Chapter 13 Trustee

- 200 S 7th St #310, Louisville, KY 40202

Facing financial difficulty can be an incredibly stressful and complex experience. For many people in Kentucky, exploring options like Chapter 13 bankruptcy is a necessary step toward regaining control of their finances. In this process, a key figure is the Chapter 13 Trustee. This is not a personal attorney you hire, but rather a neutral party appointed by the U.S. Trustee's office to administer your bankruptcy case. In Louisville, the office of the Chapter 13 Trustee, headed by William W. Lawrence, serves as a crucial link between debtors, creditors, and the bankruptcy court. The role of this office is to ensure that the bankruptcy process is fair, efficient, and in compliance with federal law. While they do not provide legal advice to debtors, they are an essential part of the system, overseeing repayment plans, collecting payments, and distributing funds to creditors. Their work is vital to helping individuals in the Kentucky region successfully complete their bankruptcy and get a fresh financial start.

This article aims to provide a clear and factual overview of the Chapter 13 Trustee's office in Louisville, offering insight into their function and what a local user can expect. We will detail their location, explain their role, and provide essential contact information. It's important to understand that the trustee's office is an administrative body, and while they can be a source of information about your case, you will still need to hire your own attorney for legal advice and representation. Understanding the distinction is the first step in navigating the bankruptcy process. This overview will help demystify the trustee's role, providing a more confident and informed experience for anyone in Kentucky considering or undergoing a Chapter 13 bankruptcy.

The office of the Chapter 13 Trustee is located at 200 S 7th St #310, Louisville, KY 40202, USA. This central location places the office within the legal and financial hub of downtown Louisville, making it accessible for clients and attorneys. The office is situated in the Legal Arts Building. For those visiting the office, a wheelchair accessible parking lot is available, which is a crucial convenience for individuals with mobility challenges. Additionally, the building provides a restroom, contributing to a comfortable experience for visitors. The firm understands the importance of providing a space that is both professional and accessible to all members of the community it serves. While the office is physically located downtown, many of the services and interactions with the trustee's office can now be handled online or by mail, which adds to the convenience for debtors. For in-person visits, appointments are recommended, which helps to ensure that your visit is timely and that the staff can give your questions the attention they require.

The Chapter 13 Trustee serves a specific and well-defined role in the bankruptcy process. Their primary duties are administrative and fiduciary, centered around the Chapter 13 repayment plan. As a debtor, your direct legal counsel will come from your own attorney, but the trustee's office is responsible for overseeing the entire process from a neutral standpoint. Key services and responsibilities of the Chapter 13 Trustee include:

• Reviewing Bankruptcy Petitions: The trustee's office examines all bankruptcy filings to ensure they meet the legal requirements and are complete. They may file objections if there are deficiencies.
• Conducting the Meeting of Creditors (341 Meeting): The trustee presides over this meeting, where they question the debtor under oath about their financial situation, property, and proposed repayment plan. This meeting is a crucial step in the bankruptcy process.
• Collecting and Distributing Payments: The trustee is the disbursing agent for the repayment plan. They collect monthly payments from the debtor and distribute them to creditors according to the confirmed plan.
• Monitoring the Repayment Plan: Throughout the three- to five-year repayment period, the trustee's office monitors the debtor's compliance with the plan, ensuring payments are made on time and in full.
• Providing Information: The office maintains records of case activity and financial information, and they can provide reports to debtors and creditors.

Several features and highlights distinguish the Chapter 13 Trustee's office and are important for local Kentuckians to be aware of. While the provided review points to a potential communication issue regarding business hours, it is crucial to understand the context and the general features of the office. The information available from the office itself clarifies their standard operating hours and communication methods.

• Administrative Role: It is important for clients to know that this is not a law firm you hire to represent you. The trustee is a neutral, court-appointed professional who manages your case.
• Clear Operating Hours: The office has specific hours, typically Monday through Thursday from 8:30 a.m. to 4:30 p.m. and Friday from 8:30 a.m. to 12:30 p.m. It is always wise to check a reliable source, such as the official trustee website, for the most up-to-date hours.
• Appointments Recommended: The office suggests making an appointment, which helps them provide better service and ensures that a qualified staff member is available to assist with your specific questions.
• Accessibility: The office provides a wheelchair accessible parking lot and restroom, demonstrating a commitment to serving all individuals.
• Electronic Payments: The trustee's office accepts electronic payments, which provides a convenient and secure way for debtors to make their monthly payments. This modern feature helps streamline the process.

To contact the Chapter 13 Trustee's office or to get more information, you can use the following details:

Address: 200 S 7th St #310, Louisville, KY 40202, USA

Phone: (502) 581-9042

Mobile Phone: +1 502-581-9042

For anyone in the Kentucky region navigating the bankruptcy process, understanding what the Chapter 13 Trustee does is essential. What makes this office particularly worth choosing to work with—or rather, what makes them a reliable and important part of the process—is their foundational role in ensuring the integrity of the bankruptcy system. While the provided review highlights a frustration with hours, it is critical to recognize that the trustee's office is an official, administrative body with specific, published business hours. Unlike a private business that may have flexible hours, a government-related office like this one operates on a strict schedule. The trustee, William W. Lawrence, is a court-appointed professional whose function is to serve the interests of both debtors and creditors by ensuring that the bankruptcy plan is fair and that payments are correctly administered. The office's commitment to accessibility, including a wheelchair accessible parking lot, shows a dedication to public service. They also offer modern conveniences like electronic payments. Most importantly, the trustee's office provides a structured and monitored path for debtors to successfully discharge their debts over a period of three to five years. For local Kentuckians, working with the Chapter 13 Trustee’s office means being part of a formal, legal process designed to provide a fresh financial start under the protection of the federal court. By understanding their role and working in tandem with your own legal counsel, you can effectively navigate the complexities of Chapter 13 bankruptcy and achieve a successful outcome.

Chapter 13 Trustee

200 S 7th St #310, Louisville, KY 40202, USA