Bankruptcy & Social Security Disability



We’ve been practicing law since 1983 and are passionate about fighting for those who are experiencing adversity. We concentrate in two areas of law: Bankruptcy and Social Security Disability. Since we are a small, sole proprietor law office, we can offer our clients personal attention. You can always speak to the attorney about your case, and you will never be ignored or passed off to someone else. We are committed to keeping legal costs low and offer flexible payments, so you can get the legal assistance you need to move on with your life. If you need an affordable bankruptcy attorney, contact us today!

The Law Office of Roger W. Howland – giving Cincinnati & Northern Kentucky families a fresh start.

Roger W. Howland is an experienced, affordable bankruptcy attorney, concentrating in Chapter 7 bankruptcy and Chapter 13 bankruptcy cases for clients in Northern Kentucky, as well as providing Social Security Disability attorney services for clients in the Greater Cincinnati area (Southwest Ohio and Northern Kentucky).

Roger W. Howland is a member of the Northern Kentucky Bar Association and the Kentucky Bar Association.

Good News for Kentucky Bankruptcy Filers

Kentucky has allowed the use of Federal exemptions. For example, a couple may exempt out of $43,250 equity in their residence versus $10,000 under (State) Kentucky exemptions.

The Law Office of Roger W. Howland not only offers more than 30 years of bankruptcy filing experience, but the lowest attorney costs in the area.

Click here to see our fees and get more information.

Contact us for a free consultation

Let us help you get the resources you need to move on with your life

Frequently Asked Questions

Bankruptcy Chapter 7 and Chapter 13 Filing Fees

At the Law Office of Roger W. Howland, we not only offer over 30 years of bankruptcy filing experience, but also the lowest attorney costs in Northern Kentucky. For example: A regular Chapter 7 bankruptcy is $460 for attorney fees to complete and file the bankruptcy petition. This is the whole attor
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Similarities Between SSD and SSI

It’s sometimes confusing to differentiate between SSD (Social Security Disability Insurance) and SSI (Supplemental Security Income). Here are some similarities: Both programs provide monthly income to individuals who cannot work because of a disability Both are administered by the Social Secur
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Credit Counseling: A Bankruptcy Requirement

In order to file a Chapter 7 bankruptcy you are required to obtain a credit counseling certificate through an approved credit counseling provider. This is a required document and must be obtained before we can file. Our office will help you with this requirement, which can be taken at your leisure e
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Why Would I File a Chapter 13 Bankruptcy?

There are many reasons why an individual would choose to file a Chapter 13 bankruptcy. Some choose to file by choice and others because they have no alternative. Often people will file a Chapter 13 bankruptcy to reinstate their mortgage and stop a foreclosure. Generally you can reinstate your home u
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I Can’t Afford My Second Mortgage. Is There Anything I Can Do?

Believe it or not you may be able to get rid of your second mortgage through the filing of a Chapter 13 bankruptcy and keep your house! The Bankruptcy Code, as interpreted by the courts, allows many individuals to strip off (discharge) second mortgages in a Chapter 13 bankruptcy if the property is w
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Filing for Bankruptcy: The Next Step

Once your bankruptcy petition and schedules are completed you will receive a call and/or a letter from your attorney informing you of the next step you need to take. The call will inform you of any information you still need to provide to your bankruptcy attorney when you make your appointment. YOU
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My Chapter 13 Bankruptcy Is Filed. Now What?

Within a few days of your Chapter 13 bankruptcy filing you will receive information from the bankruptcy court and from your Chapter 13 trustee. The Chapter 13 trustee will introduce and briefly explain the Chapter 13 process, where and how you need to make payments and the date your payments are due
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Appealing an SSD/SSI Claim

If you have been denied Social Security Disability benefits or Supplemental Security Income, it would serve you well to contact an attorney immediately. The appeal process can take a while, but the staff of Roger W. Howland’s law office can help move your case along. We can help you quickly ga
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Filing an SSD/SSI Claim Right the First Time

Many times when people first apply for SSD/SSI, their case is denied because not all the necessary information was provided, or documents were missing. This does not mean that you are not disabled. Because the laws are complex and submitting a claim can be confusing, it is advisable to have an attor
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Supplemental Security Income

SSI – Supplemental Security Income – is a federal benefit program available to those who are totally disabled and whose income and assets fall within certain limits. No previous work history is required for SSI.
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Disability Burden of Proof

It is also very important for you to understand that you share the burden of proof in presenting your claim for disability. It is not the Social Security Administration’s sole responsibility to prove your claim for you or to help you prove your claim. If there is insufficient evidence presented to p
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Automatic Stay and Discharge Injunction

As with a Chapter 7 bankruptcy, a Chapter 13 bankruptcy also gives individuals filing for bankruptcy the protection of the automatic stay and the discharge injunction.
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Life During a Chapter 13 Bankruptcy

As long as you continue to make your monthly Chapter 13 payments as they become due you should not have any problems with your bankruptcy. You will have certain responsibilities and reporting requirements while you are in your bankruptcy: You will need to keep your attorney informed of any change in
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First Meeting of Creditors

Your court date is referred to as a meeting of creditors and normally occurs approximately 30 to 45 days after your Chapter 13 bankruptcy has been filed. The meeting of creditors is required under the Bankruptcy Code and it is a chance for your creditors to ask you questions. The goal behind their q
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The Signing Appointment

After we have prepared the Bankruptcy Petition and Plan we will call you for an appointment to sign. At your signing appointment your bankruptcy petition and schedules will be explained to you in detail. We will review with you, your Chapter 13 bankruptcy petition and schedules for accuracy. If any
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Debtor’s Education: Another Bankruptcy Requirement

Shortly after the filing of your case you will receive your bankruptcy notice telling you when and where your meeting of creditors will take place. Generally you and your spouse (if they filed with you) will need to show up at this court date, unless you are excused by the trustee due to reasons of
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What Is a Reaffirmation Agreement and Why Do I Need It for My Chapter 7 Bankruptcy?

Many individuals who file for Chapter 7 bankruptcy protection own vehicles, boats, homes, and other items that act as security for a lender’s debt. Under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 — the most recent change in the Bankruptcy Code — individuals are required to
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The Meeting of Creditors: Will They All Be There?

The meeting of creditors will generally be set approximately 30-45 days after your case has been filed. Although it is called a meeting of creditors, they rarely show up. The people in attendance at your meeting of creditors are normally the Chapter 7 trustee, other bankruptcy attorneys, and other i
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I Can’t Afford to Make My Chapter 13 Bankruptcy Payment

If you are not able to make your Chapter 13 payment then you should contact your bankruptcy lawyer. If you are earning less money or have increased monthly expenses it may be possible to lower your monthly payments. If you lost income because you were laid off, had an extended illness, or otherwise
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