Bankruptcy Attorney in Northern Kentucky

Serving Boone, Kenton, and Campbell Counties

Have you fallen behind on your bills? Are you swimming in debt because of losing your job, underemployment, illness, divorce, or some other setback? If you are contemplating bankruptcy to get out from under an oppressive debt overload, then you need the services of a competent bankruptcy attorney.

A Northern Kentucky bankruptcy attorney at the Wolff Law Firm, PLLC, can give you the guidance you need to determine if bankruptcy is the right option for you. Everyone's financial situation differs. Bankruptcy is not always the most viable solution. At our law firm, a Northern Kentucky bankruptcy lawyer will sit down with you and help you evaluate your unique financial dilemma. We will show you your options and work with you to find the ones that will most benefit you and your family.

The Wolff Law Firm, PLLC serves Northern Kentucky cities such as Covington, Florence, Newport, Independence and surrounding areas. We are a small, family-oriented firm that provides personalized attention. We understand how stressful and frustrating a bankruptcy situation can be. At our firm, you will always work directly with a Northern Kentucky bankruptcy attorney. We will take the time to answer all your questions and find the best solutions for you.

Types of Bankruptcy

The goal of federal bankruptcy laws is to give the honest debtor a fresh start in life. How that is achieved is determined by each person's individual circumstances. In general, there are two types of bankruptcy filings. They are:

• Chapter 7 or straight bankruptcy, which wipes out most debts except for those listed, such as secured debts like the family home or car.
• Chapter 13 or wage earner's bankruptcy in which most debts are consolidated into one payment, a repayment plan is set up to pay back your debts over several year's time, and a percentage is paid back to most creditors. Secured debts, such as your house and car are still in place and ongoing.

Learn more about your bankruptcy options by contacting a Northern Kentucky bankruptcy attorney at our law firm today!