PLEASE NOTE: Our Office remains open during this coronavirus pandemic. Additionally, because of our deep concern for the safety of our clients and staff we now offer FREE VIDEO or TELEPHONE consultations for people so they can understand their financial options from the comfort of their own home.
O'Bryan Law Offices
O'Bryan Law Offices

Call now for a FREE consultation!

Family-Owned Bankruptcy Law Firm

Chapter 13: How We Help You


  1. Home
  2.  » 
  3. Bankruptcy Basics
  4.  » 
  5. Types of Bankruptcy
  6.  » Chapter 13: How We Help You

A Tailored Strategy To Navigate Chapter 13 Bankruptcy

When you have significant assets or own a small business but have accumulated insurmountable debt, Chapter 13 bankruptcy may provide the relief you need.

O'Bryan Law Offices has assisted the individuals and families of Kentuckiana for the past 30 years, with our lawyers bringing a combined 50 years of service to the firm. As a family-based law firm, we utilize a collaborative, team-oriented approach. Our attorneys will guide you through the process of considering, filing for and moving forward from Chapter 13 bankruptcy.

Evaluating Your Full Financial Picture

Chapter 13 bankruptcy allows you to restructure your debt by repaying certain debts over a three- to five-year period. Our lawyers will discuss whether Chapter 13 is right for you, including by evaluating:

  • Your income and cash flow
  • The makeup of your debt load, including both secured and unsecured debts
  • Any significant assets you wish to protect, including your home, car and more
  • Your ability to repay debt while financially recovering

The main benefits of Chapter 13 bankruptcy are allowing you to receive some much-needed breathing room by extending payment deadlines and reducing overall amounts owed, as well as allowing you to hold on to some of your valuable possessions. Because being able to remain financially afloat while repaying your debts is critical to this, we will analyze whether this is possible for you.

Filing Your Bankruptcy Petition With The Court

Once we file your petition with the appropriate Kentucky or Indiana court, creditors will be forced to stop harassing you. In the days and months that follow this bankruptcy petition, the court will require forms and documents to move your case forward. We will provide these on your behalf and assist in fulfilling any other requirements.

Helping You Make Progress

Throughout the three to five years of repaying your debts, we can provide guidance with any questions or concerns that arise. When you successfully complete your payments, we can assist if your credit report is inaccurate or if you need guidance on how to restore your credit to a healthy position.

Learn How We Can Assist With Your Debt

We provide the one-on-one guidance you need. Schedule a free initial consultation at one of our offices to learn whether filing for Chapter 13 bankruptcy could be right for you. We have offices in Louisville, Frankfort and New Albany. Call us at 502-400-4020 or contact us online.

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