A debtor considering bankruptcy must bear in mind that a bankruptcy stays on his or her credit report for up to 10 years, which can potentially make it difficult to get future credit. A debtor should also keep in mind that some debts must still be paid even if he or she files for bankruptcy. Accordingly, it is essential to contact an experienced bankruptcy attorney before making potentially life-altering financial decisions.
We are a federally designated debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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If you are struggling to make ends meet, an experienced bankruptcy lawyer can help you find the debt relief you need. Arlene Gray, Attorney at Law, helps individuals file Chapter 7 and Chapter 13 bankruptcy petitions. Learn more about the debt relief that might be available for you by contacting the firm online or by calling 270-505-4243.
Read the information below to learn more about bankruptcy law. If you have questions about how Arlene Gray handles bankruptcy matters, feel free to visit our bankruptcy page.
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Arlene Gray, Attorney at Law, has more than 15 years of experience representing clients throughout Bardstown, Kentucky, and the surrounding cities in bankruptcy matters. If you are interested in scheduling your free consultation with an experienced lawyer, fill out the form online or call 270-505-4243.
Filing for Chapter 7 or Chapter 13 bankruptcy can offer you the debt relief you were looking for. Arlene Gray, Attorney at Law, works closely with clients to make sure they have the information they need to make informed decisions at every step of the process. Working with a lawyer can stop wage garnishment, foreclosure and creditor harassment.
Surviving the Emotional Effects of Bankruptcy
No matter what circumstances ultimately led to filing bankruptcy, both the practical and the emotional impact on the debtor will be enormous. Confronting the emotional and psychological issues surrounding bankruptcy and reaching an understanding and acceptance of the situation are essential to rebuilding and maintaining a successful financial life. The experienced bankruptcy attorneys at Arlene Gray, Attorney at Law in Bardstown, Kentucky, can guide a debtor through the complicated legal, financial and emotional maze of bankruptcy and steer him or her in the right direction for the future.
Filing bankruptcy can, without a doubt, stir up many negative emotions. The debtor's sense of self-worth is often closely tied to his or her financial circumstances. Loss of money can be experienced as a loss of identity, self-esteem and confidence. We live in a society in which image is seemingly bought through possessions. Money can be viewed as a powerful currency not only in a purely economic sense, but also in relationships and thus a real or perceived loss of interpersonal power can ensue when bankruptcy is filed.
Understanding these emotions can help disentangle the practical realities of money from the possibly destructive or limiting emotional response to bankruptcy.
At times of significant loss, people tend to feel that their entire foundation has been shaken and that their most fundamental sense of security has been disrupted. They question their trust in themselves, in others and in the world at large. Although it may be natural for many to bury these frightening emotions, bringing core insecurities to a conscious level can actually reduce fear and the feeling of being out-of-control, which enables individuals to start tackling their situations constructively. In addition, the counsel of a seasoned bankruptcy attorney at Arlene Gray, Attorney at Law in Bardstown, Kentucky, can see a debtor through the tough times and guide him or her to a brighter financial future.
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