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Helping Florence Consumers Find Relief Through Bankruptcy

Medical emergencies, job loss, market downturns and other sudden events can put individuals and businesses into levels of debt that can seem impossible to get out of. It is important to remember that you still have options, including filing for bankruptcy.

At Monohan & Monohan, we help Kentucky and Ohio individuals and small businesses file for both Chapter 7 and Chapter 13 bankruptcy, as well as explore other options for debt relief and loan modification.

Assisting Individuals With Chapter 7 Or Chapter 13 Bankruptcy

Most individuals who file for bankruptcy file for either Chapter 7 or Chapter 13 bankruptcy.

Chapter 7 bankruptcy is typically reserved for those under the state income cap and have high unsecured debt, like medical bills and credit card balances. This type of bankruptcy allows consumers to erase their unsecured debt in as little as 90 days. Alternately, Chapter 13 bankruptcy is for individuals whose monthly income is above the state allowance for Chapter 7. It is also applicable for those with debts, like homes and cars, they wish to keep. Under Chapter 13, your debts will be consolidated and you will be required to make a monthly payment over a 3-5 year period, depending on your circumstances.

Whether you are facing foreclosure, runaway credit card debt, unmanageable medical bills or difficult tax situations, we can help you determine the best options for your situation, which will depend on your income, assets and other factors.

Bankruptcy Alternatives

Bankruptcy is a good solution for many people, but it isn’t the only possible solution. We can help you identify loan modifications and other bankruptcy alternatives.

Get Help From A Full-Service, Reputable Law Firm

Our team has decades of experience helping individuals and businesses file for bankruptcy. As a full-service law firm, we have the skill in and out of the courtroom to protect your rights and find a solution that fits your goals.

To get started, schedule a free consultation with one of our attorneys. We offer appointments at flexible times to best serve your needs. Call our Florence office at 859-795-4243, or send us an email to schedule an appointment.

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