Chapter 7 and Chapter 13 Bankruptcy in Kentucky
Bankruptcy Attorney Serving Paducah, Murray and Western Kentucky and the Jackson Purchase Area
Vidmer Law Office provides strong, experienced representation to clients who are facing hard times. In today's troubled economy, countless people find themselves unable to get out of debt. Many people struggle to make ends meet, even while dealing with harassing phone calls and letters from creditors. If you are considering bankruptcy, or would like to know about your options in obtaining debt relief, please contact our offices today.
Should I File for Bankruptcy?
That is the first question an experienced bankruptcy lawyer can help you answer. After your free initial consultation, we will be able to advise you about qualifying for bankruptcy protection. We can also help you understand how bankruptcy can and cannot improve your situation. We will give you our honest assessment of whether bankruptcy is right for you.
Chapter 7 Bankruptcy
Filing for any type of bankruptcy will stop creditor harassment. During a bankruptcy proceeding, there is an Automatic Stay that prevents creditors from attempting to collect a debt from you. The primary benefit of Chapter 7 bankruptcy is the discharge of unsecured debt. If you qualify for Chapter 7 protection and a significant portion of the debt you owe is unsecured, filing for this form of bankruptcy can greatly ease your burden. Chapter 7 bankruptcy is a powerful tool to help people with credit card debt, medical bills, pay day loans and cash advances, older tax debt, and other forms of unsecured debt.
Chapter 13 Bankruptcy
Even if you do not qualify for Chapter 7 bankruptcy, relief may still be available under Chapter 13 Bankruptcy. This form of bankruptcy can help if you want to make up arrearages on your home and stop a foreclosure, or if you have priority debts like IRS tax debt, child support, etc. that cannot be eliminated under Chapter 7 bankruptcy.
Contact Us Today
If you have questions about the bankruptcy process, contact us to schedule your free initial consultation. You can meet with us in our Paducah office, or in our Murray location. Call us or contact us by e-mail today.