Kentucky Bankruptcy Attorney
Evaluating Options Other Than Bankruptcy
Are you struggling to meet your financial obligations, but fear the repercussions of filing personal bankruptcy? Would a bankruptcy filing irreparably damage the reputation of your business? Would you like to find ways other than bankruptcy to establish realistic payment arrangements with your creditors? You need an experienced lawyer to protect your interests and help you understand your options.
At the offices of Denise Brown, Attorney at Law, in Louisville, we have represented individuals and businesses throughout Kentucky and southern Indiana for over 20 years. We have extensive knowledge of methods of resolving personal financial problems, including non-bankruptcy options. Contact us to set up a free initial consultation.
We work closely with clients to identify the advantages and challenges of various alternatives to bankruptcy, including
- The negotiation of workouts with creditors (we have done this for individuals and businesses, negotiating new terms or a new contract with creditors)
- Determining if the bank or mortgage company is willing to take less per month over a longer period of time
- The sale of personal or business assets (the peace of mind you gain by ending the harassing phone calls and letters may be worth selling your treasured assets)
- Reexamining and prioritizing living expenses (we can help you identify which expenses you can eliminate)
- Home equity loans (if you have enough equity to eliminate arrearages and enough income to pay the new, higher mortgage amount, this can make sense)
- Consumer credit counseling (for a fee, you can hire someone to pay your bills for you. This generally costs you more money, but can build your credit back up and eliminate your need to deal with creditors and collection agencies).
For experienced and effective representation in all matters involving non-bankruptcy debt management alternatives, contact the offices of Denise Brown, Attorney at Law. We offer a free initial consultation. Evening and weekend appointments are available upon request.
