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Helping You Through The Bankruptcy Process

In today’s economy, bankruptcy is increasingly a solution for many Americans struggling with insurmountable debt. If you are considering bankruptcy, you likely have many questions. You may be worried about losing your home, your car and other property. You may be wondering whether bankruptcy will affect your career, job prospects and credit over the long term.

Louisville-based bankruptcy attorney Carrie Ritsert at the law firm of Carrie D. Ritsert, Attorney At law, can help you answer these questions and determine whether bankruptcy will help. Our lawyer is an experienced problem solver who will work hard to free you from debt and get you a fresh financial start.

How Can Chapter 7 Bankruptcy Help?

If you are buried in credit card debt, medical bills, payday loans or other forms of debt, bankruptcy — specifically, Chapter 7 bankruptcy — can permanently wipe away many forms of unsecured debt, including some tax debts. Additionally, it can stop home foreclosure proceedings, vehicle repossessions, collection efforts and wage garnishments. To learn more about the specific benefits of Chapter 7 bankruptcy, visit our Chapter 7 Q&A page.

Chapter 7 can wipe away credit card debt, tax debt and medical bills in a matter of months. Call 502-694-5397 for a free consultation.

Contrary to what many people believe, you will not automatically lose all your property in bankruptcy. In fact, it is rare for most people to lose any property in this type of bankruptcy.

When Chapter 13 Protection Offers An Alternative

When you cannot qualify for Chapter 7 relief, Chapter 13 bankruptcy allows you to set up a repayment plan of a single, affordable monthly payment normally lasting three to five years. At the end of the repayment plan, many of your debts will be eliminated. For a more detailed look at this type of bankruptcy, visit our Chapter 13 Q&A page.

At Carrie D. Ritsert, Attorney At law, we also offer representation for Kentucky businesses facing financial trouble. Chapter 11 bankruptcy may be a means of restructuring or eliminating debts, and salvaging profitability.

Get Individualized Legal Advice

For a free initial consultation, send Carrie Ritsert an email or call toll-free 502-694-5397. Evening and weekend appointments are available if necessary, and we promptly return all phone calls.

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