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Call Our Lexington Office Today – 859-258-2000
Frankfort – 502-875-6911
Versailles – 859-873-1200
Contact us to schedule a FREE consultation to discuss what your bankruptcy options might be.



Understanding the Difference Between Chapter 7 and Chapter 13 Bankruptcy


Sometimes, people have more debts than they can repay and need to file bankruptcy. If you're considering this option, it's important to understand the differences between the two main types of bankruptcy: Chapter 7 and Chapter 13. Knowing the differences between the two will help you understand which type is most suitable given your situation.

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When to File for Chapter 7 Bankruptcy


Debt can unfavorably impact your life to the point that your well-being can suffer immensely. It can feel as though there is no way out of a financial mess, but if you are a consumer losing sleep over your debt, bankruptcy may be a beneficial endeavor for you. Specifically, if your debts amount to more than half of your yearly income or if it would take you more than five years to repay creditors using extreme measures, Chapter 7 bankruptcy can be an important step toward resolving credit issues and moving forward.

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