Kentucky’s Highest-Volume Bankruptcy Firm — Here to Help You Start Over
Over 6,600 cases filed. Two attorneys. One focus: bankruptcy.
Call today for a free consultation — an attorney will often answer directly.
You’re Not Alone — And This Is Fixable
If you’re dealing with wage garnishments, creditor calls, mounting debt, or the threat of losing your home or car, you’re probably exhausted. Maybe embarrassed. Maybe not sure where to start. That’s exactly where most of our clients were when they first called us.
Whitford & Owen is a bankruptcy-only law firm serving clients across Kentucky. We don’t dabble in bankruptcy between personal injury cases or real estate closings. It’s the only thing we do — and we’re very good at it.
Why Kentuckians Choose Whitford & Owen
6,642
Cases Filed
Since 2009, we’ve helped thousands of Kentucky families discharge debt, stop garnishments, save their homes, and get a genuine fresh start.
Bankruptcy.
Nothing Else.
We practice exclusively bankruptcy law. That focus means concentrated experience, faster service, and attorneys who know every wrinkle of the process.
An Attorney Answers the Phone
When you consult with us, you’ll speak directly with an attorney — not a paralegal, not a receptionist. If we miss you, we’ll call back as soon as possible.
Free Consultations
No cost, no pressure. Schedule same-day if you want. We’ll advise whether bankruptcy is the right move for your situation.
Statewide Kentucky Coverage
We file cases throughout the entire state of Kentucky. Wherever you are, we can help.
What We Can Do For You
Filing bankruptcy triggers an automatic stay — immediately stopping most collection actions.
Stop Wage Garnishment
An automatic stay goes into effect the moment you file, stopping most garnishments immediately.
Stop Foreclosure
Filing bankruptcy can halt a foreclosure and give you time to save your home.
Eliminate Credit Card & Medical Debt
Chapter 7 can discharge most unsecured debt, often in just a few months.
Restructure Car Loans
Chapter 13 can allow you to keep your vehicle and reduce what you owe on it.
Stop Creditor Harassment
Once you file, creditors must stop all contact with you. The calls stop immediately.
See If You Qualify — Talk With an Attorney Today
What Our Clients Say
Real results for real Kentucky families.
★★★★★
“Matthew Owens has been nothing short of amazing throughout this whole process. He has went above and beyond in assisting me with any and everything that I’ve needed stemming from this bankruptcy. Highly recommended!! Thank you so much!”
— Client Google Review
★★★★★
“I highly recommend them. They know what they’re doing and they are so cooperative and honest. Thank you for your help.”
— Client Google Review
★★★★★
“Going through a bankruptcy is a very stressful and emotional thing. They made me feel completely at ease and handled everything flawlessly. They stopped the garnishments immediately and gave me my life back. I cannot thank them enough.”
— Client Google Review
Ready to Talk?
You don’t have to figure this out alone. A 10-minute phone call with one of our attorneys could give you more clarity than weeks of worrying. Same-day appointments available.
Or schedule online — free consultation, no obligation.