Bankruptcy

Many Kentuckians considering filing for bankruptcy make the mistake of believing there is only one type of bankruptcy filing.  There are different types of bankruptcy filing, and which is best for you depends on your financial condition; you should schedule a free consultation to review your case.

• Kentucky Chapter 7 Bankruptcy:  At the Rose Law Offices, we help homeowners, workers, and other clients file for Chapter 7 bankruptcy protection. Sometimes referred to as a "straight liquidation bankruptcy," Chapter 7 is the most common type of consumer bankruptcy due to its relative simplicity and cost. It has generally been the bankruptcy used by those with no assets. Bankruptcy is a powerful tool for managing debt. It gives people a fresh start. Some examples of dischargeable debts include: Credit Card Debt, Medical Bills, and Unsecured Loans.

• Kentucky Chapter 13 Bankruptcy:  This type of bankruptcy is commonly referred to as "wage earner" bankruptcy because it is intended for people who have a steady source of income, but need some help to bring their finances under control:

  • Pay past-due mortgage debts over time to prevent foreclosure; you can keep your property even if you are not current on payments. The delinquent payments are caught up through a repayment plan.
• Stop collection efforts 
• Prevent new debt collection actions from starting

• Under new laws, individuals have to file under Chapter 13 if their income and asset levels are above a certain level.  We work hard on ensuring that the repayment plan is affordable based on those income and asset levels. Also, in both a Chapter 7 Bankruptcy and  Chapter 13 Bankruptcy, there is a process for keeping your house and car.

Business General Counsel:

Kentucky Small Business Owners can’t waste time looking for a business attorney every time a legal matter arises. The Rose Law Offices represents numerous small businesses from corporate formation through document drafting and review.

• Few business law attorneys have the hands-on, practical experience of running a business that Rose Law Offices can offer. In addition to operating a law practice in Lexington, Kentucky, Jill Rose is president of a large car dealership in Ashland. She understands the legalities facing our commercial clients because we confront many of the same issues on a daily basis.

Contracts and Collections for Businesses:

When a contract goes wrong and you are not getting what you bargained for, we can do the talking for you.  When your demands for payment have gone unanswered or you are being sued over a contract, contact the Rose Law Offices to represent you. Hiring an attorney sends the message that you are serious about enforcing your rights.  We take litigation seriously, setting deadlines for payment, handling negotiation, and filing lawsuits on your behalf.

We take care of contract disputes involving breach of contract and other issues such as violations of a non-compete agreement, failure to deliver goods or services, or failure to pay for goods or services provided.

• The Rose Law Offices provides competent and efficient legal services for collection on business receivables.  We represent businesses ranging from sole proprietorships to international companies. Our staff is trained to expedite the collection process through standardized collection letters and legal pleadings. We have an internal tracking system that allows collection matters to proceed quickly and efficiently. Further, we provide regular updates to our clients, including but not limited to the prospects for a quick recovery. Once Judgment is obtained our office pursues all reasonable avenues for collection on the Judgment.   

Criminal Defense

If you or a loved one have been arrested and charged with a crime in the Commonwealth of Kentucky, or are a subject in a criminal investigation, you have the right to an attorney who will represent you in fighting against these charges, or in putting a halt to any investigation.  Being accused of a crime is a very serious matter, and will have long-term, devastating consequences for you and your family.

We realize that to a client and their family, all criminal charges are serious matters, no matter how minor they are.  Every case and every client deserves a lawyer who will do everything possible to gain a dismissal, a reduction of the charges, or if possible, an acquittal of the charges.  The Rose Law Offices is committed to quality legal service driven by aggressive legal defense strategies and expertise.  We treat criminal defendants with both dignity and respect.  The Rose Law Offices is committed to the principles that everyone is considered innocent until proven guilty and we fight for our clients rights.