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Attorney at Law Magazine introduces Laura Day as your

Louisville Bankruptcy Law Attorney

Laura Day

Laura Day

DelCotto Law Group LLC

Laura Day sees her clients’ situations as opportunities to create a persuasive message to advocate for their interests, with the other parties as well as the court. Over a 30 year career, Laura Day has come to view this process as both an art and a science. “Everything we do falls on a spectrum of options: pros and cons, how it fits into the big picture, negotiation, and risk analysis. I mostly see lots of gray and multiple choices of how to proceed, usually not a simple black and white answer. It is very important to me to make sure the clients get the benefit of what I see so they can make the best choices for themselves.”

Laura Day began as a young lawyer doing bank work, but says her heart grew to love the debtor side of the table. “The early years of my practice are invaluable to me, because I got to write and argue so many motions in different courts, and learned to think about what creditors are looking for in a situation. As a debtor or committee lawyer, being able to understand and work with the other parties is an absolute necessity.” She believes in always trying to resolve issues consensually, while simultaneously preparing to go make the case in court if required.

(859) 495-2968

DelCotto Law Group PLLC
4.8
Based on 23 reviews
Mike Gartland was great to work with. He was efficient and effective. He is your answer for a strong attorney that gets things done.
Dave Miller
Dave Miller
15:34 24 Jan 20
If I could give 10 stars to Michael Gartland I would.He is an expert in his field and worth every penny. If you are lucky enough to have him represent you, be assured that he is thorough, diligent, resourceful, effective and handles even the most difficult situations with compassion and the highest degree of professionalism.Before I was referred to Mr. Gartland I spent 3 years attempting to resolve a very unique and complex identity theft case. I spent quite a bit of money, consulting at least 10 other attorneys, with no resolution. Finding Mr. Gartland was a Godsend. No other attorney in New York, California or Kentucky had ever heard of a case like mine, and therefore were unwilling to even attempt assistance. Mike listened, researched the issue and expeditiously secured me a successful judgement. I recommend him with the highest praise.Thank you Mike!
Kim Seeley
Kim Seeley
04:15 18 Jan 20
I highly recommend Michael Gartland with Delcotto Law Group. He was very responsive and made me feel like I was his only client. He went above and beyond to help me get my case resolved quickly. I cannot thank him enough for everything he did to help me.
Lindsey T
Lindsey T
03:57 11 Jan 20
I highly recommend Mike Gartland, he is very professional and handled my situation quickly and resolved the case to my satisfaction. Thank you Mike
V
V
03:34 25 Dec 19
I would definitely recommend Attorney Michael Gartland with DelCotto Law Group PLLC. He is very professional and knows how to get things done. He keeps you informed every step of the way. I truly believe he goes above and beyond to serve his clients. He never fails to return a phone call or reply to an email, he really provides exceptional service and takes time to listen to your concerns and keeps you involved every step of the way. You will not go wrong choosing him. If I could give him 10 stars I would because it was really a pleasure working with him and you can totally trust him to keep his word. I promise you will not go wrong choosing Attorney Michael Gartland!
Glaudeana Mack
Glaudeana Mack
22:18 24 Dec 19
This is now my second experience with DelCotto Law Group, with Attorney Michael Gartland. I honestly can't be more impressed with the outcome of both experiences. Mr. Gartland was very on point, responsive, any questions or concerns I may have had he always took the time to call or email me. He always kept me informed on every move he was making with my case (without my asking) which was very nice not to have to call for updates. He is a very straight laced, to the point type of attorney and I really enjoy working with him. I will 100% recommend him to anyone and most certainly use his services for and future issues I may come upon. Truly a great experience!
Stacey Van Pelt
Stacey Van Pelt
20:13 02 Dec 19
Michael Gartland is a litigation attorney I would recommend without hesitation. He took on my private student loan case when so many other litigation attorneys wouldn't even take the time to look at them. These types of cases are not easy, they are very time consuming, and a topic a lot of attorneys are not proficient in. He not only took on the case, he educated himself on the matter when he needed too. He was extremely communicative during all the ups and downs of the case. Always giving me all my options and letting me know he was there no matter my decision. I never questioned his loyalties to me as his client. I would without a doubt recommend Michael Gartland for any and all litigation matters if winning is your top priority.
Renee Gibson
Renee Gibson
21:47 16 Oct 19
I want to thank the DelCotto Law Group for the work they did for me. I found the experience to be very professional and thorough. Not only the prework to identify the issues, but the meticulous and open discussion to solve the problems. I would recommend them for any of your legal matters and needs. Thank you DelCotto Law Group.
Seth Tuska
Seth Tuska
01:42 03 Aug 19
Ten weeks of after the original closing date for a land auction, the seller's agent would not enforce the irrevocable offer to purchase and buyer's attorneys refused to close. Nothing happened until DelCotto Law Group was engaged by the seller.Michael J. Garland , attorney for the seller, began sending emails to opposing parties regarding "breach of contract" on Tuesday after engagement and by 4pm on Wednesday the buyer's attorneys contacted the title company requesting documents and wiring instructions for closing.A great litigator and a great job done!
LinaJean Armstrong
LinaJean Armstrong
17:19 09 Mar 19

In Need Of A Louisville Bankruptcy Attorney?

If your financial situation is in crisis mode, you must act quickly to protect your assets and financial interests. Creditors don’t waste time when your accounts show signs of default. They submit adverse credit bureau reports that lower your credit score. They transfer your accounts to collection agencies who call your home, job, or business until they get a definitive response. Louisville Recovery attorneys secure creditor’s judgments through lawsuits. They satisfy court judgments by garnishing your income and placing liens against your home.

Economic problems can be stressful, especially when you see no potential for relief. Louisville Bankruptcy attorneys can help you navigate the most complex financial problems. They intervene on your behalf to stop collection efforts. They use their legal knowledge and experience to produce financial relief.

A Common Problem

If you’re feeling anxious over your financial future, you’re not alone. Money management problems occur at all levels of income and economic spectrums. They arise due to uniquely personal issues such as high medical bills, job losses, and divorce. Unexpected expenses and spending indiscretions cause problems as well.  It doesn’t matter how you reached your credit crisis, you shouldn’t try to handle it on your own.

Bankruptcy attorneys in Louisville provide the critical legal assistance you need. They listen to your concerns, evaluate your financial issues, and determine if bankruptcy is your best option. After hearing your story and reviewing your personal financial information, your attorney might recommend that you attempt debt forgiveness, bill consolidation, or another non-legal option. When bankruptcy is the best alternative, you can trust your Louisville bankruptcy attorney to understand the complex federal code and work with you to comply with the requirements.

United States Bankruptcy Code

The Bankruptcy Code provides protection for both the debtor and the creditor. It protects the debtor by requiring that creditors cease formal and informal collection activities. It protects creditors by forcing debtors to document their assets in writing and during a formal examination. This disclosure allows the court to decide if you have the ability to pay or if you meet the qualifications to discharge your debt. Your attorney initiates the legal process by filing a petition citing the appropriate chapter.

  • Chapter 7: You receive a complete discharge of your debt. If you have assets, a trustee oversees a liquidation and your creditors receive any cash proceeds.
  • Chapter 11: A debtor (usually a business) works with creditors to establish a plan to reorganize and pay some or all the debt.
  • Chapter 12: Family farmers and fishermen can reorganize their debt and arrange to pay some or all of it to their creditors.
  • Chapter 13: This chapter is sometimes called the “wage-earner” plan. If you have a “regular income,” it allows you to establish a repayment plan. To qualify, your debt must meet certain guidelines and you must complete your repayment within three to five years.
  • Chapter 15: Applies to parties involved in foreign court cases.

Bankruptcy is a formal legal process. You must comply with strict rules and guidelines and appear at court-ordered hearings. Attorneys work with you to gather the required information and submit necessary documents on your behalf. They help you comply with court requests and prepare your responses. They represent you during hearings and work to provide an outcome that gives you the financial relief you need.

Louisville Bankruptcy Attorneys 

Bankruptcy can seem like a drastic option but it might be the best option for you. If you’re struggling with financial difficulties, your attorney can help you decide. Most bankruptcy attorneys in Louisville offer a complimentary consultation. You discuss your financial issues and decide the best solutions for your personal and financial circumstances.

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