March 2010 Archives

After Filing Bankruptcy: What Happens Next?

If you're thinking about filing bankruptcy, you're probably wondering how it can affect credit.It's true that bankruptcy stays on a credit report for up to 10 years (may be less depending on which type of bankruptcy is filed), but once the slate is essentially "wiped clean" after a successful bankruptcy filing, people can instantly start rebuilding their credit.In fact, many people even gain stronger credit scores after filing bankruptcy because their old debt is gone and they can start fresh.If you are considering Bankruptcy and need straight and honest answers to your questions, call my Northern Kentucky Bankruptcy offices at  859-824-3361.

Can I file against payday loans and cash checking companies

Absolutely.  These predatory lenders are usually slow deaths for folks who get involved with them.  These debts are completely dischargeable and there Is no risk of criminal prosecution or jail like these lenders would suggest.If you have questions about significant debts or Bankruptcy, and reside in Northern Kentucky, please call my office at 859-824-3361 for a free consultation.

Can I File On Medical Bills

The rising cost of healthcare and the increase in employers not offering health insurance due to increased premiums have led to an explosion in medical bill related bankruptcies.All medical bills including those in collections and court, can be discharged in a bankruptcy.If you live in Northern Kentucky and need help with large medical bills, please give my office a call at 859-824-3361 for a free consultation.

Can I File On Medical Bills

The rising cost of healthcare and the increase in employers not offering health insurance due to increased premiums have led to an explosion in medical bill related bankruptcies.

Can I Save My House From Foreclosure?

Yes, you can avoid foreclosure on your home in Northern Kentucky.A Chapter 13 bankruptcy is the perfect weapon to fight off a pending foreclosure.  We have filed these types of bankruptcies all the way up to the eve of the courthouse steps sale.In most case, the past due amounts on the loan can be spread out over sixty months to allow the homeowner time to catch back up.If you live in Northern KY., and are being threatened with foreclosure in Campbell, Boone, Grant, Kenton, Owen or Pendleton Counties, give my office a call at 859.824.3361 for a free, no obligation consultation.

Can I File Bankruptcy Against Student Loans?

In certain cases, you have every right to file against student loans. An adversarial proceeding would have to be filed within your bankruptcy case to apply for a discharge of the student loans. Current law requires you to be under extreme hardship.To find out what your option are for including student loans in a chapter 7 or 13, call your Northern Kentucky Bankruptcy Lawyer  at 859.824.3361.

I Have A Large 401K or IRA - Can I Still File For Bankruptcy?

Yes, under current bankruptcy laws, the entire amount is exempt and you will not lose any of it.If you have any questions about filing bankruptcy in Boone, Kenton, Campbell, Owen or Pendleton Counties in Northern Kentucky, give my office a call at 859.824.3361 for a FREE, no obligation consultation.

Can I File Bankruptcy Against My Garnishment?

Absolutely you can. Once the bankruptcy is filed, which can be in as little as one week from the first appointment, the garnishment will stop.Per Kentucky law, a judgment creditor can garnish up to twenty five (25) percent of your gross pay check each week. Filing bankruptcy will immediately stop that.If you are facing significant debt obligations and are considering bankruptcy, give my office a call at 859.824.3361 for a free, no obligation consultation.

Can I File Bankruptcy On My Taxes?

You certainly can file against property taxes that are against property you want to surrender. You also can in certain situations file against federal income taxes.If the returns were filed and no liens have been attached yet, taxes that are older than three years from the due date of filing can be discharged.Our office has also had success in reducing interest and penalties as they relate to taxes in Chapter 13 proceedings.If you owe taxes and have debt that is becoming unmanageable, give my Bankruptcy office a call at 859.824.3361 for a free, no obligation consultation.

I Have Already Filed For Bankruptcy - Can I File Again?

You can only file for Chapter 7 bankruptcy once every 8 years but you can file for a Chapter 13 reorganization after 4 years from a discharge and possibly more frequent than that, but you can't have more than one case open at the same time.Our office can quickly let you know if you qualify to file bankruptcy, so give us a call at 859.824.3361.
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Gatlin Voelker,PLLC

Gatlin Voelker, PLLC
2500 Chamber Center Dr.
Ste. 203
Fort Mitchell, KY 41017

Phone: 859-905-0946
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