Bankruptcy Lawyer in Northern Kentucky
Whitford & Owen serves clients in Boone, Kenton, Campbell, and Grant counties. Over 6,600 cases filed statewide since 2009. Free consultations — an attorney will often answer directly.
Free consultations. Same-day appointments available. No office visit required.
Serving Covington, Florence, Newport, and the NKY Region
Northern Kentucky residents facing debt problems often wonder whether they should look across the river to Ohio for help. The answer is no — if you live in Kentucky, your bankruptcy case is filed under Kentucky law in a Kentucky federal court, and you should work with a Kentucky-licensed attorney. Whitford & Owen is licensed in Kentucky and handles cases throughout the Northern Kentucky region regularly.
We handle everything remotely — consultations by phone, documents submitted digitally, 341 meetings conducted by phone. You don’t need to drive anywhere.
What We Can Do For You
Stop Wage Garnishment
The automatic stay stops most garnishments the moment you file. We provide same-day documentation to your employer so you see relief as fast as possible.
Stop Foreclosure
Filing bankruptcy halts a foreclosure immediately. Chapter 13 lets you cure arrears over time and keep your home in the NKY market.
Eliminate Debt
Chapter 7 can wipe out most credit card debt, medical bills, and personal loans in just a few months. Chapter 13 restructures what you owe while protecting your assets.
Northern Kentucky Bankruptcy — What You Should Know
Eastern District of Kentucky — Covington Division
Northern Kentucky residents file bankruptcy in the U.S. Bankruptcy Court for the Eastern District of Kentucky, Covington Division. Even though you may work in Cincinnati, your bankruptcy case belongs in Kentucky — and we handle it here.
Don’t Use an Ohio Attorney for a Kentucky Case
Because Northern Kentucky sits on the Ohio border, many residents assume they can use an Ohio bankruptcy attorney. They cannot. Your case is filed in Kentucky federal court under Kentucky law, and your attorney must be licensed in Kentucky. Whitford & Owen is a Kentucky firm — this is exactly what we do, every day.
Ready to Talk?
A free consultation costs you nothing and could change everything. Call or text today — same-day appointments available.