Chapter 13 Bankruptcy Lawyer in Central Kentucky


Chapter 13 bankruptcy is the chapter that allows debtors to restructure their debts into one smaller monthly payment that will last from three to five years. At the end of the payment period, the remaining debts are discharged.

Chapter 13 bankruptcy is used for debtors who want to prevent a foreclosure, pay back taxes, stop interest from accruing, or keep valuable non-exempt property. In many cases, Chapter 13 bankruptcy is used for debtors who wish to keep their secured assets. If you want to make up your overdue payments, schedule a free case evaluation with our Bowling Green bankruptcy lawyer.


Before you file for bankruptcy, you will have to go through credit counseling with an agency that is approved by the United States Trustee. In order to file for Chapter 13 bankruptcy in Kentucky, you must prove that you have a regular source of income and disposable income. After paying the filing fee, you will need to fill out the paperwork and discuss information regarding your debts. The Chapter 13 plan will require you to pay specific debts in full, which are called "priority debts." Your plan must also include regular payments on secured debts to show that your income is going toward the repayment of these debts.

After you complete the Chapter 13 bankruptcy debt repayment plan, your eligible remaining debts can be discharged. Before you can receive a discharge, you will need to show that you are current on your divorce order payment obligations. This chapter of the bankruptcy code allows debtors to eliminate their heavy debt burden while slowly paying it back and keeping nonexempt assets. If you are in need of legal counsel regarding your bankruptcy case, contact the Law Offices of Dwight Burton, PLLC today to discuss your case with our Bowling Green attorney.