Debt Relief Through Bankruptcy in Kentucky

Millions of Americans continue to struggle with their finances, causing them to fall behind on their bills and mortgages due to a variety of circumstances. These struggles might stem from unexpected medical bills, job loss or other unfortunate events. The stress, worry and need for financial relief are on the minds of everyone in the midst of financial difficulties every day.

There is hope, however, and real debt relief could be just a phone call away!

Minnillo & Jenkins: Providing Real Debt Relief Through Bankruptcy

At Minnillo & Jenkins, CO. LPA, our attorneys are proud to offer real debt relief to residents of both Kentucky and Ohio. PJ Minnillo is licensed to practice bankruptcy law in Kentucky, and our offices are conveniently located just minutes from the border.

We realize you might be considering several options as you work to improve your financial situation. For many people, filing for bankruptcy is the best solution. Our team is happy to discuss your specific needs and help you determine if a Chapter 7 or Chapter 13 bankruptcy is appropriate for you.

Put an End to Collection Efforts

Bankruptcy provides many benefits to debtors looking for a fresh financial start. One of the biggest concerns our clients have is trying to put an end to the endless, possibly harassing calls from creditors. Our firm can help you put an immediate end to all collections efforts — an automatic stay goes into effect as soon as you file for bankruptcy in Kentucky. This automatic stay prevents creditors from contacting you in any way, and creditors can be harshly penalized should they make any attempt to do so.

Protecting the Property of Kentucky Residents

Another big concern revolves around protecting valuable property such as a home, property of sentimental value, a vehicle and more. For most people, however, this shouldn't be a concern at all. Many people go through the bankruptcy process without having to liquidate any of their personal assets. This is because Kentucky and federal bankruptcy laws allow debtors to "exempt" certain property, meaning it is off limits to their creditors. Specific exemptions can help protect:

  • Your home
  • Your car
  • Jewelry
  • Home furnishings and clothing
  • Insurance policies
  • Retirement assets
  • Other items up to a certain value

The Kentucky and federal exemptions levels differ, so it is important to have an experienced bankruptcy lawyer on your side who can help you determine how you should file.

Contact a Kentucky Chapter 7 or Chapter 13 Bankruptcy Lawyer

We invite you to contact our law office today to learn more about our debt relief services. Please contact our bankruptcy office online and set up an initial consultation with PJ Minnillo. We look forward to helping you achieve your financial goals.

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