Schwartz Richard A
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Schwartz Richard A
If you're behind in payments and have mounting debt, then you're facing one of the most difficult challenges a person can face. From harassing phone calls from creditors and collections agencies to the threat of losing your car to repossession or home to foreclosure, the stress can leave you feeling overwhelmed and in search of debt relief options.

At the law office of Schwartz Bankruptcy Law Center, we can help you take your life back from debt. We are committed to offering debt relief options that are in your best interests and designed to give you peace of mind. Our attorneys have over 35 years of combined legal experience and know how to handle bankruptcy filings. We will help you and your family get through the legal process, from beginning to end, with confidence.

Whether your financial burden was created by a life-changing event like divorce, job loss or a medical condition, we understand that all you want is to be able to catch up on your bills and begin rebuilding your life. With the help of our knowledgeable and experienced lawyers, you can take the necessary steps to get back on your feet and move on with your life.
Services
At Schwartz Bankruptcy Law Center, the bankruptcy division of Kruger & Schwartz, helping individuals and families in Kentucky and Indiana face their financial challenges and find resolutions is what we do best.
We understand that you're feeling stressed about the size of your debt obligation and frustrated by your own limited understanding of the law.
At our law firm, you're not just another number - you're a person in need of a fresh start, and the attorneys at our firm are here to help you get it.
For most Americans, debt is simply a part of life.
Debt is accumulated going to school, buying a car, buying a home, using a credit card, getting medical care and more.
Very few people manage to avoid debt altogether.
Most are lucky to just keep it under control.
Unfortunately, keeping it under control is not easy, especially with high interest rates and late fees.
Many hardworking people find that despite every effort, their debt has spiraled out of control.
Soon they are faced with creditor harassment, foreclosure threats, car repossession threats, wage garnishment threats and more.
For some people, crippling debt comes on suddenly such as after the loss of a job or because of a catastrophic illness.
For others, debt can happen at such a gradual rate, the individual is not aware that he or she is in over their head until they take a deeper look at their finances.
Wherever you're at in the debt management process, the lawyers at Schwartz Bankruptcy Law Center can help.
We have more than over 35 years of experience helping clients all over Kentucky and in southern Indiana take the proactive steps necessary to stop wage garnishment and protect their vehicle from repossession by filing for bankruptcy.
For many people, bankruptcy is no longer the last possible option for dealing with debt.
Many people view bankruptcy as a proactive way to get a handle on debt and begin living again with a clean slate.
Many of the people we help are homeowners with jobs who were simply hit by some difficult financial setback such as a divorce or medical emergency.
At Schwartz Bankruptcy Law Center, we offer Chapter 7 bankruptcy assistance to clients who are trying to be proactive, as well as those who are feeling overwhelmed and simply need someone to show them a way out from under their debt.
A Chapter 13 bankruptcy is often referred to as a reorganization bankruptcy or a wage earner plan due to the fact that it takes your debts and reorganizes them into a repayment plan that will last three to five years.
During that time period you will make payments to the bankruptcy trustee who will make payments to your creditors.
At Schwartz Bankruptcy Law Center, our lawyers understand that filing for Chapter 7 bankruptcy isn't for everyone.
We realize that some people would like to maintain their integrity by paying back their debts.
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