Morrin Law Office has been engaged in the protection of debtors' rights since the beginning. Our staff is knowledgeable in the Fair Debt Collection Practices Act and other defense mechanisms which may be employed in your defense. Mr. Morrin is admitted to practice in the United States District Court, Eastern District of Kentucky and, as such, is equipped to file chapter 7 or chapter 13 bankruptcy on behalf of our clients if necessary.
Creditors don't like debt either. Debt restricts everyone involved. If someone owes you money, then we can help you too. Sometimes the money truly is owed and justice requires representation for creditors as well. Morrin Law Office will engage those who owe you money on a contingency fee basis. This means that you don't pay us unless we recover for you. We stand by the quality of our services and we will stand by you to allow your voice to be heard as justice so requires.
Tell us your situation and let us figure out the best way to help.
Before a court case is filed, a debtor may wish to hire us to dispute the debt and/or settle the debt without litigation.
Chapter 7 & 13 Bankruptcies
Sometimes it is the best solution and can even be used to discharge student loan debts in some cases.
Let us go to court to fight for debtors to get cases dismissed or to settle for a fraction of the amount allegedly owed.
A list of relevant websites, articles, links, and more on Debtor's Rights:
This link shows that Kentucky legislators are not helping Kentucky debtors.
Both Ch. 7 and Ch. 13 Bankruptcies require a person to obtain a Credit Counseling Certificate from an approved provider with the six months prior to filing for Bankruptcy. The following three agencies have all been approved:
What People Are Saying
"Recently Jason Iuliano, (J.D. Harvard Law School; Ph.D. Student in Politics, Princeton University) took an empirical look at the reality of student loan discharges in bankruptcy and his results, are -- well -- shocking.
What Iuliano found was that the reality of student loan discharge in bankruptcy was that four out of 10 people that attempted to discharge their loans were successful. Granted, a 40 percent rate is not success for the majority, but it's not inconsequential either. More disturbingly, he found that in just the one study year, 69,000 debtors would have been good candidates to receive some or full relief from their student loan debt but they never even tried to discharge the loans. In fact, few ever try to discharge their student loans in bankruptcy. "99.9 percent of student loan debtors in bankruptcy never attempt to get a discharge," says Iuliano.
The research found that consumers who were able to successfully discharge their student loans in bankruptcy under the undue hardship standard had these three characteristics:Less likely to be employed.
1. Less likely to be employed.
2. More likely to have a medical hardship.
3. More likely to have lower annual incomes the year before they filed for bankruptcy."
Huffington Post Contributor
Frequently Asked Questions
Can my student loan be discharged?
Most people believe that student loan debts cannot be discharged in bankruptcy; however, a recent study has indicated that 4 out of 10 who attempt to discharge their student debts are successful. 4 out of 10 isn't great, but it is possible to discharge your student loan debts if you can prove you are 1) unlikely to be employed, 2) likely to have a medical hardship, and 3) likely to have a low/insufficient annual income the year before bankruptcy is filed.
See the study conducted here.
Can you help if I've been sued by a collection company or my bank?
First, if you receive a collection letter then you should immediately schedule an appointment to discuss how we will be able to contest the debt prior to a lawsuit being filed against you. Attacking the debt at this early stage costs relatively little and can save you a lot of money.
If you are sued, then hiring our experienced attorney to defend you in the action will cause either a dismissal of their action or a settlement that saves you a lot of money. We will assess your specific circumstance to determine any defenses you may have to the creditor's claim and any counterclaims you may be able to assert. Debt collectors often violate the Fair Debt Collection Practices Act (FDCPA) and these violations can be used to leverage a favorable settlement, dismiss their claims altogether, or actually turn the tables so that you are the one collecting payment in the end. Banks are not subject to the FDCPA if collecting their own debts. However, if you tell them to stop calling you and they continue to call, then they may be in violation of the Telephone Consumer Protection Act (TCPA) and owe you up to $1,500 per unwanted call.
How can you help clean up my credit report?
We will challenge inaccurate or unsubstantiated negative entries on your credit report. We do this by contacting both the alleged creditor and the credit reporting agencies to challenge the negative entry. We will get investigations started for you to remove any inaccurate entries. If necessary, we will file a complaint on your behalf.