Covington, Kentucky Bankruptcy Lawyers
Ch. 13 Clients Pay No Pre-Filing Attorney Fees
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Salmon P. Chase College of Law, Northern Kentucky University
During law school, Danielle was a member of the Client Counseling Competition team with a successful finish in the regional competition in Michigan. She...
After Law School, Tom served as owner’s representative and in-house counsel for real estate developer Othello Partners, Inc. in Seattle, Washington. He served as lead in the construction of the 355 unit apartment building, The Station at Othello Park. Returning from Seattle, Tom worked as a solo-practitioner for five years prior to co-founding Rauf & Smith.
A 1999 graduate of Covington Latin...
Ft. Mitchell, KY 41017
New York Law School
Tonya handles all aspects of family law- divorce, dissolution, separation, custody and support.
She has extensive experience with each element from negotiations to litigation. Tonya has completed the training for and has been a guardian ad litem for Hamilton and Clermont Counties. She has over sixty hours of training in mediation services, with an emphasis on family/divorce law.
In addition to family law, Tonya provides estate planning services and represents individuals seeking Chapter 7 bankruptcy relief.
Tonya has been a member of the Kentucky National Guard since 2001. For the first seven years she worked as a military...
Bankruptcy Lawyers in Nearby Cities
Bankruptcy Lawyers in Nearby Counties
Covington Bankruptcy Legal Aid & Pro Bono Services
Northern Kentucky Volunteer Lawyers, Inc.
Bankruptcy law allows debtors, who are unable or partially unable to pay outstanding debts, to rid themselves of these debts and obtain a fresh start. Both federal and state laws can affect a debtor seeking to file for bankruptcy, and an attorney can help you understand how state and federal bankruptcy laws apply to you.
If you are struggling with high debt, receiving calls from creditors or collection agencies, or facing foreclosure, garnishment of wages, or repossession of property, filing for bankruptcy may provide you with solutions.
Bankruptcy lawyers offer legal advice and services during a financial crisis. In total, there are six different types of bankruptcy. For persons seeking debt relief, one option is Chapter 7 bankruptcy, which provides for liquidation of the debtor's non-exempt assets. Another popular option for individuals is Chapter 13, which allows for management and reduction of debt through payment plans. Corporations and partnerships filing for bankruptcy often choose to file under Chapter 11, which provides for supervised reorganization of the business.
Experienced bankruptcy counsel can help you evaluate whether you should pursue a bankruptcy as well as the Chapter under which to file. Bankruptcy lawyers can also help end harassing phone calls from debt collectors and evaluate available legal options when facing a home foreclosure.
Automatic stay: An injunction that automatically stops lawsuits, foreclosures, garnishments, and most collection activity against the debtor the moment a bankruptcy petition is filed.
Unsecured claim: A debt for which credit was extended based solely upon the creditor's assessment of the debtor's future ability to pay, rather than on a special assurance of payment.
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