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It can be very stressful when you owe debts that you can’t pay. However, there are laws that protect you and some of your property from your creditors.
Bankruptcy is a federal court process to help people get a fresh financial start. It works by getting rid of debt they can’t manage or making arrangements to repay unmanageable debt. This is called “discharging debt.” The person filing for bankruptcy is called the ‘debtor’ and the people or businesses owed money to are called ‘creditors.’
Note: In some places in Kentucky, landlords and tenants have certain rights that are not available in other parts of Kentucky, through the Uniform Residential Landlord-Tenant Act (“URLTA”). Be aware that, at this time, the only places in AppalReD’s service area that have adopted these rules are Barbourville and Pulaski County. For the rest of AppalReD’s service area, the following
rules will apply.
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