The COVID-19 pandemic has brought on an unprecedented housing crisis. According to the Mortgage Bankers Association’s Research Institute for Housing America, more than six million households did not make their mortgage or rent payments for September 2020. These are staggering numbers. At the time of this posting, there is a current residential eviction moratorium that […]
Foreclosures & Evictions During COVID-19 Read More »
We’ve all made mistakes or done things we’ve later regretted. Sometimes those mistakes and regrets even result in criminal misdemeanor or felony convictions. Jail time isn’t the only punishment for being a convicted felon. Some other punishments include loss of gun rights, exclusion from government housing, and lack of job opportunities. Even though you’ve paid
HOW TO EXPUNGE CERTAIN MISDEMEANORS AND FELONIES IN KENTUCKY Read More »
When discussing the different options to deal with various debt and creditors with my clients, chapter 13 is a common topic. A chapter 13 bankruptcy, commonly called a reorganization, allows a person or married couple to propose a single payment that will cover most, if not all, debts owed to creditors over a period of
HOW TO DETERMINE YOUR CHAPTER 13 PAYMENT AMOUNT Read More »
An all-too-common situation we see our clients and potential clients struggling to keep up with a mortgage payment or car payment. Many times, an unexpected event has caused this issue, and, many more times, lenders are unwilling to offer any assistance. In some situations, foreclosure or repossession are only a short time away. One of
HOW TO STOP FORECLOSURE, REPOSSESSION WITH CHAPTER 13 Read More »
Possibly the most devastating collection action we frequently see in our office are clients and potential clients that have a wage garnishment active or getting ready to begin. Although exceptions and exemptions apply, most civil wage garnishments can take up to 25% of your paycheck, leaving most people already financially strapped in dire straits. Some
HOW TO STOP A WAGE GARNISHMENT Read More »
When you’ve been injured in a car wreck or in another manner, it’s important to know and protect your rights now and in the future. It is also important to seek and receive the compensation to cover lost or damaged property, medical bills, lost wages, and pain and suffering. So why hire an attorney to
BEEN INJURED? REASONS TO GET AN ATTORNEY Read More »
A matter I commonly discuss with my clients is why someone would want to file a chapter 13 versus a chapter 7 as payments to the court are required in a chapter 13. While there’s no clear cut answer as every situation is different, there are several characteristics of a chapter 13 that make it
POWERFUL EFFECTS OF A CHAPTER 13 Read More »
As a family law practitioner, it’s never easy to see someone contemplating dissolution (divorce). However, some couples mutually agree that the marriage has come to an end and want to take the steps necessary to end it amicably and efficiently. We call a divorce where the spouses have come to an agreement an “uncontested dissolution.“
THE UNCONTESTED DIVORCE PROCESS Read More »
When someone is being sued concerning debt or is facing a foreclosure or repossession, time can be of the essence. All too often, this firm sees hardworking people that are put in an impossible financial situation after experiencing a wage garnishment, a bank account levy, or a repossession. These collection actions—especially a wage garnishment—can make
THE AUTOMATIC STAY AND HOW IT CAN STOP CREDITORS IN THEIR TRACKS Read More »
One of the biggest questions I’m asked as a family law practitioner is what property is marital and how do Kentucky courts divide it? In Kentucky, all of the parties’ property is divided into either marital or separate property. Marital property is subject to division by the Court, while separate property is not subject to
MARITAL PROPERTY: WHAT IS IT AND HOW WILL THE COURT DIVIDE IT? Read More »