Bankruptcy Debtors
Home » Bankruptcy Debtors

Helping You Keep Your Home, Car And Dignity

Bankruptcy is not the end of the world; extremely successful people have filed for bankruptcy only to come out at the other end better than ever. Many reasons for bankruptcy are unexpected consequences of catastrophic events such as:

  • Divorce
  • Medical bills
  • Unemployment
  • Foreclosure
  • Repossession
  • Late notices and interest

Bankruptcy can provide a better solution than debt consolidation.

Secure Immediate Relief From Debt

At Bamberger, Brancato & Spalding, PSC, we will help you determine if Chapter 7 or Chapter 13 bankruptcy is best for your individual circumstances. We will guide you through the complicated administrative system of bankruptcy court from your initial consultation to the final discharge of your debt.

Upon filing for bankruptcy, your creditors will be notified and must take part in the process and agree to the terms. If a creditor objects to the discharge of debt, you may need to go through adversary proceedings for resolution. Many bankruptcy attorneys are unwilling to take part in these proceedings, but our firm will represent you whenever necessary to get a fair and final result for you.

If you file for bankruptcy protection and do not list a creditor, they may not be included in your order for discharge, and your debt obligations to them may not be forgiven.  To avoid these situations, Bamberger, Brancato & Spalding, PSC, always performs a comprehensive asset and credit check to ensure every creditor and debt is identified and accounted for in your Petition.

If your creditor offers you a reaffirmation agreement, our firm will carefully review these documents while other bankruptcy lawyers may refuse to do so and force you to seek approval from the bankruptcy court on your own.

Strategic And Effective Representation

Bankruptcy debtors can often undervalue their assets unintentionally, and that can result in the asset being surrendered to the bankruptcy trustee and then being sold.  As a firm that regularly handles simple and complex bankruptcy cases, we are familiar with asset valuation and know what types of assets Kentucky bankruptcy judges and trustees value highly. We can also help you create a bankruptcy strategy that allows you to protect all of your assets and avoid unnecessary adversarial proceedings.

Relieve Your Burden

You don’t need to feel ashamed. To secure immediate medical debt relief contact our firm in Owensboro today. Contact us online or call us at 270-926-5050. We provide a no-charge consultation in all bankruptcy cases.

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