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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
  Click here for frequently asked questions
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James E. McGhee

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Status: In Good Standing

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462 South Fourth Street, Louisville, KY 40202

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Richard A. Schwartz

Workout, Consumer Bankruptcy, Commercial Bankruptcy, Bankruptcy

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Leeann Thornhill

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239 S. 5th Street, Louisville, KY 40202

Dawn R. Elliott

Adoption, Alimony & Spousal Support, Bankruptcy, Child Support

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

Robert W. Riley

Bankruptcy, Family Law, Medical Malpractice, Personal Injury

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9400 Williamsburg Plaza, Louisville, KY 40222

Michael W. McClain

Business Organization, Products Liability, Collection, Banking & Finance

Status: In Good Standing

FREE CONSULTATION

CONTACT

9720 Park Plaza Avenue, Louisville, KY 40241

800-923-0641

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LEGAL TERMS

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

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.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

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.

DEFINED CONTRIBUTION PLAN

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount ... (more...)

A type of pension plan that does not guarantee any particular pension amount upon retirement. Instead, the employer pays into the pension fund a certain amount every month, or every year, for each employee. The employer usually pays a fixed percentage of an employee's wages or salary, although sometimes the amount is a fraction of the company's profits, with the size of each employee's pension share depending on the amount of wage or salary. Upon retirement, each employee's pension is determined by how much was contributed to the fund on behalf of that employee over the years, plus whatever earnings that money has accumulated as part of the investments of the entire pension fund.

S CORPORATION

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status fro... (more...)

A term that describes a profit-making corporation organized under state law whose shareholders have applied for and received subchapter S corporation status from the Internal Revenue Service. Electing to do business as an S corporation lets shareholders enjoy limited liability status, as would be true of any corporation, but be taxed like a partnership or sole proprietor. That is, instead of being taxed as a separate entity (as would be the case with a regular or C corporation) an S corporation is a pass-through tax entity: income taxes are reported and paid by the shareholders, not the S corporation. To qualify as an S corporation a number of IRS rules must be met, such as a limit of 75 shareholders and citizenship requirements.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

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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

CREDITOR

GUARANTEED RESERVATION

UNSECURED DEBT

GARNISHMENT

CURRENT MONTHLY INCOME

DEFINED CONTRIBUTION PLAN

S CORPORATION

NO-FAULT INSURANCE

LIMITED LIABILITY

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