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Nick Curtis Thompson

Nick Curtis Thompson

Highly rated Louisville Bankruptcy and Foreclosure Defense
  • Bankruptcy, Foreclosure Defense
  • Kentucky, West Virginia
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Biography

OFFICE, VIDEO, AND PHONE CONSULT AVAILABLE: I spend two to four hours with you personally listening, planning, and preparing your best options. I have filed thousands of Chapter 7 and 13 cases, and now prepare only 3-5 cases per week. Other offices hand you over to a secretary, paralegal, junior attorney, or their children. I personally prepare your case. Compare our Avvo and Google ratings and results to the others.

EXCLUSIVE PRACTICE. Our practice is exclusively in foreclosure and bankruptcy cases. I don’t just keep abreast of foreclosure and bankruptcy law. We teach it in NBI seminars and boot camps to other attorneys.

CUSTOMER SERVICE. Toni is your legal consultant. She will guide you through the process when it comes to answering administrative questions.
I am personally available to clients for legal advice, even after the case is over. You are not under any obligation in our first session.

PAYMENT PLAN: We offer no money down options if you need to file bankruptcy immediately to stop a garnishment and don’t have cash.

Remote preparation: We have a secure “Client Portal” where you can complete your intake and upload documents from the comfort of home, saving time in the office.

Chapter 7 often runs $1200 to 1400. We work to ensure if you need a Chapter 7, you qualify for it. Chapter 13 cases pay attorneys 3500 or more. That is why, in some offices, Chapter 13 cases can be over 90% of their cases.

In 2020, I filed the first small business reorganization act bankruptcy in Kentucky, and I represent small businesses. I have been an assistant county attorney in Bullitt County and an assistant attorney general assigned to the tax department. My US Tax Court license is #51, and I was one of the first 50 attorney generals invited to the US Tax Court. We have presented seminars and co-authored a book on how to bankrupt student loans.

Call 502-625-0905 for a FREE bankruptcy consultation!

Practice Areas
Bankruptcy
Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
Foreclosure Defense
Video Conferencing
  • Zoom
Fees
  • Free Consultation
  • Credit Cards Accepted
  • Rates, Retainers and Additional Information
    We offer Flat Fees for most Chapter 7 and Chapter 13 cases We also offer no money down financing!
Jurisdictions Admitted to Practice
Kentucky
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West Virginia
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U.S. District Court, Southern District of Indiana
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United States Tax Court License #51
ID Number: #51
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Languages
  • English: Spoken, Written
  • Russian: Spoken, Written
Professional Experience
Bankruptcy & Foreclosure Defense Attorney
Nick Thompson Law Office
- Current
Assistant County Attorney
Assistant County Attorney Shepherdsville, KY
-
Assistant Attorney General Trial & Litigation
West Virginia Tax Department
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Accounting Superviser Inventory Control
Keystop Oil, Accounting Division
-
Education
Mississippi College School of Law
J.D. (1988) | Tax, Corporate Law
Mississippi College School of Law Logo
Murray State University
B.S. (1974) | Political Science Communications
Debate Team, Swim Team, ROTC, Judo
Murray State University Logo
Awards
Superb Rating
Avvo
Best Bankruptcy Attorneys in Louisville
Expertise.com
Top 3 Bankruptcy Lawyers in Louisville, Kentucky
Three Best Rated
2016-2024
Best Tax Attorneys in Louisville
Expertise.com
Top Kentucky Bankruptcy Attorney
Avvo
2015
Top Foreclosure Attorney
Avvo
2015
Client's Choice Award
Avvo
Professional Associations
National Association of Consumer Bankruptcy Attorneys (NACBA)
Member
Current
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American Bankruptcy Institute (ABI)
Member
Current
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NACA
Member
Current
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Kentucky Bar Association
Member
Current
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Publications
Articles & Publications
How to Manage/Discharge your student loans
Avvo Legal Guide
How to Discharge Taxes in Bankruptcy
Avvo Legal Guide
How to File Bankruptcy Without Losing Your Home Manual
Nick C. Thompson
Speaking Engagements
CFPB and Foreclosure Litigation the New Rules, NBI Seminars, Wisconsin
Fair Debt Collection Practices Act and Bankruptcy, NBI seminars, NACBA and NBI, Wisconsin
Bankruptcy and Mortgage Defense, Lorman Education Services
Distinguished Staff Educator since 2010
Websites & Blogs
Website
Bankruptcy & Foreclosure Attorney Website
Blog
Louisville Bankruptcy & Foreclosure Law Blog
Videos
Our office Louisville Kentucky Bankruptcy Foreclosure Attorney

Our office

The idea of bankruptcy is to allow the debtor to have enough property to obtain a fresh start and a new chance at life. The retirement exemptions allow you to... Bankruptcy Exemptions How to keep property in your Bankruptcy and not lose the home to the Trustee

The idea of bankruptcy is to allow the debtor to have enough property to obtain a fresh start and a new chance at life. The retirement exemptions allow you to...

Debt Management companies often file bankruptcy themselves or close after you have paid them leaving you owing the debt. Ameridebt and other companies used this model scam. You often pay... Debt Settlement is often a scam This video compares debt management plans to Chapter 7 13 Bankruptcy

Debt Management companies often file bankruptcy themselves or close after you have paid them leaving you owing the debt. Ameridebt and other companies used this model scam. You often pay...

Did you Trust the Mortgage Bankers Lawyer for Foreclosure Advice? They will always tell you how to lose your case. They will never tell you how to win your case... Do you really trust the Bank's Lawyer for Foreclosure Advice on how to stop a foreclosure?

Did you Trust the Mortgage Bankers Lawyer for Foreclosure Advice? They will always tell you how to lose your case. They will never tell you how to win your case...

If your plan pays less than 100% every Chapter 13 Debtor must send a copy of the income tax return to the Trustee with a Budget. Use the old budget... Filing an Annual Budget & tax return for a Chapter 13 Trustee & Bankruptcy Court in Western Kentucky

If your plan pays less than 100% every Chapter 13 Debtor must send a copy of the income tax return to the Trustee with a Budget. Use the old budget...

When you are served with the foreclosure complaint you only have 20 days to respond. The bank is making a financial decision to make the most money possible by foreclosing... How to defend a foreclosure and save your Kentucky home Download our book and see our website.

When you are served with the foreclosure complaint you only have 20 days to respond. The bank is making a financial decision to make the most money possible by foreclosing...

People who file a Chapter 13 often become sick or injured after they file bankruptcy. They can file behind and need to catch back up or refile their Chapter 13.... How to defend a motion to terminate the stay or to dismiss after multiple filings.

People who file a Chapter 13 often become sick or injured after they file bankruptcy. They can file behind and need to catch back up or refile their Chapter 13....

Generally you have to 1) wait three years after the return became due 2) file the return more than 2 years before you file bankruptcy and 3 have no assessment... How to discharge income taxes in Bankruptcy

Generally you have to 1) wait three years after the return became due 2) file the return more than 2 years before you file bankruptcy and 3 have no assessment...

There are a fes simple steps I outline on my website how people can get a high FICO score after filing bankruptcy. Most of your debts will be listed as... How to get a 725 Credit score after filing bankruptcy

There are a fes simple steps I outline on my website how people can get a high FICO score after filing bankruptcy. Most of your debts will be listed as...

If your Chapter 13 plan payment is too high it can be modified and lowered if your income decreases. Every plan has a minimum it must repay to cover admisitrative... How to lower your Chapter 13 Bankruptcy payment or get the early hardship Chapter 13 discharge

If your Chapter 13 plan payment is too high it can be modified and lowered if your income decreases. Every plan has a minimum it must repay to cover admisitrative...

What exactly happens to a spouse or co signer when you file bankruptcy and their property. How do you protect them as much as possible. Download our book on how... How to protect a spouse or cosigner if you file Bankruptcy in Louisville Kentucky

What exactly happens to a spouse or co signer when you file bankruptcy and their property. How do you protect them as much as possible. Download our book on how...

Planning your bankruptcy is important. If you have a car home or boat should you reaffrim, redeem or surrender it. Here is why and how to properly chose which option.... Keep property in Chapter 7 Bankruptcy whether you should reaffirm redeem or surrender property

Planning your bankruptcy is important. If you have a car home or boat should you reaffrim, redeem or surrender it. Here is why and how to properly chose which option....

Three different federal reserve studies show your credit actually improves after you file bankruptcy. Your credit score goes up not down. That is because debts are reported as closed accounts... Life after Bankruptcy. Three different Federal studies show you have better credit and more worth.

Three different federal reserve studies show your credit actually improves after you file bankruptcy. Your credit score goes up not down. That is because debts are reported as closed accounts...

Louisville Kentucky Bankruptcy Foreclosure Attorney Louisville Kentucky Bankruptcy Foreclosure Attorney

Louisville Kentucky Bankruptcy Foreclosure Attorney

Your Chapter 13 is supposed to be affordable. Often debtors make the mistake however of leaving out necessary and reasonable expenses. Leaving out these expenses will make a Chapter 13... Make your Chapter 13 plan payments or Chapter 7 affordable. What are the forgotten expenses.

Your Chapter 13 is supposed to be affordable. Often debtors make the mistake however of leaving out necessary and reasonable expenses. Leaving out these expenses will make a Chapter 13...

Student loans can be made affordable and manageable. In some cases you may qualify for the undue hardship discharge in bankruptcy. About 500 to 600 people every year discharge their... Managing or discharging your student loans in and out of bankruptcy. Here are the strategies.

Student loans can be made affordable and manageable. In some cases you may qualify for the undue hardship discharge in bankruptcy. About 500 to 600 people every year discharge their...

Over 90% of people qualify for Chapter 7 bankruptcy but how do you pass the means test. The often forgotten allowable expenses are on our website but there are other... Means Test and qualifying for Chapter 7 Bankruptcy

Over 90% of people qualify for Chapter 7 bankruptcy but how do you pass the means test. The often forgotten allowable expenses are on our website but there are other...

1) Bankruptcy can pay 0 zero back to creditors 2) Bankruptcy is a court order from a federal judge you dont have to beg 3) Bankruptcy places you into control... Nine reasons Bankruptcy is better than debt settlement or management

1) Bankruptcy can pay 0 zero back to creditors 2) Bankruptcy is a court order from a federal judge you dont have to beg 3) Bankruptcy places you into control...

Bankrutpcy court allows you the perfect place to sue creditors back in federal court. A debtor who is a victim of Fair debt collection practices act violations, fair credit reporting... Suing your creditors in Bankruptcy for FDCPA, FCRA and contempt of the stay or discharge violations

Bankrutpcy court allows you the perfect place to sue creditors back in federal court. A debtor who is a victim of Fair debt collection practices act violations, fair credit reporting...

The automatic stay is a temporary order which does not allow collections during a pending bankruptcy. The stay is only temporary but in a 13 that stay lasts 5 years... The automatic stay and discharge in bankruptcy allows you to sue creditors who attempt to collect.

The automatic stay is a temporary order which does not allow collections during a pending bankruptcy. The stay is only temporary but in a 13 that stay lasts 5 years...

Why you don't listen to the Mortgage Company Attorney The Mortgage Company Attorney

Why you don't listen to the Mortgage Company Attorney

There is nothing wrong in selling property or converting property before you file bankruptcy. You may not be able to keep 25,000 in the bank and file a Chapter 7.... Transfering property before filing bankruptcy fraudulent and preferential transfers. See our website

There is nothing wrong in selling property or converting property before you file bankruptcy. You may not be able to keep 25,000 in the bank and file a Chapter 7....

Zombie Debt Collectors will often buy debts which are past the statute of limitations or that have been discharged in bankruptcy and then attempt to collect the debt. You can... We sue or end Zombie Debt Collections. Download our book on how to file bankruptcy properly

Zombie Debt Collectors will often buy debts which are past the statute of limitations or that have been discharged in bankruptcy and then attempt to collect the debt. You can...

Income Taxes can be discharged in bankruptcy after 3 years if you properly filed the returns. Student loans can sometimes be discharged because some of them are not from qualified... What are the non dischargeable debts in bankruptcy? Can I discharge them anyway? Sometimes you can!

Income Taxes can be discharged in bankruptcy after 3 years if you properly filed the returns. Student loans can sometimes be discharged because some of them are not from qualified...

The 341 questions you will be asked are on our website just look it up. But these questions normally are simple and harmless. The Chapter 7 or Chapter 13 Trustee... What is the 341 hearing for my bankruptcy and what questions will I be asked?

The 341 questions you will be asked are on our website just look it up. But these questions normally are simple and harmless. The Chapter 7 or Chapter 13 Trustee...

Chapter 7 is for debtors who largely have little or no assets and income. Over 95% of consumers will qualify for a Chapter 7 which is the quickest and cheapest... Which is better Chapter 7, 11 or 13 Bankruptcy see the differences

Chapter 7 is for debtors who largely have little or no assets and income. Over 95% of consumers will qualify for a Chapter 7 which is the quickest and cheapest...

Legal Answers
45 Questions Answered
Q. I am considering a chapter 7 bankruptcy. Do i stop personal loan pymnt thru my bank or loan co? Do i tell my loan co?
A: I fail to see any benefit in telling your bank or lender that you are filing before you file. You would give them information that is probably not helpful to you. They are certainly not going to tell you how to not pay them or how to sue them. I would go to the bank and issue a stop payment.
Q. I was put on my mothers car title when she purchased her lease buyout in 2022, I was removed in April 2024, an issue?
A: Absolutely, this is a problem. You gave her your ownership interest in the car. You have some exemptions that allow you to keep your car. But if you give property away before filing, it becomes a fraudulent transfer, and you now have no exemption that allows you to keep the auto. The auto is no longer yours, so you can't use the exemption to protect it.
Q. CAN I KEEP MY CAR IF IT HAS A LIENHOLDER? I WANT TO KEEP THE CAR BUT GET RID OF THE LOAN WITH THE LIENHOLDER.
A: When you use the car as security the lender ends up with an ownership interest in the car. If you file bankruptcy you can normally still pay the loan and keep the auto. There are no free cars or homes in bankruptcy. The only exception I know of is occassionally the lender forgets to file the lien or mortgage. But then the Trustee owns the home or car if you file bankruptcy. He is the same as a creditor who has sued you at the time of your filing and attached your property. Exemptions allow you to keep some equity. The exemption for a car in Kentucky is 4500 dollars. So if the auto is worth less than 4500 or has less than 4500 in equity you would keep the auto even if there was no lien. The short answer is you generally dont get to keep the auto unless you pay the secured creditor. If you owe more than the book value for the auto you can look at redeeming the auto from the lender by paying the book value and keeping the auto. ... Read More
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Contact & Map
The Law Office of Nick C. Thompson
800 Stone Creek Parkway Suite 6
Louisville, KY 40223
Telephone: (502) 625-0905
Fax: (502) 625-0940
Monday: 9 AM - 5 PM
Tuesday: 9 AM - 5 PM
Wednesday: 9 AM - 5 PM
Thursday: 9 AM - 5 PM
Friday: 9 AM - 5 PM
Saturday: Closed
Sunday: Closed (Today)
Notice: We have evening and weekend appointments sometimes available by appointment.
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