Bankruptcy Law

Bankruptcy can be an unsettling topic, but the reality is that millions of individuals and businesses have benefited from bankruptcy proceedings. Seeking to have an unpayable debt discharged or restructured can be a lengthy and complicated process, but the attorneys at Ziegler & Schneider are well-versed in bankruptcy law and stay apprised of the current trends so they can help you reduce financial stress and work toward achieving financial stability.

Our attorneys have over 30 years of experience providing representation for thousands of Chapters 7, 11, 12 & 13 bankruptcy cases. We have experience representing debtors such as farmers, individuals, and businesses, as well as representing creditors such as landlords and banking institutions.

Our attorneys are licensed to represent parties in both Kentucky & Ohio and have gained a wealth of experience providing representation in federal bankruptcy courts.

In the course of representing individuals seeking bankruptcy law protection who primarily have consumer debts, our firm constitutes a Debt Relief Agency as defined in 11 U.S.C. §§ 526, 527 and 528.

Our firm assists individuals with filing all types of bankruptcy.

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Our Bankruptcy Attorneys can assist you with

Sometimes thought of as traditional bankruptcy or liquidation bankruptcy, a debtor does not have the income necessary to satisfy their debts, so they seek to have certain debts discharged. If the debtor does have some income that can be applied to their debts, Chapter 11 or Chapter 13 may be more appropriate.

Businesses like corporations, limited liability companies, and partnerships are able to pay their debts, but request to have payments restructured either by being provided more time for payoff, or by having a portion of their debt discharged in order to achieve more manageable payments.

Farmers and commercial fisherman who are unable to pay their debts but seek to continue operating can have payments restructured based on their seasonal earning schedule.

The individual debtor or married couple is able to pay, but requests to have payments restructured either by being provided more time for payoff, or by having a portion of their debt discharged in order to achieve more manageable payments.

Creditors, such as lenders and landlords, have rights that allow them to maximize recovery of their losses. Creditor’s Rights also determine which of multiple creditors will have the strongest claim for repayment.

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More About Our Bankruptcy Services

Not sure Bankruptcy is right for you?

Consult with one of our experienced attorneys to determining if bankruptcy is the proper choice for you by reviewing the different types of bankruptcy and the benefits of each. Once you have determined that bankruptcy is a viable option for you, our attorneys will guide you through every step of the process.

Why should you be considering Bankruptcy?

  • To provide relief to individuals and married couples from the demands imposed by banks and other creditors that impair your ability to protect your family, education needs for your children, your home, car and employment
  • To financially reorganize your businesses while keeping the business viable and allowing people to keep working
  • To allow farmers to reset debt obligations and allow you to keep the family farm.

What Our Clients Say

I just wanted to say how much I appreciated all the hard work Matt Smith and his associates did on my behalf.  The compassion everyone showed was amazing and comforting!  I will highly recommend Ziegler & Schneider to all my family and friends.  Thanks again!

—Mary Garcia

Matt and I have been working together for several years, and I have had the pleasure of assisting his clients on several intellectual property matters.  Matt is a true professional with a passion for helping his clients.  His bedside manner is superb as is his intellect and knowledge of the law.  I highly recommend Matt and his firm.

—Vance VanDrake

Thank you for the excellent preparation work by Jessica (Wehrman) and the efficient closing process with you, Catherine (Stavros).

—Client Review

I’ve had the pleasure of working on a case with Matt for the last year.  He is as professional as they come, very bright, and very deliberate in his words and actions.  You can count on him to provide sound, well-reasoned advice.  He has a cool, calm, relaxed temperament as well.  He is a highly respected and highly skilled advocate.  

—Justin Sanders

Michael Baker is a wonderful lawyer for bankruptcy issues. He really helps the consumer through the bankruptcy with dignity.

—Client Review

Matt (Smith) helped my mother update her estate documents following a series of medical issues.  He was kind, patient, and compassionate.  He listened to her desires, clearly explained her options, and prepared the requested documents in a timely manner.  He reviewed exactly what was being implemented with direct and understandable language.  My mother was pleased with Matt’s caring professionalism and that her end-of-life wishes would be honored.

—Bill Noggin

Jeff (Blankenship) and his team are amazing!  From the moment they became involved in my son’s case, all I had to worry about was getting him the treatment he needed.  Every step was explained, and every problem was handled.  They made us feel more like family than a case or number.

—Client Review

Matt Smith and the team Z&S Law have been tremendous in helping my business and family thru a 2-year transition phase, their response time has been impeccable!  I would highly recommend Matt Smith and his team at Z&S for all business and personal legal needs.

—Brian Bush

After knowing Jeff (Blankenship) for many years and overpaying for legal services to gain custody of my kids, I finally gave Jeff a try.  Jeff was able to save me money and complete the task of gaining custody of my kids.  Now, years later, he is always attentive to my calls and treats me like a friend instead of just a client.  Highly recommend, and my only regret was not hiring him earlier.

—Client Review

I’ve known Jeff (Blankenship) for many years.  When I started going through my divorce, he was the first I reached out to.  To my surprise, his first advice was to try to repair the marriage, if at all possible.  Unfortunately, that was not an option, but Jeff stuck by my side and helped me through all the emotional and financial burden that a divorce can place on you.  He was even able to get creative with the payment options, which was an enormous help in such a financially stressful time.  Our friendship has only grown from this experience, and we continue to work together even though my divorce is finalized.

—Client Review

Awesome attorneys! Staff is superb. Could not ask for any better!

—Therese Duignan

Matt (Smith) was friendly and professional.  The office staff were helpful and friendly.  I would certainly recommend and use the firm’s services again.

—Client Review

If anyone needs a competent, honest, and knowledgeable lawyer then Jeff Blankenship is your man.  I was going to lose my case in court until Jeff Blankenship became my lawyer.  He turned everything around and saved the day.  He is wise beyond his years and has extensive knowledge of the law and the capability to argue it well before the judge with good character, which is so rare in this day and age, and amazing reasoning.  He works hard for his clients and has a brilliant mind that knows what to present to the judge and exactly how to word it.  I cannot say enough good about this man.  He is truly one of the greatest lawyers, in my opinion, of all time!

—Sheila Ridler

Matt (Smith) was prompt, professional, and resolved a last-minute legal issue for my company perfectly.  I was pressed for time, and needed a quick resolution to a situation.  Matt reviewed the matter via email, and within a few hours responded with an amazingly on-point analysis and recommended an effective course of action.  I was fortunate to have been referred to him, and highly recommend him for business law.

—Client Review

It has been a pleasure working with Matthew Smith on several estate planning/trust matters over the course of the past two years.  Matthew is very knowledgeable and diligent in representing his clients.

—Michael Ruberg


Not sure Bankruptcy is right for you?

Congratulations, Michael L. Baker, Author!

Michael L. Baker Z&S Law is so proud to acknowledge their own Michael L. Baker, Author!  In May of 2022, Mike was published in the *Bench and Bar Magazine: May 2022 with his article "Student...

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By:  Michael L. Baker According to CNN Business, American households are carrying record amounts of debt as we emerge from the Covid crises. People have been using their credit cards more often...

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Contact Us To See How The Attorneys At Z&S Can Assist You With All Of Your Legal Needs

541 Buttermilk Pike, Suite 500
P.O. Box 175710
Covington, KY 41017-5710

Tel: 859-426-1300
Fax: 859-426-0222

Office Hours:
8:30 am–5:00 pm

If you have questions, need to advice of a trusted counselor, or simply do not know where to turn, our team is here to help. Contact us today to schedule a free consultation.

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