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Many events in our lives can dramatically change our financial security.  Medical expenses, job loss, and divorce are but a few of the causes for severe financial changes.  When the pressure of being unable to meet one's financial commitments, when debt collectors continue to harass, when it is time to stop creditors from calling and when it is time to finally say enough is enough, then bankruptcy may be the solution.  I take pride in assisting all of my clients personally as your Louisville, Kentucky bankruptcy attorney.  I am available for a free first legal consultation and guide you through the process before you decided to file for bankruptcy.  

Call my office at 502.638.2836 to set up a free first legal consultation or fill in the evaluation form.
If you are looking for legal help with personal injury, see our neighbors and good friends at Hughes & Coleman personal injury lawyer in Louisville.

Often times I hear clients discuss the difficulties in their lives.  Many times I hear of how the American dream of buying a home turned into the American nightmare.  Then, one day, something happened.  A job loss, illness, an unexpected expense that put you behind just a few dollars.

You tried to do the right thing, but the mortgage company didn’t want to hear about it.  That first month, you paid what you could. It wasn’t enough to make the full payment, but you wanted the mortgage company to know you were trying to live up to your end of the bargain.  What did they do? They hit you with a late fee and sucked your money into something called a “suspense account.” And then they demanded two full payments.

Meanwhile, your credit cards started getting backed up. After all, the choice was between the mortgage and credit card – it was pretty easy to decide who would get whatever money you had.  You called the credit card companies to let them know about the problem, and to ask for them to work with you. But what did they do?  They raised your interest rate, lowered your credit limit, tacked on late fees and finance charges, and threw you into collections!

Things went from bad to worse. Fast.

The increased interest rate made the payments unaffordable. After all, you were already just scraping by – how did they expect you to pay these bills and still feed your family?
Then the phone calls started coming. It felt like they were ganging up on you, calling one after the other. At home, at work. One of the creditors even started calling your family members trying to find you.

So you did what anyone would do – you stopped answering the phone. Every time it rang, you jumped a little bit and prayed for a miracle, maybe a huge raise at work or even a new job that would rescue you from the bills.  You were running out of options, and it felt like there was no way to get out of it.

The secret is that there is a real way — a legal, honorable way — to get out from under this crushing weight of overdue bills. For good.

The solution for lots of people in this situation is bankruptcy. Stop the foreclosure, keep the credit cards in check, and take a step back while you work on reorganizing your finances.

But everyone keeps telling you bankruptcy is the worst thing you could do.

NOT TRUE! In fact, bankruptcy gives you the chance to end your bill problems and re-build your life once and for all. Bankruptcy stops foreclosures, lawsuits, judgments and harassing collection letters at home and at work. Period.

Job loss, illness, divorce, wages that simply do not keep up with the ever-spiraling cost of living. These are just some of the reasons why so many honest, hard-working individuals and families in Louisville find themselves in financial distress.

Many people don’t realize that Chapter 7 or Chapter 13 may be a way to get a fresh financial start. But due to an incredible amount of false information, this may sound frightening. In fact, a lot of people walk around thinking that there’s no help for them, and no way out.

You need a lawyer who’s got the guts to tell you the truth about bankruptcy — and to let you know if it’s not right for you.

My name is Eric Craig, and I’ve put my heart and soul into helping people fight back against abusive debt collectors and the big banks that make you live your life in fear.

The fact is that most bankruptcy lawyers just want one thing, and that’s to get people to file for bankruptcy. It’s how they earn a living, after all. I do things a little differently. I know that bankruptcy isn’t the answer to every problem, which is why I’ll never try to shoehorn you into a bankruptcy filing unless it’s absolutely the right solution for you.
The bottom line is this: my job is to take care of my clients, to make sure that they get what they need, not what I need.
Is a Chapter 7 or Chapter 13 right for you? 

Then, when you're ready to end your bill problems and jump start your good credit, call my office at 502.638.2836. Set up a confidential, free, no-obligation case review.

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"I was very happy with the results and with how easy it was to talk with this team of professionals."

-Jon Donner