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Covington Legal Issues Blog

How can you handle legal debt?

Personal bankruptcy is rarely the result of a single financial issue in Kentucky. However, there are some situations that may contribute more than others. Specifically, divorce and criminal cases could easily upset your financial balance relatively quickly.

If you find yourself struggling with debt from any or all of the following problems, you may want to consider bankruptcy as a viable option. Depending on your situation, it could actually be the most efficient way to let you focus on putting your financial life back together.

Who will pay your medical bills after a car accident in Kentucky?

Suffering from a physical injury after a car accident is bad enough, but it is worse when there are costly medical bills. These expenses can quickly get out of hand as you try to recover from your injuries. You may have no idea how to afford these bills on top of everything else you need to handle, such as car repairs and making up for lost income. 

Thankfully, you have options for covering your medical expenses. Here is how to pay for your medical bills after a car accident in Kentucky. 

Could bankruptcy save my house?

Bankruptcy could stop your creditors from making collection calls or repossessing your property. That could include banks that would want to take back your home. It could even prevent a sale of your property at foreclosure. However, there are some exceptions.

These exceptions are designed to protect your creditors, and they are not clearly itemized in Title 11 of the United States bankruptcy code. However, there are some established limits both in the code and in case law. 

Reviewing how quickly the body metabolizes alcohol

A common refrain that you may hear over and over in campaigns aimed at people avoiding drunk driving charges is "drink responsibly." Does this mean that you should never get behind the wheel after having even as much as a sip of alcohol? Many come to us here at The Berger Firm with this question, yet unfortunately, there is no easy answer to it. While ideally, you would have a designated driver or an alternative means of transportation to take you home after drinking, the mere presence of alcohol in your system does not warrant drunk driving charges (or else there would not be a legal blood-alcohol content limit). 

An understanding of exactly how long alcohol stays in your system will help you to know when it might be safe to drive after drinking. While you ingest alcohol just like any type of food or drink, it is not digested in the same manner. Most if it permeates through the lining of the organs of your digestive tract and ends up in the bloodstream. Information shared by American Addiction Centers shows that it then arrives at your liver, which will metabolize up to 90 percent of it by releasing an enzyme called alcohol dehydrogenase. 

Representation could be more affordable than you think

At the Berger Firm, we take pride in the fact that our work brings justice to people involved in Kentucky auto accidents. However, we wish that more people knew exactly how accessible personal representation could be.

Many potential clients who contact us worry about how they might pay for their lawyer. we often tell clients that there is a very simple reason why this should not be their primary concern.

How can I avoid debt relief scams?

Debt relief services claim to help people facing bankruptcy get current on debt and restore their financial standing. While many of these services can offer assistance, others may be scams to deprive a person from their money for help that never materializes. To help you identify debt relief red flags, the Federal Trade Commission offers the following advice.

Debt management plans and debt settlement programs are two debt relief options. Debt management allows you to reorganize your debt into one convenient payment which will be spread out among your creditors. You must make payments according to the set schedule or run the risk of having your new terms denied. With debt settlement, you hire a company to negotiate a lump sum settlement on your behalf that is lower than what you already owe.

When your divorce agreement starts holding you back

Situations change. People grow. New opportunities arise. You should know a divorce from your past does not have hold you back from making the most of your future life.

Kentucky statute allows modification of several terms of your divorce agreement under certain conditions. Some of the more common changes have to do with child custody, child support and spousal support agreements. 

Auto fatalities involving speed or alcohol

It is no secret that drinking and driving is dangerous yet you know doubt see or hear reports about people in Kentucky continuing to be hit by drivers who have made this risky decision. The same is true when it come to speeding as numerous people continue to make the choice to drive recklessly and ignore posted speed limits. These decisions put innocent people at risk for no good reason.

Sadly, the statistics provided by the National Highway Traffic Safety Administration show just how many lives are lost to speeding or drunk drivers every year. In Kenton County alone, 57 people were killed in automobile accidents over the five years from 2013 to 2017. Of those people, 21 died in crashes in which alcohol was involved and another seven perished in wrecks in which excessive speed was deemed a factor.

Negligent entrustment explained

Whether one is involved in a high-speed collision or a simple fender-bender in Covington, the expenses that can result from a car accident can quickly become enormous. In some cases, one's financial liabilities arising from an accident may exceed insurance coverage limits. In such a case, those facing such expenses may be left with little choice but to take legal action against those that caused their accidents. Yet what if the responsible party was a teen driver? 

Recovering compensation from a teen might be next to impossible given the likelihood that such a party has limited financial resources. However, one might be able to hold whoever allowed a teen to drive their vehicle liable through the legal principle of negligent entrustment. Section 186.590(3) of Kentucky's Revised Statutes says that any vehicle owner who entrusts their vehicle to a driver under the age of 18 can be held liable for any damages the teen driver's negligent actions may cause. The reason for this law is the assumption that vehicle owners should know that teen drivers are more likely to drive recklessly.

Determining child support in Kentucky

When you and your spouse choose to divorce, you both likely understand that some sort of child support obligation will be placed on your both. Like most parents, neither of you has any issue with this; where people from Covington in your same situation that have come to us here at The Berger Firm do have concerns is knowing exactly how much they will be required to pay. You do not want to be placed in the position of thinking that you are being taken advantage of by your ex-spouse when it comes to paying child support. Understanding how the state determines what should be paid each month may help to ensure this does not happen. 

According to Section 403.212 of Kentucky's Revised Statutes, the court looks at yours and your ex-spouse's combined monthly gross income when determining your child support obligation. "Gross income" includes any of the following: 

  • Salaries and wages
  • Retirement and pension funds
  • Commissions and bonuses 
  • Dividends, capital gains and earned interest
  • Annuities and trust income
  • Workers' compensation, disability and Social Security benefits
Official Local County Resources
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    Kenton County
  • Boone-County
    Boone County
  • Campbell-County
    Campbell County
  • Hamilton-County-State-Of-Ohio
    Hamilton County
  • Clermont-County-State-Of-Ohio
    Clermont County
  • Butler-County-State-Of-Ohio
    Butler County

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118 W 5th ST
Covington, KY 41011

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