Louisville Bankruptcy & Debt Lawyer, Kentucky, page 2

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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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Houston M. Oppenheimer

Bankruptcy, Business Organization, Casinos, Estate Planning, Gaming & Alcohol

Status: In Good Standing

CONTACT

222 East Witherspoon Street, Louisville, KY 40202

Natalie L. Kaelin

Administrative Law, Corporate, Collection, Construction

Status: In Good Standing

FREE CONSULTATION

CONTACT

11414 Main Street, Louisville, KY 40243

LaShea Borden

Collection, Consumer Bankruptcy, Credit & Debt, Estate Administration

Status: In Good Standing

CONTACT

1717 Alliant Avenue, Louisville, KY 40299

Julie Ann O'Bryan

Consumer Bankruptcy, Bankruptcy, Bankruptcy & Debt, Personal Injury

Status: In Good Standing

CONTACT

1717 Alliant Avenue, Louisville, KY 40299

Christy Jan Adams

Traffic, Estate, Divorce & Family Law, Bankruptcy

Status: In Good Standing

CONTACT

200 South Buckman St., Shepherdsville, KY 40165

Arlene Courtney Gray

Bankruptcy, Corporate, Collection, Consumer Bankruptcy, Employment

Status: In Good Standing

FREE CONSULTATION

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114 North 5th Street, Bardstown, KY 40004

Garret B. Hannegan

Uniform Commercial Code, Corporate, Workout, Bankruptcy

Status: In Good Standing Licensed: 36 Years

CONTACT

401 South 4Th Street, Louisville, KY 40202

Paul J. Krazeise

Bankruptcy, Reorganization, Tax

Status: In Good Standing Licensed: 41 Years

CONTACT

462 S 4Th St, Louisville, KY 40202

Micah C. Daniels

Immigration, Social Security -- Disability, Bankruptcy, Personal Injury

Status: In Good Standing Licensed: 19 Years

CONTACT

401 W Main St, Louisville, KY 40202

M. Thurman Senn

Litigation, Estate Planning, Banking & Finance, Credit & Debt, Bankruptcy

Status: In Good Standing

CONTACT

601 Main Street, Louisville, KY 40202

800-923-0641

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LEGAL TERMS

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

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).

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.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

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Louisville Bankruptcy & Debt Lawyer, Kentucky, page 2

Sponsored Law Firm

Obryan Law Offices

SPONSORED LAWYERS

Houston M. Oppenheimer

Natalie L. Kaelin

LaShea Borden

Julie Ann O'Bryan

Christy Jan Adams

Arlene Courtney Gray

Garret B. Hannegan

Paul J. Krazeise

Micah C. Daniels

M. Thurman Senn

TIPS

LEGAL TERMS

401(K) PLAN

REDEMPTION

CREDIT BUREAU

BANKRUPTCY TRUSTEE

FRATERNAL BENEFIT SOCIETY BENEFITS

LIEN

NO-FAULT INSURANCE

INTEREST

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

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