Why Consider Chapter 7 Bankruptcy?

Job loss, or an illness or injury that prevents a member of the family from working, can quickly lead to mounting bills and creditor harassment. Chapter 7 bankruptcy offers a relatively swift path to eliminating debt. If you are struggling with medical bills or excessive credit card debt, Chapter 7 bankruptcy may be a wise option.

At Carrie D. Ritsert, Attorney At Law, our lawyer represents people who are facing overwhelming debt. We provide personalized representation to help relieve clients' worries and shoulder their burdens. No matter the difficulty of the situation you are in, rest assured that there is an end in sight.

Could Chapter 7 bankruptcy or other forms of debt relief help you attain financial freedom? Find out, email us to set up a free consultation.

Does Filing For Bankruptcy Cause Permanent Financial Ruin?

The answer is no, and many people in Kentucky do not realize that they can generally keep most or all of their property in bankruptcy.

Through Chapter 7 bankruptcy, you may be able to discharge — that is, permanently eliminate — many types of debt such as:

  • Medical bills
  • Credit card debt
  • Utility bills
  • Payday loans
  • Back-owed income taxes, in certain cases

Additionally, as soon as you file bankruptcy, collection efforts will come to a halt and creditors can no longer contact you. Wage garnishment will also stop. Filing bankruptcy halts foreclosure proceedings and vehicle repossessions, which can give you valuable time to pursue a loan modification or other means of keeping your home and vehicle.

To learn about Chapter 7 bankruptcy in more detail, visit our Chapter 7 Q&A page. For those whose income is too high to qualify for Chapter 7, Chapter 13 bankruptcy may be an alternative path to financial stability.

Stop The Harassment And Get A Fresh Start

You don't need to shoulder excessive debt on your own. A variety of debt relief solutions may be available to you.

For personal and tailored legal guidance, send a message online to Louisville Chapter 7 bankruptcy attorney Carrie Ritsert or call 502-694-5397/toll-free 800-785-7641. We offer reasonable fees along with evening and weekend appointments by request.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.