The Bankruptcy Decision

Sound Advice to Help You Make a Difficult Decision
In terms of difficulty, the decision to file for bankruptcy protection ranks near marriage or divorce for many people. It's a powerful legal tool used to eliminate debt when the situation leaves no better options. Our attorneys at O'Bryan Law Offices in Louisville are ready to help Kentucky and Indiana individuals, families and business owners work through this tough decision and help you determine whether filing for bankruptcy is right for you.

Contact us to speak with bankruptcy lawyer Julie O'Bryan or one of her associates for dependable advice that takes your overall financial and personal situation into account. Our law firm practices almost exclusively in bankruptcy law, filing over 1,000 cases a year in the bankruptcy courts giving us the experience needed to handle just about any type of complicated bankruptcy in the region.

We offer highly individualized service in every client's case
Because our firm has four lawyers supported by a professional staff of 14, our size and focus allow us to devote close attention to each client's case and unique circumstances. We take the time to explain your options and each step in the bankruptcy process. We answer all your questions. If a problem comes up in your case, we can meet it head on.

In our first meeting with prospective clients, we get an understanding of their financial situation and assess how bankruptcy might help them. Filing for bankruptcy relief is not for everyone — if you don't have a great deal of debt or if your financial pressures reflect a cash flow crisis instead of insolvency, you'll likely be better off with a credit counseling service or a negotiated workout with your main creditors.

Bankruptcy can only discharge your debts once every eight years
Filing for bankruptcy every time you run into financial trouble isn't an option. We can help you decide whether bankruptcy's protection from creditors is right for you right now. We can also help you understand the difference between Chapter 7 debt relief and a Chapter 13 repayment plan.

Bankruptcy is a legal process that protects you from creditor pressure. Our experience with federal bankruptcy law and procedure can help you decide if it's your best current option to prevent foreclosure of a mortgage or stop creditor harassment. For a free consultation about the pros and cons of filing for bankruptcy, or to clear up any misconceptions you might have about the process, contact us at O'Bryan Law Offices in Louisville, Frankfort or New Albany.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.