Glenview Bankruptcy & Debt Lawyer, Kentucky

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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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Michael W. McClain

Business Organization, Products Liability, Collection, Banking & Finance

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9720 Park Plaza Avenue, Louisville, KY 40241

Mark Jeffery Sandlin

Bankruptcy & Debt, Real Estate

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9301 Dayflower Street, Prospect, KY 40059

John Saoirse Friend

Commercial Real Estate, Labor Law, Civil Rights, Collection, Estate Planning

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Wendy Leigh Groce-Smith

Immigration, Bankruptcy, Bankruptcy & Debt, Medical Malpractice

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Tracy L Hirsch

Bankruptcy, Bankruptcy & Debt, Foreclosure, International Tax, Divorce

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8011 New La Grange Rd, Louisville, KY 40222

Michael Wayne McClain

Immigration, Bankruptcy, Bankruptcy & Debt, Medical Malpractice, Wrongful Termination

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9301 Dayflower Street, Prospect, KY 40059

Eleanor C Nicoulin

Bankruptcy

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9462 Brownsboro Rd, Louisville, KY 40241

Wendell Lloyd Jones

Bankruptcy, Litigation, Construction Contracts

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9418 Norton Commons Blvd, Prospect, KY 40059

Rhonda Karen Richardson

Real Estate, Bankruptcy, Administrative Law, Commercial Real Estate

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600 N. Hurstbourne Pkwy, Louisville, KY 40222

Charles Robert Merrill

Bankruptcy

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2545 Glenmary Ave, Louisville, KY 40204

800-814-6700

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LEGAL TERMS

FAIR CREDIT BILLING ACT (FCBA)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days af... (more...)

A federal law that gives you rights when an error occurs on your credit card statement. You must notify the credit card company of the mistake within 60 days after it mailed the bill to you. The company must then correct the mistake, or at least acknowledge receipt of your letter within 30 days, and must correct the error within 90 days or explain why it believes the credit card statement is correct.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

FAIR LABOR STANDARDS ACT (FLSA)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements ... (more...)

A federal law that guarantees a worker's right to be paid fairly. The FLSA defines the 40-hour workweek, sets out the federal minimum wage, states requirements for overtime and places restrictions on child labor.

GUARANTEED RESERVATION

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehic... (more...)

A hotel or rental car reservation secured by a credit card number. In exchange for your card number, the hotel or rental agency promises to have a room or vehicle for you no matter when you show up. If you have a guaranteed reservation with a hotel, it must provide you with a room, either at that hotel or at another comparable establishment. If you have a guaranteed reservation with a car agency, it must provide you with a vehicle. The downside of a guaranteed reservation is that if you don't show up and haven't cancelled your reservation, you will be billed for one night in the room or one day's use of the vehicle.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

C CORPORATION

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S c... (more...)

Common business slang to distinguish a corporation whose profits are taxed separate from its owners under subchapter C of the Internal Revenue Code, from an S corporation, whose profits are passed through to shareholders and taxed on their personal returns under subchapter S of the Internal Revenue Code.

IRS EXPENSES

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income mu... (more...)

A table of national and regional expense estimates published by the IRS. Debtors whose current monthly income is more than their state's median family income must use the IRS expenses to calculate their average net income in a Chapter 7 case, or their disposable income in a Chapter 13 case.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

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Glenview Bankruptcy & Debt Lawyer, Kentucky

Sponsored Law Firm

Obryan Law Offices

SPONSORED LAWYERS

Michael W. McClain

Mark Jeffery Sandlin

John Saoirse Friend

Wendy Leigh Groce-Smith

Tracy L Hirsch

Michael Wayne McClain

Eleanor C Nicoulin

Wendell Lloyd Jones

Rhonda Karen Richardson

Charles Robert Merrill

TIPS

LEGAL TERMS

FAIR CREDIT BILLING ACT (FCBA)

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

NUISANCE FEES

FAIR LABOR STANDARDS ACT (FLSA)

GUARANTEED RESERVATION

LIEN

C CORPORATION

IRS EXPENSES

PRESUMED ABUSE

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