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Julie Obryan
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Obryan Law Offices
9311 Preston Hwy Louisville, KY 40229Â» view map
Bankruptcy
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Obryan Law Offices has helped thousands of families restore peace and order to their lives. Call us today!

800-884-2480
1. Julie Obryan Jefferson, KY
  Attorney at Law, KY 1985
  University Of Louisville
2. About UsObryan Law Offices
  Oâ€™Bryan Law Offices, Is Focused Solely on Helping People file for Bankruptcy.
3. FAQFrequently Asked Questions
  Click here for frequently asked questions
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Christy Jan Adams

Traffic, Estate, Divorce & Family Law, Bankruptcy

Status: In Good Standing

CONTACT

200 South Buckman St., Shepherdsville, KY 40165

Jason A Bauman

Bankruptcy, Elder Law, Personal Injury, Estate Planning

Status: In Good Standing

CONTACT

6801 Dixie Hwy, Louisville, KY 40258

Joseph Scott Wantland

Estate Planning, Family Law, Divorce, Bankruptcy

Status: In Good Standing

CONTACT

319 S. Buckman Street, Shepherdsville, KY 40165

Joseph J Wantland

Mass Torts, Estate Planning, Divorce, Bankruptcy

Status: In Good Standing

CONTACT

319 S. Buckman Street, Shepherdsville, KY 40165

David Martin Feldkamp

Estate, Bankruptcy, Bankruptcy & Debt, Accident & Injury

Status: In Good Standing

CONTACT

7210 Dixie Highway, Louisville, KY 40258

John W Bauman

Trusts, Civil Rights, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

6801 Dixie Hwy, Louisville, KY 40258

Michelle Marie O'Bryan

Litigation, Administrative Law, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

CONTACT

4710 Dixie Hwy, Louisville, KY 40216

Kimberly M Maraman

Personal Injury, Collection

Status: In Good Standing

CONTACT

193 S Buckman St, Shepherdsville, KY 40165

James K Stayton

Bankruptcy

Status: Inactive

CONTACT

3017 Wirth Ave, Louisville, KY 40217

Dennis E Kurtz

Bankruptcy, Other

Status: In Good Standing

CONTACT

1612 Gardiner Lane, Louisville, KY 40205

800-923-0641

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LEGAL TERMS

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

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.

AUTOMATIC STAY

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities,... (more...)

An injunction automatically issued by the bankruptcy court when a debtor files for bankruptcy. The automatic stay prohibits most creditor collection activities, such as filing or continuing lawsuits, making written requests for payment, or notifying credit reporting bureaus of an unpaid debt.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

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.

PREFERENCE

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commer... (more...)

A payment made by a debtor to a creditor within a defined period prior to filing for bankruptcy -- within three months for arms-length creditors (regular commercial creditors) and within one year for insider creditors (friends, family members, and business associates). Because a preference gives the creditor who received the payment an edge over other creditors in the bankruptcy case, the trustee can recover the preference (the amount of the payment) and distribute it among all of the creditors.

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Brooks Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

Obryan Law Offices

SPONSORED LAWYERS

Christy Jan Adams

Jason A Bauman

Joseph Scott Wantland

Joseph J Wantland

David Martin Feldkamp

John W Bauman

Michelle Marie O'Bryan

Kimberly M Maraman

James K Stayton

Dennis E Kurtz

TIPS

LEGAL TERMS

ACCORD AND SATISFACTION

INTEREST

FORBEARANCE

CHAPTER 13 BANKRUPTCY

WORKOUT

AUTOMATIC STAY

FRAUDULENT TRANSFER

COLLECTION AGENCY

PREFERENCE

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