Nick Curtis Thompson
Highly rated Louisville Bankruptcy and Foreclosure Defense
OFFICE, VIDEO, AND PHONE CONSULT AVAILABLE: I spend two to four hours with you personally listening, planning, and preparing your best options. I have filed thousands of Chapter 7 and 13 cases, and now prepare only 3-5 cases per week. Other offices hand you over to a secretary, paralegal, junior attorney, or their children. I personally prepare your case. Compare our Avvo and Google ratings and results to the others.
EXCLUSIVE PRACTICE. Our practice is exclusively in foreclosure and bankruptcy cases. I don’t just keep abreast of foreclosure and bankruptcy law. We teach it in NBI seminars and boot camps to other attorneys.
CUSTOMER SERVICE. Toni is your legal consultant. She will guide you through the process when it comes to answering administrative questions.
I am personally available to clients for legal advice, even after the case is over. You are not under any obligation in our first session.
PAYMENT PLAN: We offer no money down options if you need to file bankruptcy immediately to stop a garnishment and don’t have cash.
Remote preparation: We have a secure “Client Portal” where you can complete your intake and upload documents from the comfort of home, saving time in the office.
Chapter 7 often runs $1200 to 1400. We work to ensure if you need a Chapter 7, you qualify for it. Chapter 13 cases pay attorneys 3500 or more. That is why, in some offices, Chapter 13 cases can be over 90% of their cases.
In 2020, I filed the first small business reorganization act bankruptcy in Kentucky, and I represent small businesses. I have been an assistant county attorney in Bullitt County and an assistant attorney general assigned to the tax department. My US Tax Court license is #51, and I was one of the first 50 attorney generals invited to the US Tax Court. We have presented seminars and co-authored a book on how to bankrupt student loans.
Call 502-625-0905 for a FREE bankruptcy consultation!
- Bankruptcy
- Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
- Foreclosure Defense
- Free Consultation
- Credit Cards Accepted
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Rates, Retainers and Additional Information
We offer Flat Fees for most Chapter 7 and Chapter 13 cases We also offer no money down financing!
- Kentucky
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- West Virginia
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- U.S. District Court, Southern District of Indiana
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- United States Tax Court License #51
- ID Number: #51
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- English: Spoken, Written
- Russian: Spoken, Written
- Bankruptcy & Foreclosure Defense Attorney
- Nick Thompson Law Office
- - Current
- Assistant County Attorney
- Assistant County Attorney Shepherdsville, KY
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- Assistant Attorney General Trial & Litigation
- West Virginia Tax Department
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- Accounting Superviser Inventory Control
- Keystop Oil, Accounting Division
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- Mississippi College School of Law
- J.D. (1988) | Tax, Corporate Law
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- Murray State University
- B.S. (1974) | Political Science Communications
- Debate Team, Swim Team, ROTC, Judo
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- Superb Rating
- Avvo
- Best Bankruptcy Attorneys in Louisville
- Expertise.com
- Top 3 Bankruptcy Lawyers in Louisville, Kentucky
- Three Best Rated
- 2016-2024
- Best Tax Attorneys in Louisville
- Expertise.com
- Top Kentucky Bankruptcy Attorney
- Avvo
- 2015
- National Association of Consumer Bankruptcy Attorneys (NACBA)
- Member
- Current
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- American Bankruptcy Institute (ABI)
- Member
- Current
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- NACA
- Member
- Current
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- Kentucky Bar Association
- Member
- Current
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- How to Manage/Discharge your student loans
- Avvo Legal Guide
- How to Discharge Taxes in Bankruptcy
- Avvo Legal Guide
- How to File Bankruptcy Without Losing Your Home Manual
- Nick C. Thompson
- CFPB and Foreclosure Litigation the New Rules, NBI Seminars, Wisconsin
- Fair Debt Collection Practices Act and Bankruptcy, NBI seminars, NACBA and NBI, Wisconsin
- Bankruptcy and Mortgage Defense, Lorman Education Services
- Distinguished Staff Educator since 2010
Louisville Kentucky Bankruptcy Foreclosure Attorney
Our office
Bankruptcy Exemptions How to keep property in your Bankruptcy and not lose the home to the Trustee
The idea of bankruptcy is to allow the debtor to have enough property to obtain a fresh start and a new chance at life. The retirement exemptions allow you to...
Debt Settlement is often a scam This video compares debt management plans to Chapter 7 13 Bankruptcy
Debt Management companies often file bankruptcy themselves or close after you have paid them leaving you owing the debt. Ameridebt and other companies used this model scam. You often pay...
Do you really trust the Bank's Lawyer for Foreclosure Advice on how to stop a foreclosure?
Did you Trust the Mortgage Bankers Lawyer for Foreclosure Advice? They will always tell you how to lose your case. They will never tell you how to win your case...
Filing an Annual Budget & tax return for a Chapter 13 Trustee & Bankruptcy Court in Western Kentucky
If your plan pays less than 100% every Chapter 13 Debtor must send a copy of the income tax return to the Trustee with a Budget. Use the old budget...
How to defend a foreclosure and save your Kentucky home Download our book and see our website.
When you are served with the foreclosure complaint you only have 20 days to respond. The bank is making a financial decision to make the most money possible by foreclosing...
How to defend a motion to terminate the stay or to dismiss after multiple filings.
People who file a Chapter 13 often become sick or injured after they file bankruptcy. They can file behind and need to catch back up or refile their Chapter 13....
How to discharge income taxes in Bankruptcy
Generally you have to 1) wait three years after the return became due 2) file the return more than 2 years before you file bankruptcy and 3 have no assessment...
How to get a 725 Credit score after filing bankruptcy
There are a fes simple steps I outline on my website how people can get a high FICO score after filing bankruptcy. Most of your debts will be listed as...
How to lower your Chapter 13 Bankruptcy payment or get the early hardship Chapter 13 discharge
If your Chapter 13 plan payment is too high it can be modified and lowered if your income decreases. Every plan has a minimum it must repay to cover admisitrative...
How to protect a spouse or cosigner if you file Bankruptcy in Louisville Kentucky
What exactly happens to a spouse or co signer when you file bankruptcy and their property. How do you protect them as much as possible. Download our book on how...
Keep property in Chapter 7 Bankruptcy whether you should reaffirm redeem or surrender property
Planning your bankruptcy is important. If you have a car home or boat should you reaffrim, redeem or surrender it. Here is why and how to properly chose which option....
Life after Bankruptcy. Three different Federal studies show you have better credit and more worth.
Three different federal reserve studies show your credit actually improves after you file bankruptcy. Your credit score goes up not down. That is because debts are reported as closed accounts...
Louisville Kentucky Bankruptcy Foreclosure Attorney
Louisville Kentucky Bankruptcy Foreclosure Attorney
Make your Chapter 13 plan payments or Chapter 7 affordable. What are the forgotten expenses.
Your Chapter 13 is supposed to be affordable. Often debtors make the mistake however of leaving out necessary and reasonable expenses. Leaving out these expenses will make a Chapter 13...
Managing or discharging your student loans in and out of bankruptcy. Here are the strategies.
Student loans can be made affordable and manageable. In some cases you may qualify for the undue hardship discharge in bankruptcy. About 500 to 600 people every year discharge their...
Means Test and qualifying for Chapter 7 Bankruptcy
Over 90% of people qualify for Chapter 7 bankruptcy but how do you pass the means test. The often forgotten allowable expenses are on our website but there are other...
Nine reasons Bankruptcy is better than debt settlement or management
1) Bankruptcy can pay 0 zero back to creditors 2) Bankruptcy is a court order from a federal judge you dont have to beg 3) Bankruptcy places you into control...
Suing your creditors in Bankruptcy for FDCPA, FCRA and contempt of the stay or discharge violations
Bankrutpcy court allows you the perfect place to sue creditors back in federal court. A debtor who is a victim of Fair debt collection practices act violations, fair credit reporting...
The automatic stay and discharge in bankruptcy allows you to sue creditors who attempt to collect.
The automatic stay is a temporary order which does not allow collections during a pending bankruptcy. The stay is only temporary but in a 13 that stay lasts 5 years...
The Mortgage Company Attorney
Why you don't listen to the Mortgage Company Attorney
Transfering property before filing bankruptcy fraudulent and preferential transfers. See our website
There is nothing wrong in selling property or converting property before you file bankruptcy. You may not be able to keep 25,000 in the bank and file a Chapter 7....
We sue or end Zombie Debt Collections. Download our book on how to file bankruptcy properly
Zombie Debt Collectors will often buy debts which are past the statute of limitations or that have been discharged in bankruptcy and then attempt to collect the debt. You can...
What are the non dischargeable debts in bankruptcy? Can I discharge them anyway? Sometimes you can!
Income Taxes can be discharged in bankruptcy after 3 years if you properly filed the returns. Student loans can sometimes be discharged because some of them are not from qualified...
What is the 341 hearing for my bankruptcy and what questions will I be asked?
The 341 questions you will be asked are on our website just look it up. But these questions normally are simple and harmless. The Chapter 7 or Chapter 13 Trustee...
Which is better Chapter 7, 11 or 13 Bankruptcy see the differences
Chapter 7 is for debtors who largely have little or no assets and income. Over 95% of consumers will qualify for a Chapter 7 which is the quickest and cheapest...
- Q. Can a debt collector who placed a judgement lien on my home, also garnish wages? (In reference to a repo'd vehicle)
- A: A debt collector is not restricted to just attaching your home. He can garnish wages, a bank account, and even attach a car or furniture to be sold to satisfy the debt. All at the same time but he is limited to the amount of the debt. The judgment often allows him to collect interest and attorney fees which I have seen at 350 to 450 per hour. The fact that you are old, are disabled or have children does not protect you.
- Q. I am considering a chapter 7 bankruptcy. Do i stop personal loan pymnt thru my bank or loan co? Do i tell my loan co?
- A: I fail to see any benefit in telling your bank or lender that you are filing before you file. You would give them information that is probably not helpful to you. They are certainly not going to tell you how to not pay them or how to sue them. I would go to the bank and issue a stop payment.
- Q. I was put on my mothers car title when she purchased her lease buyout in 2022, I was removed in April 2024, an issue?
- A: Absolutely, this is a problem. You gave her your ownership interest in the car. You have some exemptions that allow you to keep your car. But if you give property away before filing, it becomes a fraudulent transfer, and you now have no exemption that allows you to keep the auto. The auto is no longer yours, so you can't use the exemption to protect it.
