordinating a claim.  Because lawsuits are costly, avoiding bankruptcy litigation is highly preferable—actually both for creditors and debtors.  Involving a skilled bankruptcy attorney from the outset to help you gather necessary documentation, file, and handle communications with creditors often helps parties to arrive at acceptable solutions that avoid this type of litigation.

At John H. Ruby & Associates, our lawyers take the time to understand your financial situation, and help you handle debt.  Our job is to choose the type of bankruptcy that suits your needs, simplify the bankruptcy process as much as possible, and help you resolve your financial situation as quickly as possible.

Contact John H. Ruby & Associates

If you need assistance with filing bankruptcy in Louisville, do not hesitate to contact John H. Ruby & Associates.  Call 888-314-8437 or email us for assistance.