Only qualified Lexington bankruptcy lawyers can advise you on consumer debt consolidation and bankruptcy protection.

If you are worried about losing your home, call on the qualified Lexington bankruptcy lawyers from Macey & Aleman. Macey & Aleman Lexington bankruptcy lawyers can analyze your financial situation and explain your options. Let our Lexington bankruptcy lawyers determine if you need to file and if so, whether Chapter 7 and 13 would be best.

Find out if you should consider either Chapter 13 or Chapter 7 by filling out our Free Legal Evaluation Form

Contact the Lexington bankruptcy lawyers to discuss your Chapter 7 and Chapter 13 bankruptcy options

While Chapter 7 and Chapter 13 may be alike in some ways, they are also very different. In both, you file a Voluntary Petition and related documents prepared with the help of one of our bankruptcy lawyers. In both, you attend a 341 meeting of creditors where you are questioned by a Trustee about your documents. But this is where the similarities end and why you need one of our experienced Kentucky bankruptcy lawyers.

If your income is low and you have a great deal of unsecured credit card or medical debt, a Chapter 7 bankruptcy is probably the right protection for you. In a Chapter 7 bankruptcy you do not make payments to the Trustee and you may continue to pay a mortgage or car loan and keep the house or car by signing a "reaffirmation agreement" which makes it as though you did not file bankruptcy on that particular loan.

With a Chapter 13 bankruptcy, you repay your debts through an agreed upon plan -- you make payments to the Trustee with the first payment due 30 days after your case is filed. In addition to a Voluntary Petition and related documents, you also file a Chapter 13 repayment plan. In this plan, you propose to repay your debts by making between thirty and sixty monthly payments to the Trustee.

Macey & Aleman - the nation's largest and most sophisticated consumer bankruptcy practice.

We have helped over 40,000 clients discharge over $500,000,000 in debt. With our state-of-the-art computer system and experienced attorneys, we are able to offer our aggressive representation at low, flat fees. In addition, we offer several flexible payment options to meet the individual needs of our clients.