Serving Louisville, KY
Louisville bankruptcy and debt-relief firm representing Chapter 7, Chapter 13, foreclosure-defense, and creditor-harassment cases since 2007 — free initial consultation, transparent flat-fee pricing on most filings, and the procedural urgency to stop garnishments and foreclosure within days of retention.
Louisville bankruptcy and debt-relief firm representing Chapter 7, Chapter 13, foreclosure-defense, and creditor-harassment cases since 2007. Free initial consultation, transparent flat-fee pricing on most filings, and the procedural urgency to stop garnishments and foreclosure within days of retention.
By the Numbers
Years in Louisville
Cases Filed
Avvo + BBB A+
Initial Consultation
Garnishments + Foreclosures
Live Demo · No Signup
Speak with our AI Intake Specialist right now.
Hear exactly what your customers will hear when they call. The same real-time AI conversation that runs 24/7 on every Fast Digital Marketing Smart Site + Voice subscription.
Mic permission required · Free, no signup, ~3 min average
The Reality
If you're considering this call, you're already living this.
These are the situations we help Louisville customers solve every week.
- →Your wages are being garnished and your next paycheck is barely going to cover rent
- →You received a foreclosure notice and the sale date is in 30 days
- →A credit-card lawsuit just landed on your court calendar and you don't know what to do
- →Your medical debt is over $40,000 from a single hospitalization and there's no realistic way to pay it off
- →You've been answering creditor calls for two years and the calls have started coming to your job
Our Services
What we handle.
Service · 01
Chapter 7 Bankruptcy
Liquidation bankruptcy for clients who qualify (means-test eligibility based on Kentucky median household income). Discharges most unsecured debt — credit cards, medical bills, personal loans, deficiency balances on repossessed vehicles. Typical timeline: 4–6 months from filing to discharge. Flat-fee pricing for most cases.
Service · 02
Chapter 13 Repayment Plans
Reorganization bankruptcy for clients with regular income who don't qualify for Chapter 7 or who want to keep secured assets through structured repayment. 3–5 year repayment plan, partial discharge of remaining unsecured debt at completion. Often the right fit for clients facing foreclosure who want to keep the home.
Service · 03
Foreclosure Defense
Foreclosure defense including challenges to standing, robo-signed documents, RESPA violations, and HOEPA violations. Pairs with Chapter 13 filing for clients who want to keep the home and catch up arrears through the plan. Time-sensitive — call as soon as you receive a foreclosure notice or 90-day pre-foreclosure demand.
Service · 04
Creditor Harassment & Wage Garnishment Defense
FDCPA violations (Fair Debt Collection Practices Act), TCPA robocall violations, garnishment release motions, and creditor-lawsuit defense. We can stop wage garnishments inside days of retention through bankruptcy filing or direct negotiation. We document every harassment call for FDCPA counter-claims when applicable.
The Difference
Why Louisville and Southern Indiana pick Cornerstone.
Stop the Clock Immediately
Bankruptcy filing creates an automatic stay — every garnishment, foreclosure, repossession, and lawsuit stops the moment we file. We can file emergency cases inside 24–48 hours when garnishment is imminent. The first call you make should be to us, not the next one to your bank.
Transparent Flat-Fee Pricing
Chapter 7 flat fee covers attorney work from filing through discharge. Chapter 13 flat fee covers attorney work through plan confirmation; trustee fee paid through plan. No surprise hourly billing on standard cases. Court filing fee separate ($338 Chapter 7, $313 Chapter 13). All disclosed at consultation.
Free Initial Consultation
Free 45-minute initial consultation in person at our office, by phone, or by video. We review your financial picture, explain Chapter 7 vs Chapter 13 vs non-bankruptcy options honestly, and tell you whether bankruptcy is even the right answer. Most consultations end with a clear recommendation.
Honest About Non-Bankruptcy Options
Some clients are better served by debt negotiation, Kentucky homestead-exemption planning without bankruptcy, or simply waiting out a statute of limitations. We've recommended non-bankruptcy paths to about 20% of our consultation cases this year. We'd rather lose the engagement than file an unnecessary bankruptcy.
Common Questions
You probably want to know.
How much does bankruptcy cost?+
Chapter 7 flat fee: $1,400–$1,850 plus $338 court filing fee. Chapter 13 flat fee: $4,500 plus $313 court filing fee (most attorney fees paid through the plan, not up-front). Foreclosure-defense and creditor-harassment hourly with retainer (typically $1,500–$3,500). Free initial consultation.
Will I lose my house and car?+
Usually no. Kentucky's homestead exemption protects a substantial portion of home equity, and the federal motor-vehicle exemption protects most vehicles. Chapter 13 specifically protects against foreclosure and repossession through structured repayment. We tell you exactly what's at risk at the consultation.
How long does it stay on my credit?+
Chapter 7: 10 years on credit report. Chapter 13: 7 years. But practically, most clients see credit scores recover faster than expected — typically rebuilding to 650+ inside 18–24 months post-discharge with normal credit-rebuilding habits. The discharge itself often improves credit because debt-to-income ratios drop dramatically.
Can you stop a garnishment this week?+
Yes. Bankruptcy filing creates an automatic stay that stops garnishment immediately. We can file emergency cases inside 24–48 hours of retention when garnishment is imminent. The garnishment funds in your most recent paycheck are sometimes recoverable in the bankruptcy estate too.
Is bankruptcy the only option?+
No. For some clients, debt negotiation, Kentucky homestead-exemption planning, or simply waiting out the statute of limitations is a better path. We're honest at the consultation about which option fits. About 20% of our consultations end with a non-bankruptcy recommendation.
Get a free consultation. Stop the clock today.
Free 45-minute initial consultation by phone, video, or in person. Honest assessment of bankruptcy vs non-bankruptcy options, transparent flat-fee pricing if filing makes sense, and emergency-filing capability inside 24–48 hours when garnishment is imminent.
📞 (502) 555-0167Visit Us
Louisville, KY
Cornerstone Debt Relief
401 W Main St, Suite 1900
Louisville, KY 40202
Phone
(502) 555-0167Service Area
Louisville · Jeffersontown · St. Matthews · Fern Creek · Shively · Greater Louisville Metro · Southern Indiana