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If you're struggling with your finances, you have probably considered bankruptcy. Though it has many negative connotations, bankruptcy is an effective debt relief option for individuals with insurmountable debt. Depending on your income and circumstances, your situation may require either a Chapter 7 or Chapter 13 Bankruptcy plan.

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy, also known as liquidation bankruptcy, is utilized by those with lower incomes because it eliminates the need to actually pay back your debts over time. Instead, you will sell your nonexempt assets to pay back any outstanding medical or credit card debt.

Chapter 13 Bankruptcy

On the other hand, Chapter 13 Bankruptcy is used by those who will be able to slowly pay back their debts through regular, consistent payments. Often referred to as reorganization bankruptcy, Chapter 13 allows those in debt to use their disposable income to begin eliminating any outstanding debt. This provides many people with the opportunity to work efficiently toward a debt-free future.

Debt Consolidation

Unlike bankruptcy, debt consolidation is a different way to manage your debt. Rather than liquidating or reorganizing your debt to eliminate it, you can consolidate multiple loans or debts into one solitary loan. This helps eliminate multiple fees and can save you money. We can help guide you through this process.


Bringing a new member of the family into the picture is a long and often complex process. There are multiple legal hoops you must jump through to actually achieve the growing family that you lovingly long for. We will be there for you from start to finish to help the proceedings go as smoothly and efficiently as possible.


Finalizing your divorce requires a lot of care and attention from both spouses and their respective attorneys. If you're striving for an easy transition, an uncontested divorce may be the best option. Schedule a meeting at our office in Florence, Kentucky today. We proudly serve Covington, Ft. Mitchell, Ft. Wright, Burlington, and everywhere in between.