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Farmer & Wright, PLLC

In Farmer & Wright LLC is a law firm, we help individuals who are suffering from financial, emotional and physical stress. We provide legal assistance in the areas of bankruptcy law (Chapter 7 & Chapter 13), personal injury & car accident cases, as well as Social Security Disability law.

Important Things To Do During A Car Accident. An accident is an unplanned event that causes inconvenient and undesirable consequences.

Important Things To Do During A Car Accident

It happens in the most unexpected time and place. These unforeseen events usually cause devastating injuries, harm, and risks to the victims. One of the most common types of accidents is road traffic accidents or car collisions. It involves one or more vehicles in motion that hit a person, an object, or another vehicle. There are several causes of car accidents, such as distracted driving (texting while driving), driving under the influence of alcohol (or dangerous drugs), overspeeding, reckless driving, defective vehicle, and adverse weather conditions. Car accident laws may vary from state to state. When you are involved in a vehicle accident, you have to stop, move out of the car, and check for any damage. It is important to take the contact information of all the persons involved in the accident most especially the potential witnesses. Kentucky is considered a “no-fault” insurance state.

Personal Injury Lawyer Louisville. Kentucky Car Accident Injury in Bad Weather: Who is Responsible? - Farmer & Wright, PLLC. Car accidents happen every day in Kentucky, regardless of the weather.

Kentucky Car Accident Injury in Bad Weather: Who is Responsible? - Farmer & Wright, PLLC

However, with winter approaching, the concern of car accidents due to bad weather increases. Traffic is difficult enough to deal with in perfect conditions. When you add fog, rain, sleet, snow, or freezing rain, you create conditions that are perfect for a car accident. Unfortunately, insurance companies use bad weather as an excuse to deny valid car accident claims. Our Kentucky car accident attorney understands this tactic and how to fight the insurance company to recover the benefits our clients deserve under the state’s personal injury laws. Paducah Chapter 13 Bankruptcy Attorney. Bankruptcy Attorneys Paducah. Can Bankruptcy Stop Foreclosure. Can bankruptcy stop foreclosure?

Can Bankruptcy Stop Foreclosure

The short answer is yes, but only temporarily. Kentucky Chapter 13 Bankruptcy Lawyer. Do You Need An Attorney To File For Social Security Disability? Do social security disability applicants need an attorney when filing a claim?

Do You Need An Attorney To File For Social Security Disability?

If you’re just completing your initial application for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits, then you probably don’t need one. However, if your disability application has been denied or if you are to stand before a hearing, having a legal representative by your side offers you several advantages.

The disability claim process is straightforward. You can apply for SSD or SSI benefits or SSI by visiting the Social Security Administration’s (SSA’s) website or calling the agency. You will need to provide certain information about your long-term disability or medical condition to help verify your claim. The SSA manages the SSDI and SSI insurance programs that were created to provide financial help to individuals who have been unable to work for some time or suffered a short-term disability and cannot support themselves. Qualified Disabilities. Kentucky Car Accident Lawyer. Medical Bills Discharged In Bankruptcy - Farmer & Wright. With healthcare costs skyrocketing, it’s no surprise that more than 60% of petitioners filing for bankruptcy have a significant amount owed in medical debt.

Medical Bills Discharged In Bankruptcy - Farmer & Wright

If you’re wondering whether you can discharge medical bills in bankruptcy, the answer is yes. However, different types of bankruptcy require you to either give up valuable property or follow a debt repayment plan for some time. This article explains the difference between types of consumer debts and discusses what filing bankruptcy for Chapter 7 or Chapter 13 entails for your financial future. Types of Debts Consumer debt is classified into secured debt and unsecured debt.

File Bankruptcy With Student Loans - Farmer & Wright, PLLC. Declaring bankruptcy can discharge the majority of consumer debt, except for a handful of debts such as alimony, child support, fraudulent debt, tax obligations, and student loans.

File Bankruptcy With Student Loans - Farmer & Wright, PLLC

Filing for bankruptcy with student loans is difficult, but not impossible for debtors in exceptional circumstances. Which situations allow student loans to be discharged? If your primary objective in filing bankruptcy is to get your student loans discharged, know that this is an unlikely outcome. Consulting with a local attorney who is familiar with bankruptcy law can help determine your chance of success. Truck Accident Lawyer Kentucky.

Paducah Personal Injury Attorneys. Can You File Bankruptcy On Medical Bills? Without warning, an injury or sickness can leave you out of work and struggling to pay the bills.

Can You File Bankruptcy On Medical Bills?

Even worse, mounting medical expenses can quickly cause your finances to spiral out of control. Chapter 7 Bankruptcy Attorney KY. No-Asset Bankruptcy (Chapter 7) - Farmer & Wright, PLLC. Should I file for bankruptcy if I have no assets?

No-Asset Bankruptcy (Chapter 7) - Farmer & Wright, PLLC

The bankruptcy code provides different types of bankruptcy, so if you’re considering bankruptcy, you should know which kind to file. If you want to declare personal bankruptcy, you should figure out the distinction between Chapter 7 and Chapter 13 to determine the right bankruptcy chapter to file under. Chapter 7 is a shorter bankruptcy process focused on liquidation of the debtor’s non-exempt assets to generate funds that will be used to pay back his or her creditors. Bankruptcy proceedings for Chapter 13, on the other hand, take three to five years of debt reorganization wherein the filer religiously follows a payment plan in order to achieve bankruptcy discharge. Since Chapter 7 is about liquidating assets, it’s preferred by debtors with few to no assets at all. Can You File Bankruptcy On Student Loans? Can you file bankruptcy on student loans?

Can You File Bankruptcy On Student Loans?

While you can, it’s typically very difficult to discharge student loan debt. However, if you can prove that trying to pay back your student loans would cause you undue hardship, you may be able to qualify. What Is the Undue Hardship Exception? Courts rarely grant a discharge in student loan cases unless there are special circumstances. One of these is if your student loans would create an undue hardship on you. How Do Courts Determine Undue Hardship? The courts may use various tests to determine whether you qualify for a student loan discharge. The Brunner Test. What Happens When You File Bankruptcy? Contrary to popular myth, bankruptcy is not a sign of failure.

What Happens When You File Bankruptcy?

Nor does it irreparably damage your credit. For many hardworking Americans, bankruptcy can simply provide a way to get out from under crushing debt caused by illness, job loss, and other unexpected life emergencies. And it can also give you a fresh financial start. Paducah Bankruptcy Lawyer. How Often Can You File Bankruptcy. If you’ve filed bankruptcy in the past, can you file again? How often can you file bankruptcy? The answer depends on a variety of factors. How Long Does Bankruptcy Chapter 7 Take. If you are considering bankruptcy, you’re probably already aware of the benefits of Chapter 7 — one of them being the relative speed at which you can discharge your debt. But how long does bankruptcy Chapter 7 take? And what can you do to ensure that you don’t delay the process? A bankruptcy lawyer at Farmer & Wright PLLC can help you avoid mistakes that could hold up your case. Contact us today to learn more.

BANKRUPTCY ATTORNEY PADUCAH. Non-Dischargeable Debt In Bankruptcy - Bankruptcy Attorneys. When debtors file for Chapter 7 or Chapter 13 bankruptcy, the primary goal is to get their debts discharged. As soon as the bankruptcy court discharges debts in a bankruptcy case, the filer is no longer to be held liable for them. Most consumer debts like credit card debt and medical bills can be discharged. However, there are certain debts that are inherently non-dischargeable.

This means that these cannot be wiped out by the bankruptcy process. This non-dischargeable debt has been decided by Congress citing reasons of public policy. Categories of Non-Dischargeable Debt There are categories of non-dischargeable debt under which obligations may be taken into account. Dischargeable Debts in Extraordinary Circumstances There are exemptions to discharge debts under extraordinary circumstances provided that you have proof to back them up since, as a rule, they are non-dischargeable.

Debts not Dischargeable if the Creditor Objects Denial of a Debtor’s Discharge. Appeal A Disability Claim Denied By Your Employer - Kentucky Disability Lawyers. If you are suffering from long-term illness or injury, you may receive social security disability insurance benefits (SSDI) or supplemental security income (SSI) if you match the eligibility criteria and filed an insurance claim. However, if your disability claim has been denied, it can be financially devastating, especially if your medical condition renders you unable to work.

This is why knowing how to appeal can be an important resource for people with disabilities. The following sections will provide relevant information about state disability programs: who are eligible for benefits, disability insurance application process, and appeals for reconsideration. Information about Disability Insurance Benefits and Eligibility Under the SSA’s policy, a disabled person is someone with a long-term disability, either a physical or medical condition, that renders him unable to engage in the substantial gainful activity or to work in any capacity. Kentucky Bankruptcy Attorneys. Paducah Business Bankruptcy Lawyer. There are two options when seeking business bankruptcy protection. When a company is going out of business, they sometimes have creditors that still have to be paid for their business loans.

In those situations, the business might want to consider filing a Chapter 7 Bankruptcy. While Chapter 7 can help businesses looking to close, it does not help businesses who are having debt issues and want to stay open. In those situations, Chapter 11 Bankruptcy will be their best option.