April 2010 Archives

What Should I Do If I Get Hurt At Work?

You should immediately tell your supervisor, boss or owner of the company.If you do not, it could limit your ability to obtain workers compensation benefits.Have questions about Workers Compensation issues?  Then call me at 859-781-9100 for a Free consultation.

What Does Workers Compensation Cover

If you are injured at work in Kentucky, there a three parts to a possible workers compensation claim.First - payment of your medical bills.Second - Temporary Total Disability (TTD) payments for the period of time that your doctor has you off work.Third - Permanent Partial Disability (PPD) in the event that you have an impairment rating as a result of your work injury.If you need assistance with a Workers Comp matter, contact Northern Kentucky Workers Compensation Lawyer Brandon Voelker at 859-781-9100.

When Will I Be Discharged From Bankruptcy?

One of the major purposes of bankruptcy legislation is to afford the opportunity to a person hopelessly burdened with debt to erase his or her debt and thereby get a fresh financial start.  A bankrupt's debt is erased when he or she is discharged.The debtor is discharged 3 - 5 months after bankruptcy is filed.  At that time all debts (with some exceptions) are written off.Do you live in Northern Kentucky and have questions about Bankruptcy?  Then give my office a call at 859.824.3361.  The time you spend asking questions is free - and there is no obligation to do anything.

How Can I Reduce The Payment Owed On My Home?

With the economy in ruins and home prices and values continuing to decline, it is seomtimes possible to "cram down" the debt owed against your home and wither strip off a second mortgage or reduce the payment on a first mortgage within a Chapter 13 bankruptcy.  In a Chapter 13 bankruptcy a debtor is only required to pay the secured value back to the bank.  Here is an example:The homeowner has a first mortgage owing $150,000 and a second mortgage owing $50,000.  The current home appraisal is $145,000.  In a Chapter 13 filing, the homeowner could "cram down" the second morgage and treat it as unsecured.  The homeowner has reduced thier monthly payment by getting rid of thier second mortgage.Another Example:Homeowner has $80,000 worth of debt, at 12 percent interest on a home that is currently worth $45,000.  The homeowner's current payment would be in excess of $1,100 but in a Chapter 13 bankruptcy, the homeowner could lower their payment to $900 per month and pay the home off in five years.

How Can I Reduce The Payment Owed On My Home?

With the economy in ruins and home prices and values continuing to decline, it is seomtimes possible to "cram down" the debt owed against your home and wither strip off a second mortgage or reduce the payment on a first mortgage within a Chapter 13 bankruptcy. In a Chapter 13 bankruptcy a debtor is only required to pay the secured value back to the bank. Here is an example:

Can I File Bankruptcy If I Make Over $100,000 Per Year?

A person can absoultely file bankruptcy if they make over $100,000 per year. In most cases, depending on the size of your family, most likely you will need to file a Chapter 13 bankruptcy and pay back a portion of your debt over a three to five year period. The amount that needs to be paid back is based on the discretionary income you would have after paying reasonable expenses for basic needs. Please call us at 859-824-3361 to assist with your high income bankruptcy. 

Can I File Bankruptcy If I Make Over $100,000 Per Year?

A person can absoultely file bankruptcy if they make over $100,000 per year.   In most cases, depending on the size of your family, most likely you will need to file a Chapter 13 bankruptcy and pay back a portion of your debt over a three to five year period.  The amount that needs to be paid back is based on the discretionary income you would have after paying reasonable expenses for basic needs.  Please call us at 859-824-3361 to assist with your high income bankruptcy.

How Many Years Must I Wait Before I Can Re-file Bankruptcy?

In most cases an individual must wait 8 years to file a new Chapter 7 case and 4 years to file a Chapter 13 bankruptcy case.  However, a debtor can file a new Chapter 13 bankruptcy case after two years if the prior bankruptcy was also a Chapter 13 bankruptcy.  The time periods in either case are measured from the commencement dates of the respective cases. The dates of discharge have no bearing on the disqualification.A debtor may be able re-file a Chapter 13 bankruptcy immediately after a dismissal of a prior Chapter 13 bankruptcy, however there are many issues and ramifications involved and an attorney knowledgeable in bankruptcy should be contacted.  Fruend, Freeze & Arnold with offices in both Williamstown and Cold Spring can help.  Contact them at 859-824-3361.

How Many Years Must I Wait Before I Can Re-file Bankruptcy?

In most cases an individual must wait 8 years to file a new Chapter 7 case and 4 years to file a Chapter 13 bankruptcy case. However, a debtor can file a new Chapter 13 bankruptcy case after two years if the prior bankruptcy was also a Chapter 13 bankruptcy. The time periods in either case are measured from the commencement dates of the respective cases. The dates of discharge have no bearing on the disqualification.

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Gatlin Voelker,PLLC

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

Phone: 859-905-0946
Fax: 888-456-9179
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