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Kentucky Bankruptcy Questions & Answers
2 Answers | Asked in Bankruptcy for Kentucky on
Q: I had filed bankruptcy in 2016 and had filed it on my credit cards, now I have to give my lawyer another 500.00 to get

It taken off. Well she went through district court instead of bankruptcy court. I have sold my place. Is this legal?

Timothy Denison
Timothy Denison
answered on Mar 4, 2020

I have no idea what you just said. What is your question?

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1 Answer | Asked in Bankruptcy for Kentucky on
Q: My Ch 13 case was dismissed in NC. Just moved to KY. If I decide to give up the vehicle will they do a garnishment?
Timothy Denison
Timothy Denison
answered on Feb 22, 2020

Ultimately, if the judgment is not paid, yes.

1 Answer | Asked in Bankruptcy for Kentucky on
Q: I filed Chapter 13 four years ago. Can I use my 2019 state tax refund to pay my 2019 federal taxes that will be due?
Timothy Denison
Timothy Denison
answered on Feb 12, 2020

Not without approval of court bc the 2019 refund is an asset of the estate.

4 Answers | Asked in Bankruptcy for Kentucky on
Q: My husband and ex wife had a vehicle together. And they failed to make the payments. Can my husband file bankruptcy?
Nick Curtis Thompson
PREMIUM
Nick Curtis Thompson
answered on Nov 1, 2019

Yes, we file bankruptcy for just one spouse all the time. The means test does use the income for both spouses to determine whether a Chapter 13 or 7 should be filed but most of the time just one spouse can file.

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1 Answer | Asked in Bankruptcy for Kentucky on
Q: Can I withdraw my bankruptcy request?

My husband and I paid a partial retainer and signed the paperwork for the lawyer for file chapter 7 bankruptcy. We have not completed any of the required documents nor have we completed the required credit counsel. We were told nothing would be filed until we completed both and it also states in... View More

Timothy Denison
Timothy Denison
answered on Aug 31, 2019

Yes, you can.

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
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... View More

Clark Dray
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... View More

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1 Answer | Asked in Bankruptcy for Kentucky on
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
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
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
PREMIUM
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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3 Answers | Asked in Bankruptcy for Kentucky on
Q: How long before you can get your license reinstated following filing bankruptcy on a criminal lawsuit because of car acc
Timothy Denison
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
Timothy Denison
answered on Mar 2, 2019

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

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3 Answers | Asked in Bankruptcy for Kentucky on
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
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... View More

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2 Answers | Asked in Bankruptcy for Kentucky on
Q: Could I assign a car lease over to my daughter if I've already filed?
Timothy Denison
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
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
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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1 Answer | Asked in Bankruptcy for Kentucky on
Q: If I claim the insolvency exemption from a 1099c (student debt) will it hurt my credit like bankruptcy?
Timothy Denison
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
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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