What Is a Notice of Default? | O'Bryan Law Offices | Louisville, KY
A notice of default is the final warning mortgage lenders send to delinquent borrowers before beginning foreclosure proceedings. 502-339-0222| O'Bryan Law Offices
Are you drowning in debt with no clear path forward? Filing for bankruptcy in Kentucky might be an option worth considering. Bankruptcy is a legal process that can provide relief from overwhelming financial burdens when you’ve exhausted all other options. The pros of filing for bankruptcy include: The cons of filing for bankruptcy include: […] The post Pros And Cons of Filing For Bankruptcy in Kentucky appeared first on O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky.| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
Filing bankruptcy in Kentucky generally does not directly affect your spouse unless you have joint debts or assets. Your spouse’s separate property and credit score remain protected if you file individually, though joint obligations may still impact them. Financial struggles can place immense strain on a marriage. When considering bankruptcy as a solution, many married […] The post Does Filing Bankruptcy Affect Your Spouse in Kentucky? appeared first on O'Bryan Law Offices | Bankruptcy La...| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
Picture this: you just deposited your holiday bonus check through your bank’s mobile deposit system. Then, within a few hours, you try to spend money or withdraw cash from your checking account, but your bank won’t allow you to. You find out that they’ve placed a hold on your account due to the large check […] The post How to Remove a Hold on Bank Account appeared first on O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky.| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
An adversary proceeding is a separate lawsuit within a bankruptcy case that addresses disputes requiring court intervention. Governed by Bankruptcy Rule 7001 and sections 523, 727, 547, and 548 of the U.S. Bankruptcy Code, it functions much like a civil lawsuit under the Federal Rules of Bankruptcy Procedure. These proceedings often involve challenges to a […] The post What Is an Adversary Proceeding in Bankruptcy Court? appeared first on O'Bryan Law Offices | Bankruptcy Lawyer | Louisvil...| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
Understanding the intricacies of short sales and bankruptcy is essential, especially for those navigating financial difficulties. These processes are not just legal terms; they represent pivotal decisions that can impact an individual’s financial health. In our latest blog, the Kentucky bankruptcy attorneys from the O’Bryan Law Offices hope to shed light on both, highlighting how […] The post Understanding Short Sales and Bankruptcy appeared first on O'Bryan Law Offices | Bankruptcy Law...| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
As you probably already know, a person’s credit score indicates how likely they are to pay back their debts, based on their past financial history. Filing for bankruptcy can have a significant impact on a person’s credit score, often causing it to drop considerably. This is because bankruptcy signals to creditors that they’ve had difficulty […] The post How Long Does It Take to Build Credit After Bankruptcy? appeared first on O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentu...| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
Facing the receipt of a writ of garnishment can be a stressful experience, leaving you with many questions and concerns. At the O’Bryan Law Offices, we understand the complexities and emotional toll these legal actions can have. In our latest blog, the Kentucky bankruptcy attorneys will simplify the process, explain your rights and responsibilities, and […] The post I Just Received a Writ of Garnishment – What Now? appeared first on O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, ...| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
It’s no secret that debt collection agencies use many tactics to make a profit, some of which are less-than-honest. One of the ways they do this is by making collection efforts towards a debt that they cannot actually collect on, like expired debt or debt a person does not owe. Debt collectors will inform consumers […] The post What Is a Debt Validation Letter? appeared first on O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky.| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
Yes, a lien can be placed on your property without your immediate knowledge. Involuntary liens such as judgment liens or tax liens may arise through court actions or unpaid debts, while others, like mechanic’s liens, often require formal notice to the homeowner under Kentucky law. Because liens can restrict your ability to sell or refinance, […] The post Can Someone Put a Lien on My House Without Me Knowing? appeared first on O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky.| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
Bankruptcy is a complicated process, and it can be quite invasive. It requires the petitioner to reveal all of their assets and debts to have those debts resolved. In exchange for this, it allows debtors to erase their past debts and start fresh. Some people, however, try to take advantage of the system and find […] The post What Is Bankruptcy Fraud and How Can I Avoid It? appeared first on O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky.| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
In most Chapter 7 and Chapter 13 bankruptcy cases, creditors do not object to a discharge. Objections are relatively rare and typically arise only in cases involving suspected fraud, false financial disclosures, or abuse of the bankruptcy system. Under the U.S. Bankruptcy Code (11 U.S.C. §§ 523 and 727), a creditor has the right to […] The post How Often Do Creditors Object to Discharge? appeared first on O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky.| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
It only takes one missed car payment for a lender to start the repossession process—but most won’t act immediately. Many lenders wait until you’re 60 to 90 days behind before taking action. Still, your loan agreement, your lender’s policies, and Kentucky law all play a role. In fact, Kentucky lenders are allowed to begin repossession […] The post How Many Car Payments Can You Miss Before Repo? appeared first on O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky.| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
Getting a mortgage on your new home can be exciting for many homeowners. Unfortunately, when financial hardships strike, making payments on your dream home can become difficult. To protect their investment, lenders include the acceleration clause in their mortgage documents. It can be invoked when a borrower gets behind on payments. When you receive the […] The post What Is the Acceleration Clause in a Mortgage? appeared first on O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky.| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
The Fair Debt Collection Practices Act (FDCPA) protects consumers by prohibiting debt collectors from using unfair, deceptive, or abusive practices when attempting to collect debts. Common FDCPA violations include harassment and abuse, false or misleading statements, and engaging in unfair or unconscionable collection tactics. These violations can range from threatening harm and making excessive calls […] The post FDCPA Violations List appeared first on O'Bryan Law Offices | Bankruptcy Lawy...| O'Bryan Law Offices | Bankruptcy Lawyer | Louisville, Kentucky
A notice of default is the final warning mortgage lenders send to delinquent borrowers before beginning foreclosure proceedings. 502-339-0222| O'Bryan Law Offices
O'Bryan Law Offices. Bankruptcy Law Firm in Louisville, KY, Frankfort, Ky and New Albany, IN. For a Free Consultation, Call 502-339-0222.| O'Bryan Law Offices
Personal Bankruptcy Attorney in Lexington, KY. Get a fresh start! Expert lawyer specializing in debt relief, Chapter 7 and Chapter 13. Free consultation available!| O'Bryan Law Offices
