Yes, a credit card company can garnish your Kentucky wages, but only after it sues you and wins a court judgment. Once that happens, Kentucky law caps the amount at
Yes, a Kentucky bank account can be frozen before you receive any warning. Once a creditor holds a court judgment against you, the law lets them serve the freeze order
A specific group of creditors can start taking money from your paycheck before you ever see a lawsuit, and Kentucky and Indiana law treats each one differently: The IRS, for
Yes, a lawyer can stop a garnishment, and in most cases the money stops coming out of your paycheck within days rather than months. At O’Bryan Law Offices, our team
No, a debt consolidation agreement does not itself stop an existing wage garnishment. Once a garnishment order is in place, the order remains effective unless the judgment is satisfied or
Social Security can be garnished, but only for federal debts, and never by an ordinary creditor holding a court judgment. Everything else, including credit cards, medical bills, payday loans, personal
Yes, you can still file Chapter 7 after buying a car, because a recent purchase does not disqualify you from filing in Kentucky. At O’Bryan Law Offices, we look at
From our experience at O’Bryan Law Offices, Freedom Debt Relief is a real, licensed company, but “legitimate” and “right for your situation” are two very different things. We’ve spent more
Filing bankruptcy in Kentucky does not automatically mean you will lose your car. Whether you keep your vehicle depends on how much equity you have in it, which exemption scheme
Yes, most people who file Chapter 7 in Kentucky keep their car, because a vehicle is only at risk when you hold more equity in it than state or federal
You can rebuild your credit after a repossession in Kentucky, and for many people, recovery happens faster than they expect. The steps below are practical and achievable, whether your repo
A repossession in Kentucky can seriously hurt your credit, dropping your score by 100 points or more and leaving a derogatory mark on your credit report for up to seven
A repossession stays on your credit report for seven years from the date of your first missed payment, not the date the vehicle was taken. That clock starts the moment
Credit repair can remove a repossession from your Kentucky credit report only if that entry contains verifiable errors. If the information is accurate, no credit repair company or dispute process
If your car was never repossessed after Chapter 13 in Kentucky, you are still the titled owner, and the lender’s lien remains on the title. Your discharge ended the debt,
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