| There is a bankruptcy court for every judicial district in | | | | opening your phone book. This is actually a successful |
| the United States, totaling ninety. Each state has one | | | | place to begin so that you can familiarize yourself with |
| or more, Kentucky has two. The Eastern district is | | | | the attorney choice in your area. By using the yellow |
| located in Lexington, Kentucky and the Western district | | | | pages of your phone book you can find several |
| is located in Louisville, Kentucky. | | | | attorney listings and begin to narrow them down by |
| Each state offers varying bankruptcy requirements | | | | their individual specializations. There should be a |
| and laws, but the overall process is similar. When filing | | | | heading for bankruptcy attorneys in your phonebook. |
| bankruptcy in Kentucky, all property of the debtor | | | | You can contact the attorneys that are closest to |
| goes towards the payment to the creditors. There are | | | | your location or choose those attorneys advertising |
| specific areas of property that are excluded or | | | | free consultations. |
| exempt. These assets are divided into nine categories. | | | | Another helpful tool in finding an attorney is by |
| Asset Categories | | | | searching online. By searching online you are able to |
| · Homestead- house and land | | | | find a bankruptcy lawyer for thirty-five cities in |
| · Insurance- health policies | | | | Kentucky, from Ashland to Winchester. You can pull |
| · Miscellaneous- alimony, child support, etc. | | | | up attorneys by state, city and law specifications. It's |
| · Pensions- firefighter and police officer | | | | very similar to using the yellow pages but often allows |
| pensions | | | | more detailed information on the attorney and their |
| · Personal property- jewelry, burial plot, vehicle, | | | | practice. Once you have found a list of attorneys you |
| etc. | | | | will want to research about their qualifications and the |
| · Public benefits- Unemployment and Disability | | | | area of law in which they specialize. You want to find |
| · Tools of the trade- depending on profession | | | | out how experienced they happen to be concerning |
| items could include, tools, equipment and office | | | | bankruptcy cases and so on. You can contact these |
| furnishings | | | | lawyers by phone or email to set up a free |
| · Wages- up to 75% | | | | consultation where your specific financial situation will |
| · Wildcard- $1,000 in any other property | | | | be reviewed. |
| You will fill out a legal financial evaluation where your | | | | Speak to each attorney and try to meet with him or |
| credit report, income, assets and debts are reviewed. If | | | | her face to face. You need to know if this attorney is |
| eligible for bankruptcy, your attorney will provide you | | | | considerate about your financial concerns and whether |
| with bankruptcy chapter details and the process for | | | | or not you are comfortable when discussing your |
| bankruptcy. If you find that bankruptcy is in fact the | | | | bankruptcy concerns and decisions about your case. |
| most suitable option for finding debt relief you can | | | | When you begin to choose your attorney is sure that |
| begin the process. The main process of bankruptcy is | | | | you are entirely confident that the attorney can |
| administrative and carried mostly outside of the court. | | | | represent you in the way you see fit. Fees and prices |
| Talking to a Kentucky bankruptcy lawyer can begin | | | | are important but not nearly as important as how |
| your bankruptcy process and lead you towards | | | | comfortable you are with your bankruptcy attorney |
| financial freedom. | | | | choice. |
| Finding a bankruptcy attorney can be as easy as | | | | |