Jefferson County, KY Bankruptcy & Debt Lawyers, page 3

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Lawrence Belanger
About | Practice Areas
Law Office of Lawrence Belanger
101 North 7th St Louisville, KY 40202» view map
Bankruptcy & Debt
Decades Of Experience

Filing for bankruptcy can be complicated, but it doesn't have to be. Attorney Lawrence Belanger helps his clients every step of the way.

800-872-6030
1. Lawrence Belanger Louisville, KY
  Attorney at Law - KY, 1991
  Suffolk University J.D. 1973
2. AboutLaw Office of Lawrence Belanger
  Decades Of Experience
3. Practice AreasExpertise
  Bankruptcy & Debt
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Micah C. Daniels

Immigration, Social Security -- Disability, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 19 Years

CONTACT

401 W Main St, Louisville, KY 40202

Kyle Perret Galloway

Commercial Leasing, Corporate, Business Organization, Bankruptcy

Status: In Good Standing Licensed: 21 Years

CONTACT

9625 Ormsby Station Road, Louisville, KY 40223

M. Thurman Senn

Litigation, Estate Planning, Banking & Finance, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

601 Main Street, Louisville, KY 40202

Thomas W. Volk

Real Estate, Corporate, Contract, Workout

Status: In Good Standing Licensed: 47 Years

CONTACT

1508 Sable Wing Circle, Louisville, KY 40223

Timothy A. Schenk

Bankruptcy, Corporate, Litigation, Labor Law

Status: In Good Standing Licensed: 17 Years

CONTACT

600 West Main Street, Louisville, KY 40202

Taylor M. Hamilton

Real Estate, Litigation, Credit & Debt, Collection

Status: In Good Standing Licensed: 16 Years

CONTACT

401 S Fourth St, Louisville, KY 40202

Anthony George Raluy

Public Finance, Wills, Corporate, Bankruptcy

Status: In Good Standing

CONTACT

101 Bullitt Lane, Louisville, KY 40222

Melinda T. Sunderland

Divorce, Corporate, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 21 Years

CONTACT

401 S Fourth St, Louisville, KY 40202

Ayala Golding

Collection, Commercial Leasing, Contract, Employment

Status: In Good Standing Licensed: 30 Years

CONTACT

401 West Main Street, Louisville, KY 40202

Bryan Gowin

Divorce, Child Custody, DUI-DWI, Credit & Debt

Status: In Good Standing

CONTACT

1000 Trevilian Way, Louisville, KY 40213

800-923-0641

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Lawyer.com can help you easily and quickly find Kentucky Bankruptcy & Debt Lawyers and Kentucky Bankruptcy & Debt Law Firms. Find Bankruptcy & Debt attorneys by major city or select a city from the list of all Kentucky cities. Alternatively you can search for Bankruptcy & Debt attorneys for all Kentucky cities or search by county. You may also also find it useful to refine your search by specific Bankruptcy & Debt practice areas such as Bankruptcy, Collection, Credit & Debt, Reorganization and Workout matters.

LEGAL TERMS

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

WORKOUT

A debtor's plan to take care of a debt, by paying it off or through loan forgiveness. Workouts are often created to avoid bankruptcy or foreclosure proceedings.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

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Jefferson County, KY Bankruptcy & Debt Lawyers, page 3

Sponsored Law Firm

Law Office of Lawrence Belanger

SPONSORED LAWYERS

Micah C. Daniels

Kyle Perret Galloway

M. Thurman Senn

Thomas W. Volk

Timothy A. Schenk

Taylor M. Hamilton

Anthony George Raluy

Melinda T. Sunderland

Ayala Golding

Bryan Gowin

TIPS

LEGAL TERMS

BANKRUPTCY

WORKOUT

ABUSE

GRACE PERIOD

COLLECTION AGENCY

ADMINISTRATIVE EXPENSES

CREDIT INSURANCE

CREDIT COUNSELING

NUISANCE FEES

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