Two Attorneys. One Focus. Over 6,600 Cases.
Whitford & Owen PLLC is a bankruptcy law firm serving clients across Kentucky — founded on the idea that people going through financial hardship deserve experienced, focused legal help.
Whitford & Owen PLLC is a bankruptcy law firm serving clients across Kentucky. We were founded on a simple idea: that people going through financial hardship deserve experienced, focused legal help — not a general-practice attorney who handles bankruptcy on the side.
Raphael Whitford has been practicing bankruptcy law since 2009. Matthew Owen joined the firm after beginning his career in a general practice setting and choosing to focus exclusively on bankruptcy because of the immediate, meaningful impact it has on clients’ lives. Together, they have filed over 6,600 cases and counting.
We practice exclusively bankruptcy law. That’s not a limitation — it’s a deliberate choice. Bankruptcy is a specialized field, and the attorneys who do it best are the ones who do it every day. Our clients benefit from that depth of experience at every stage of their case.
What Sets Us Apart
Volume and Experience
With over 6,600 cases filed and 572 in 2025 alone, we are one of Kentucky’s highest-volume bankruptcy practices. That volume translates directly into experienced guidance — we’ve seen nearly every situation, complication, and creditor tactic there is.
Exclusive Bankruptcy Focus
Many law firms in Kentucky offer bankruptcy as one of a dozen practice areas. We don’t. Every hour we work, every process we’ve refined — it’s all bankruptcy. That focus matters when your financial future is on the line.
Accessibility
We believe clients should be able to reach an attorney when they have questions. When you call Whitford & Owen, an attorney will often answer directly. If not, we’ll return your call as soon as we’re available.
Statewide Service
We file cases throughout all 120 Kentucky counties. Phone consultations mean you don’t need to be near one of our offices — if you’re in Kentucky, we can help.
The Attorneys
Raphael J. Whitford
Founding Attorney
Practicing bankruptcy law since 2009. J.D., University of Minnesota Law School. Admitted in Kentucky, Western and Eastern Districts of Kentucky, and Southern District of Indiana.
Matthew D. Owen
Attorney
J.D., Chase College of Law, 2012. B.A. in Finance, University of Kentucky. Admitted in Kentucky, Western and Eastern Districts of Kentucky, and Southern District of Indiana.
Ready to Talk With an Attorney?
Free consultations. Same-day appointments available. Serving all 120 Kentucky counties.