Bankruptcy Protection: Helping You Achieve A Fresh Financial Start

For those troubled by heavy debt burdens, the constant call of creditors and bill collectors, the embarrassment of substantial debts, and the feeling that there is no avenue for help all add up to an unshakeable sense of frustration, anger and resignation.

At Troutman & Napier, PLLC, we know the numerous financial struggles facing many people in Lexington and throughout Kentucky. Whether you're saddled with credit card debts that only get bigger, you are at risk of losing your home to foreclosure, or you have hit a rough spell with your business, there are options out there that may help you take control of your debts and achieve a fresh start.

The Benefits Of Bankruptcy

Most people simply do not understand the benefits bankruptcy has to offer. Oftentimes they assume that bankruptcy is a form of punishment rather than a tool. At our firm, we want to help debunk some of these myths and give people the information they need to make smart decisions.

Depending on your circumstances, Chapter 7 or Chapter 13 bankruptcy can offer numerous protections, get creditors off your back, reorganize your debts and ultimately help you discharge debts so you can rebuild financially.

Some other bankruptcy benefits include:

  • Stop foreclosure proceedings and pay up the past due amounts over time so you can save your home.
  • Stop creditors from calling and harassing you as soon as you file.
  • Keep all your property. Many people do not realize that there are generous exemptions in the Bankruptcy Code which allow you to keep your property in a chapter 7. Even when your asset value exceeds those exemptions, a chapter 13 can still work to keep your property in your hands.
  • Improve your credit score after the successful completion of a bankruptcy.

When you hire us, we will review your circumstances and develop the best approach to resolve your debt issues. You will always meet with your attorney, never a secretary or paralegal. Our lawyers have built their reputations on personal service and straightforward answers. If bankruptcy is not the best option for you, we will say so and outline those options.

We can help you understand which debts are dischargeable and which are not. For example, most student loans, unpaid child support and certain types of other debts cannot be discharged or require special circumstances to discharge.

Let's Talk During A Confidential Consultation

Instead of resigning yourself to a life of dealing with debt, learn how you can achieve a fresh financial start through bankruptcy protection. Call us at 859-253-0991 to schedule a consultation at our Lexington law office.

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