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Kentucky Bankruptcy Questions & Answers

1 Answer | Asked in Bankruptcy for Kentucky on

Q: How long does it take to get chapter 13 discharge after the final payment in Kentucky?

Timothy Denison answered on Aug 10, 2019

Usually about 30 days.

3 Answers | Asked in Bankruptcy for Kentucky on

Q: I am having problems with bank about a past bankruptcy

I filed chapter 7 in 2008

My lawyer was supposed to remove my car off of it. I refinanced car right after bankruptcy. In 2011 I got beside on payments. Then the bank comes back and said I filed bankruptcy on it so I gave it back to them. A few months ago the sent me a letter saying they... Read more »

Clark Dray answered on Jul 8, 2019

Please correct me if I've misunderstood, but in your question you indicated that you filed bankruptcy in 2008, but then refinanced the car in 2011. If the refinance took place after the bankruptcy, that's new debt which isn't included in the 2008 case. As such the creditors are within their rights... Read more »

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Q: Bankruptcy court said payments are due, but they want me to pay more than 30% of my SSI check. What can I do?

I draw just over $700 a month and they're taking just under $300. Could I file for bankruptcy to get rid of these judgments even though they were from a bankruptcy court, or what can I do?

Timothy Denison answered on Jun 23, 2019

No. You cannot discharge payments ordered by the bankruptcy court in a past, present or future bankruptcy filing.

1 Answer | Asked in Bankruptcy for Kentucky on

Q: Put a vacay on a credit card a few weeks ago. Then got denied on our loan so filing chap 13. Will they object.

Truly not a fraud charge, we have never discussed bankruptcy, both work 2 jobs and run a business. But suddenly no one wants to give us a loan to consolidate debt and someone suggested a chapter 13. But this vacation is an issue even tho it was 100% non fraudulent

Timothy Denison answered on Jun 22, 2019

You’ll have to list it and explain it to the trustee. Probably can be resolved so long as you can show that is not a fraudulent transaction.

2 Answers | Asked in Bankruptcy for Kentucky on

Q: I own two vehicles. One is paid for i have loan on the other which my mom cosigned for. Can i keep then both chap 7 n KY

John Robinson answered on May 21, 2019

In all likelihood, yes. The only problem would be if the two vehicles have a lot of value (equity in the vehicle with the loan). You will just need to continue making the loan payments to keep the second vehicle.

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Q: How long before you can get your license reinstated following filing bankruptcy on a criminal lawsuit because of car acc

Timothy Denison answered on Mar 14, 2019

You can have your license reinstated once the discharge is entered.

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2 Answers | Asked in Bankruptcy for Kentucky on

Q: I defaulted on a $13000 car loan. Is it better to file bankruptcy or hope the bank eventually gives up trying to collect

The loan was joint with my ex boyfriend and he has had the car for 3 years. Car value is abt $3000. I have no money and no house but I have a 2006 Jeep with an upside down loan on it. I’m a server.

Timothy Denison answered on Mar 2, 2019

Sounds like s chapter 7 might be in order for you.

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Q: i have a large credit card debt my husband is not aware of we own a home with 80 acreas of land can i file bankruptcy

i dont want him to know and i dont want to include our place

Timothy Denison answered on Feb 7, 2019

You must disclose all of your assets when filing bankruptcy. You cannot keep this from your husband because he is a co-debtor and Co-owner. He will get notice from the court if not from you. Break the news about the debt to your husband and figure out how to pay it off. Bankruptcy doesn’t... Read more »

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Q: Could I assign a car lease over to my daughter if I've already filed?

Timothy Denison answered on Dec 14, 2018

Not without the Trustee and Courts permission although you can reject the lease.

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3 Answers | Asked in Bankruptcy, Civil Rights and Collections for Kentucky on

Q: Got a judgement in the mail saying ordered and adjudged what does that mean?

Does this mean garnishment?

Timothy Denison answered on Oct 9, 2018

Ordered and adjudged means “ordered.” It does not mean garnishment directly but it could give rise to a garnishment.

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3 Answers | Asked in Bankruptcy for Kentucky on

Q: I filed Bankruptcy chapter 7 and it was discharged 10/05/2010. what is the date i can file chapter 7 again.

David Earl Phillips answered on Aug 29, 2018

You count 8 years from the filing date of the 2010 case in order to be able to get a discharge in a second chapter 7 filing. Filing to filing, not discharge to filing. Best to see a lawyer near you to see if you are eligible. Hope that helps. Good luck!

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Q: If I claim the insolvency exemption from a 1099c (student debt) will it hurt my credit like bankruptcy?

Timothy Denison answered on Aug 17, 2018

No. As long as your debt exceeds your assets at the time you received the 1099(c), the IRS simply does not tax you on the debt. However, you should be prepared to prove your insolvency if questioned.

2 Answers | Asked in Bankruptcy for Kentucky on

Q: was in chapter 7 got discharged now in chapter 13 got case got drop due to my payments now wanna can I file chapter 7?

I am in a situation I have filed chapter 7 and was discharged in 2014 but ended up back in chapter 13 in 2016 but my case got drop due to payments and now wanna now can file chapter 7 again?

Timothy Denison answered on Jul 30, 2018

No. If you were discharged in 2014 you cannot file another chapter 7 until 2022.

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1 Answer | Asked in Bankruptcy for Kentucky on

Q: I am considering filing bankruptcy I am on a fixed income I own one vehicle no personal property do I need to file

I am on a fixed income

Timothy Denison answered on Jul 26, 2018

Depends on how much debt you have...

1 Answer | Asked in Bankruptcy for Kentucky on

Q: My credit report shows a chapter7 bankruptcy filed Sept 09. When in fact chapter 13 was filed. Chapter7 in2010

Should it show this way or can I dispute it since in 2009 it was a 13

Timothy Denison answered on Jul 13, 2018

Dispute it and get the dates corrected!

2 Answers | Asked in Bankruptcy for Kentucky on

Q: Well considering they are killing me on a garnishment i probably should file bankruptcy

But do i file chapter 7 or 13

Timothy Denison answered on Jun 7, 2018

That depends on an analysis of your finances and debt that your bsnkruptcy lawyer will perform and tell you. If it means anything, the minute you file bankruptcy, the harm stops. So sooner is better than later.

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1 Answer | Asked in Bankruptcy for Kentucky on

Q: Is there any attornys that care a small fee in ky area becahse i get 435.00 every 2 weeks.n.soley support a 13 yr old gi

Timothy Denison answered on Jun 7, 2018

Depends on what you are looking to do.

1 Answer | Asked in Bankruptcy, Personal Injury and Car Accidents for Kentucky on

Q: K mean they was using an address from liks 10 yrs ago n that same insurance co. N that was on report. Hos it legal.

I cant afford an attorny in my area due to the amount they keep taking

Timothy Denison answered on Jun 7, 2018

Hiring an attorney is the only way and fastest remedy you have bc they will continue taking your money otherwise.

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