Bankruptcy is a scary word. The process can be demanding and emotionally draining, not to mention an overwhelming, confusing burden to navigate.

However, for some, bankruptcy is a chance to start fresh. With experienced attorney Michele Wilson Jones at your side, the legal burden of bankruptcy is in good hands while you focus on moving on.

How does bankruptcy work?

The two types of bankruptcy are Chapter 7 and Chapter 13, and both prevent creditors from collecting debts you owe them. Other than this shared provision, the two types of bankruptcy differ immensely.

If your household earns less than the Kentucky median income, you can file for Chapter 7 bankruptcy. Chapter 7 bankruptcy includes the following provisions:

If your household earns more than the Kentucky median income, you can file for Chapter 13 bankruptcy. Your debts will be consolidated and some will be canceled. You’ll need to pay off the consolidated balance over three to five years. Chapter 13 bankruptcy may be better for homeowners or debtors who need to protect assets that, under Chapter 7, could be sold to pay for debts.

Bankruptcy Attorney Whitley City

Do I Have to Be Broke to File for Bankruptcy?

Bankruptcy isn’t about having zero dollars in your bank account. It’s about having debts that the money in your bank account just can’t cover. You shouldn’t have to worry that bankruptcy signals that you’re broke – it can happen to anyone.

Bankruptcy Attorney Whitley City

The Pros and Cons of Filing for Bankruptcy

Bankruptcy stabilizes your financial situation. With a debt repayment plan in place, your assets – such as your home, your car, and other life essentials – can sometimes remain yours. You’ll get a chance to start over after a harrowing buildup of overdue loans, payments, and more.

Of course, bankruptcy doesn’t mean a completely clean start. Your credit report will display a Chapter 7 bankruptcy for 10 years and a Chapter 13 bankruptcy for seven years. Since Kentucky employers may request credit scores before they hire you, bankruptcy may affect your future work prospects.

Another potential pitfall of bankruptcy is how it affects others in your life. Though bankruptcy protects you as an individual, any co-signers on your debts remain vulnerable to creditors.

Bankruptcy Attorney Whitley City

Choose Michele for counsel on bankruptcy matters such as:

Debt Relief
Asset Protection
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Individual Bankruptcy

Choose Michele Wilson Jones for bankruptcy help

Bankruptcy sounds frightening, but you can get legal help, even without significant financial means. Michele firmly believes that all are entitled to experienced legal help, no matter their ability to pay.

If you’re contemplating filing for bankruptcy, just walk into the office and speak with Michele. Although you can make an appointment, you don’t need one – when Michele is here, she’s here to help. Your conversations will remain entirely confidential.

If you think bankruptcy may be the right option for your debts, contact Michele Wilson Jones, Attorney at Law for a confidential, no-obligation consultation.

Ph. (606) 376-2200

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A Proven Record

of Legal Victories for Our Clients

Donna M.
Donna M.
23:37 29 Dec 23
So nice they were able to make a change on my mistake and still delivered promptly. So fresh and reasonably priced. I wish I ordered the raita to go with it...
Thomas R.
Thomas R.
04:01 12 Oct 23
This place apparently has been going strong for 10 years, and with the quality of the food, I'm not surprised. It was a beautiful location. I stopped in, and the aromatics in the air made me hungry, lol
David S.
David S.
08:55 26 Sep 23
Update on 9/26/2023. Ordered take away dinner for hubby and me this past weekend. Masala dosai v good - but too much pancake and not enough filling.I ate lunch at a table in this take away shop. The portion was very generous -a Vegetarian thali with potatoes and cauliflower. Spices were mild. No tea (Chai or spiced masala available).
leo B.
leo B.
14:42 23 Sep 23
CW&R is by far the best Indian food in our area. The service is great and the Chicken Tandoori and Chicken Sheek Kebabs are my go to. You will not be disappointed!
Ian S.
Ian S.
13:01 16 Sep 23
This place has the best Indian food in Westchester by far. I love their chicken thali, because it allows you to also try a vegetarian dish as well. I'm in love with their chicken saag and chana masala. They have an amazing variety of dishes. My father loves their Lamb biryani. Now things like Dosa and Naans I would recommend to eat them there, as they don't travel well. Their chicken roll is the best thing for a quick bite.
Renny G.
Renny G.
07:28 03 Jun 23
Ordered chicken tikka masala, naan, chicken biryani, samosas, pakoras..Everything was exceptional.The chicken tikka had tender white meat well cooked in, what I’m assuming is, a Tandoor oven. The meat just peels off. Not too hard, not too soft. On one occasion the meat was hard, but that was the exception. The gravy is tangy and perfect. In some places, you just taste butter. Naan is also good when dipped in sauce. Regarding the naan, there is an after taste of Indian dough, and I wish it was softer- but then maybe it’s because I ordered plain naan instead of what some places call butter naan. Samosas are awesome, and pakoras aren’t dry-which is a step up from other places. Biryani was also good, I just wish it was more soaked in sauce like the pakora, instead of being dry. Food is, overall and to be specific: amazing. I wish their location had more room to eat-in, with a buffet on weekends. But again, food was amazing.
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127 Main Street
Whitley City, KY


Monday to Friday
8:30 am – 4:30 pm