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Consumer Bankruptcy
Richmond, Kentucky, Consumer Bankruptcy Lawyer

Consumer bankruptcy is a major decision, and it is not always the right solution if you are experiencing debt issues.  If you have reached the point where you are considering bankruptcy, there is a good chance it can provide the debt relief and asset protection needed and our attorney in Richmond, KY can help.
Our bankruptcy laws are in place to enable people to gain a fresh start or form an actionable plan that will return your financial stability.  Please contact us for a free consultation in situations such as:

  • You are facing foreclosure on your home, or believe foreclosure is likely because you cannot make full monthly payments.
  • You are in danger of losing other critical assets.
  • You are considering withdrawing money from your 401(k) or other retirement plan to save your house or pay bills.
  • You need a plan to pay your missed mortgage payments.
  • You have received a letter from an attorney representing a creditor.
  • Your bank account or wages have been garnished, or a judgment against you for unpaid credit card debt, child support or another obligation could result in      garnishment.
  • Relentless collection calls are affecting your job and home life.
  • You have a prior bankruptcy and you are unsure about handling your currentfinancial struggles.

Contact Us to Discuss Your Legal Concerns
We Help People Make Informed Decisions About Bankruptcy

Our initial consultation with our lawyer in Richmond, KY for people seriously considering bankruptcy typically takes one hour.  You will meet directly with Kentucky Bankruptcy attorney Susan B. Martin.  Our goals in this meeting include:

  • Having a calm, focused discussion about your pressures and what you hope to achieve by filing consumer bankruptcy.
  • Arriving at a clear, complete picture of your financial situation, including what you own, everything you currently owe, and any pending lawsuits or liens.
  • Determining your eligibility for Chapter 7 (liquidation) bankruptcy, which can provide forgiveness of all unsecured debts, or Chapter 13 bankruptcy, which can allow you to enter a plan for repaying some debts over time.
  • Thoroughly covering the steps, processes and consequences associated with filing bankruptcy.
  • Answering your bankruptcy questions clearly and honestly, and openly discussing alternatives to bankruptcy.
Once you retain our law office, we will immediately begin dealing with creditors and collectors for you.  This relief is critical for many people, providing the ability to function and focus on work and other obligations.    

If you decide bankruptcy is the best option for you, we will do our best to make it affordable and manageable.  We offer flexible payment plans designed to accommodate your unique circumstances.  Contact us and we will work with you to find a solution.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.  

Chapter 7 Bankruptcy
Eastern Kentucky Chapter 7 Bankruptcy Lawyer
All across Kentucky, individuals and families are facing the threat or fast-approaching reality of home mortgage foreclosure.  An overall economic slowdown is hitting as well, overtime pay is being lost, expected wage increases are stalled and jobs are being eliminated.

The office of Susan B. Martin, Attorney at Law, is a full-service legal resource for people facing serious financial difficulties in the Richmond, Kentucky, area.  One of the actions you may be considering is obtaining discharge or "forgiveness" of your debts by filing Chapter 7 bankruptcy.  Please contact us to talk through whether consumer bankruptcy is right for you.

Debt Relief - Preventing Garnishments - Stopping Creditor Harassment

Chapter 7 bankruptcy, sometimes called "liquidation bankruptcy", is the preferred option for many people because, if you qualify, you can receive full discharge (or forgiveness) of all your unsecured debts.  You may be able to protect certain critical assets, such as equity in your home, qualified retirement accounts and a basic automobile, while:

  • Eliminating the burden of overwhelming credit card debt.
  • Ending harassment by creditors and collectors.
  • Stopping or preventing garnishment of your bank account or wages.

In a free initial consultation, Attorney Susan Martin can determine if you qualify for Chapter 7 bankruptcy.  If your income is above a certain level, or you have property you wish to protect that does not fall within guidelines for allowed exemptions, you may need to consider Chapter 13 bankruptcy or other legal options.

We Inform Our Clients and Provide Experienced Counsel

Our law office is not a bankruptcy "mill" or "factory".  We are committed to helping you find the best path out of your current situation and into a more manageable position to move forward.  Sometimes the best solution involves our other services, such as:

  • Resourceful, aggressive foreclosure defense.
  • Non-bankruptcy work-outs and negotiated forbearance agreements with creditors.
  • Credit card litigation.
  • Tax debt negotiations with the IRS or Kentucky Department of Revenue.

Call 859-623-3050 for a Free Informative Bankruptcy Evaluation.
Lawyer Susan B. Martin provides personal, attentive service.  All inquires are strictly confidential.  No one in our office will judge you, nor will we try to intimidate you into making decisions before you are ready.  We want you to be fully informed and as comfortable as possible with the action you ultimately take.  If you are considering Chapter 7 bankruptcy, please contact us today for a free case evaluation.
We are a debt relief agency.  We help people file for bankruptcy relief under the Bankruptcy Code.

Chapter 13 Bankruptcy
Chapter 13 Bankruptcy Lawyer in Richmond, Kentucky

For some people we work with, bankruptcy is a valid opinion but Chapter 7 "liquidation" is not possible.  There are a variety of reasons why you might need to file Chapter 13 bankruptcy, which is sometimes called wage-earner bankruptcy.  Please contact us to arrange a meeting with Susan B. Martin, Attorney at Law, and discuss your specific financial situation.

It is not uncommon for people with relatively high incomes or substantial assets to run into major financial difficulties.  Causes can range from medical emergencies and divorce to failed investments and credit card debt.  Often, people attempting to prevent foreclosure on their homes find themselves juggling other bills and falling too far behind to catch up.

What Is Chapter 13 Bankruptcy?

Unlike Chapter 7, a Chapter 13 bankruptcy continues under Court supervision for up to 60 months.  A Chapter 13 bankruptcy provides a mechanism, called a Chapter 13 plan, for orderly payment of your debts during the plan period.  Your Chapter 13 plan is administered and all funds are distributed through the Office of the Chapter 13 Trustee.  Your Chapter 13 plan establishes a payment plan based upon your financial circumstances.  The Plan is proposed and submitted by you.  It must be approved by the United States Bankruptcy Court.  Each plan is unique, based upon your personal financial situation.  We are experienced in preparing Chapter 13 plans.  We will work with you to submit the best plan for you.

A Legal Way To Deal With Tax Debt, Back Child Support and Some Mortgage Problems
Although it comes with important obligations, Chapter 13 bankruptcy can provide some debt relief, freedom from creditor harassment, a means of protecting certain assets and a manageable way to regain financial stability.  Some of the situations we can address through Chapter 13 are:

  • Debt relief for people whose incomes or assets exceed the limitations set for filing Chapter 7.
  • Debt relief for people who have had a prior Chapter 7 bankruptcy.
  • Preventing wage garnishment or other adverse outcomes for people who owe significant amounts of priority debt - such as federal or state taxes, child support or spousal maintenance in arrears.
  • A plan for catching up on missed mortgage payments.
  • A plan for paying for your vehicles.
  • A way to reform a mortgage or some other credit agreement that has acknowledged flaws.

If Chapter 13 bankruptcy can help you, we will explain the steps and processes completely, in terms you can understand.  We have extensive experience structuring plans that work, allowing people to gain some relief and handle obligations in an orderly way, over time.  Please do not continue worrying and waiting for problems to get worse.  For a free consultation and case evaluation, call 859-623-3050 or send us an e-mail today.  
We are a debt relief agency.  We help people file for bankruptcy relief under the Bankruptcy Code.

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We are a debt relief agency. We help people file for bankruptcy under the bankruptcy code. This is an advertisement.