Debt Relief Services
Focused Solely on Bankruptcy, Tailored to You
We specialize in Chapter 7 and Chapter 13 bankruptcy and we’re here to help you choose the right path.
Bankruptcy isn’t just something we do: it’s all we do. At Atkinson, Simms & Kermode, we’ve helped thousands of Kentuckians file Chapter 7 or Chapter 13 bankruptcy to stop creditor harassment, protect their assets and reset their financial future. We’ll walk you through the entire process, answer all your questions, and help you understand which option is best for your unique situation.
Chapter 7 Bankruptcy
Also known as “liquidation bankruptcy,” Chapter 7 allows you to discharge many types of unsecured debt, like credit cards and medical bills. It’s often the fastest and most affordable way to get a fresh start.
Chapter 7 Bankruptcy
Contact us today for a free consultation and begin your path to financial recovery. Call (859) 225-1745 or schedule online now.
Schedule a Consultation
Chapter 7
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How to Qualify
- You must meet income requirements
- You must complete credit counseling
- You can't have filed recently
What it Helps with:
- Credit card debt
- Medical bills
- Wage garnishment
- Collection calls
- Lawsuits or judgements
Many clients keep their home, car, and personal belongings.
Process Overview:
- Free consultation
- Credit counseling
- Filing with the court
- Meeting of creditors (via Zoom)
- Discharge in 3–6 months
File Chapter 7 bankruptcy for $0 down and get the relief you need. We are available NOW!
Chapter 13 Bankruptcy
Chapter 13 allows you to reorganize and repay some of your debt over 3–5 years. It’s ideal for those behind on mortgage payments, taxes, or who don’t qualify for Chapter 7.
Chapter 13 Bankruptcy
Contact us today for a free consultation and begin your path to financial recovery. Call (859) 225-1745 or schedule online now.
Schedule a Consultation
Chapter 13
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You may want to file for Chapter 13 if:
- You have a steady income
- You’re behind on mortgage or car payments
- You have significant tax debt or non-dischargeable debt
How it Works:
- Propose a repayment plan to the court
- Catch up on secured debt (like your home)
- Discharge remaining eligible debt at the end
Benefits:
- Stop foreclosure or repossession
- Catch up without losing your home
- Include IRS or student loan payments