Category Archives: Bankruptcy/Foreclosure/Other Financial Problems

I am filing a bankruptcy in Kentucky, will I lose everything?

Posted on September 24, 2012 by LRS Director

If you live in Kentucky, you may claim the protection of the federal exemption law or the state exemption laws, consult a skilled bankruptcy attorney to determine which exemptions to use. Continue reading →

What is the Fair Debt Collections and Practices Act?

Posted on September 21, 2012 by LRS Director

The Fair Debt Collection and Practices Act (FDCPA) prohibits debt collectors from using abusive, deceptive, and unfair debt collection practices. Continue reading →

Posted in Bankruptcy/Foreclosure/Other Financial Problems, General Legal Information | Tagged cba, Cincinnati Bar Association lawyer referral, collections, debt collectors, Fair Debt Collections and Practices Act, fair debt practices, FDCPA, lawyer referral service, lrs | Leave a comment

Can a debt collector sue me or have me arrested?

Posted on September 19, 2012 by LRS Director

Many debt collector callers can be very abusive. Most of them get paid on commission. It is important to know that they are not allowed to threaten you. Continue reading →

Posted in Bankruptcy/Foreclosure/Other Financial Problems | Tagged arrested, cba, Cincinnati Bar Association lawyer referral, collections, debt collectors, debtors jail, lawyer referral service, lrs, sued | Leave a comment

I have a debt collector calling me, what should I do?

Posted on September 17, 2012 by LRS Director

Once you have retained an attorney, you can refer any debt collection calls to your attorney who will handle them for you.
Continue reading →

Posted in Bankruptcy/Foreclosure/Other Financial Problems | Tagged cba, Cincinnati Bar Association lawyer referral, collection calls, collectors, credit, debt, harrassment, lawyer referral service, lrs, past due | Leave a comment

If my wages are being garnished, what can I do?

Posted on September 14, 2012 by LRS Director

There are three main ways to stop the garnishment: negotiate a settlement; negotiate a payment plan; or file bankruptcy. Continue reading →

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What are the pros and cons of filing for bankruptcy?

Posted on September 12, 2012 by LRS Director

The disadvantages to filing bankruptcy are much fewer than the advantages. Continue reading →

Posted in Bankruptcy/Foreclosure/Other Financial Problems | Tagged bankruptcy, cba, Cincinnati Bar Association lawyer referral, credit record, debt, lawyer referral service, lrs, pros and cons, types of bankruptcy | Leave a comment

Could I still owe anything even after filing bankruptcy?

Posted on September 10, 2012 by LRS Director

Many people think that once they file bankruptcy, all of their debts are erased. This is not true. There are some debts that cannot be eliminated in bankruptcy. Continue reading →

Posted in Bankruptcy/Foreclosure/Other Financial Problems | Tagged bankruptcy, cba, Cincinnati Bar Association lawyer referral, collections, debts, lawyer referral service, lrs, types of bankruptcy | Leave a comment

When should someone consider filing bankruptcy?

Posted on September 7, 2012 by LRS Director

If you feel you are you in trouble, you should consult with a bankruptcy attorney to discuss your options, some of which may not involve filing bankruptcy at all. Continue reading →

Posted in Bankruptcy/Foreclosure/Other Financial Problems | Tagged Attorney, bankruptcy, cba, Cincinnati Bar Association lawyer referral, collections, debt, financial straits, lawyer referral service, lrs, overwhelming, sued, wage garnishments | Leave a comment

What is the process for filing bankruptcy?

Posted on September 5, 2012 by LRS Director

by Mark E. Godbey, Lawyer Referral Service Panelist Once a decision to file the bankruptcy has been made and your case is filed, you will need to attend the required 341 meeting, a.k.a. “meeting of creditors.” In most cases, this … Continue reading →

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What is Chapter 13 Bankruptcy?

Posted on September 3, 2012 by LRS Director

In a Chapter 13 (reorganization) case you file a “plan” showing how you will pay off some of your past-due and current debts over three to five years. Continue reading →

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