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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
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James E. McGhee

Corporate, Reorganization

Status: In Good Standing

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462 South Fourth Street, Louisville, KY 40202

Robert T. Wagner

Collection, Banking & Finance, Corporate, Bankruptcy

Status: In Good Standing

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One Riverfront Plaza, 401 West Main Street, Louisville, KY 40202

Tyler R. Yeager

Bankruptcy, Corporate

Status: In Good Standing

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462 South Fourth Street, Louisville, KY 40202

Richard A. Schwartz

Workout, Consumer Bankruptcy, Commercial Bankruptcy, Bankruptcy

Status: In Good Standing

FREE CONSULTATION

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3339 Taylorsville Road, Louisville, KY 40205

Robert J Morrison

Bankruptcy

Status: In Good Standing

FREE CONSULTATION

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310 West Liberty Street, Louisville, KY 40202

Leeann Thornhill

Foreclosure, Garnishment, Commercial Bankruptcy, Bankruptcy

Status: In Good Standing

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Wasson & Thornill, PLLC, Louisville, KY 40220

Alisha Triplett

Banking & Finance, Bankruptcy, Collection

Status: In Good Standing

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239 S. 5th Street, Louisville, KY 40202

Dawn R. Elliott

Adoption, Alimony & Spousal Support, Bankruptcy, Child Support

Status: In Good Standing

FREE CONSULTATION

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Hertz-Starks Building, 455 South 4th Street, Louisville, KY 40202

Robert W. Riley

Bankruptcy, Family Law, Medical Malpractice, Personal Injury

Status: In Good Standing

FREE CONSULTATION

CONTACT

9400 Williamsburg Plaza, Louisville, KY 40222

Michael W. McClain

Business Organization, Products Liability, Collection, Banking & Finance

Status: In Good Standing

FREE CONSULTATION

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9720 Park Plaza Avenue, Louisville, KY 40241

800-923-0641

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LEGAL TERMS

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.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

DEBIT CARD

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can ... (more...)

A card issued by a bank that combines the functions of an ATM card and checks. A debit card can be used to withdraw cash at a bank like an ATM card, and it can also be used at stores to pay for goods and services in place of a check. Unlike a credit card, a debit card automatically withdraws money from your checking account at the time of the transaction. Debit cards are regulated by the Electronic Funds Transfer Act.

DEBT COLLECTOR

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe... (more...)

A person who works in the in-house collections department of an original creditor or a collection agency to track down debtors and get them to pay what they owe. Debt collectors can be relentless, often using scare tactics, humiliation and repeated phone calls to extract payments or promises to pay.

CCCS

See Consumer Credit Counseling Service.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

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Louisville Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

Obryan Law Offices

SPONSORED LAWYERS

James E. McGhee

Robert T. Wagner

Tyler R. Yeager

Richard A. Schwartz

Robert J Morrison

Leeann Thornhill

Alisha Triplett

Dawn R. Elliott

Robert W. Riley

Michael W. McClain

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LEGAL TERMS

WORKOUT

CURRENT MONTHLY INCOME

TRUTH IN LENDING ACT (TILA)

REAFFIRMATION

REDEMPTION

DEBIT CARD

DEBT COLLECTOR

CCCS

GUARANTOR

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