Bankrupcty and Legal Resources

We have included a few useful links to external websites to help you find what you are looking for:

Please note that David Kruer & Company, LLC is not liable for the content of external websites. Following the links to external websites implicitly constitutes acknowledgement and acceptance of this agreement.

Chapter 13 Payment Address

Chapter 13 payments for Cincinnati, Ohio cases should be made by signing up online at with TFS Bill Pay or be addressed and mailed as follows:


Chapter 13 Trustee

PO Box 290

Memphis, TN 38101


Only send money orders or certified checks to the Trustee. Include your case number and last name on the money order or certified check.

Credit Counseling and Debtor Education Courses

Section 109(h) of the Bankruptcy Code requires that all individuals must take a mandatory credit counseling course prior to filing for bankruptcy and a debtor education course shortly after the case has been filed. 


The credit counseling course may be taken at: or by calling 866-719-0400 or by calling 1-800-610-3920

Or any other approved agency you may find!


The debtor education course may be taken at: or by calling 866-467-4147 or by calling 1-800-610-3920

Or any other approved agency you may find!


Bankruptcy Law Update


Department of Justice and Department of Education released new guidance regarding Brunner v. New York State Higher Education (Student Loan Discharge)


On November 17, 2022, the Justice Department, in consultation with the Department of Education, will review the information provided, apply the Brunner factors that courts consider relevant to the undue-hardship inquiry, and determine whether to recommend discharge or where appropriate, the Justice Department will consider supporting a partial discharge.


Present Ability to Pay – Using existing standards developed by the IRS and the information provided by the debtor, the Justice Department attorney will calculate a debtor’s expenses and compare those expenses to the debtor’s income. If a debtor’s expenses equal or exceed the debtor’s income, the Department will determine that the debtor lacks a present ability to pay.


Future Ability to Pay – The Department will then assess whether the debtor’s present inability to pay is likely to persist in the future. The Department attorney will presume a debtor’s financial circumstances are not likely to change if certain factors—such as retirement age, disability or chronic injury, protracted unemployment history, lack of degree, or extended repayment status—are present. Where such factors are not present, the Department attorney will assess the facts showing whether the debtor’s present inability to pay is likely to persist.


Good Faith Efforts – In assessing what courts call the “good faith” standard, the Department will focus on objective criteria reflecting the debtor’s reasonable efforts to earn income, manage expenses, and repay their loan. The Department attorney will consider, for example, whether the debtor contacted the Department of Education or their loan servicer regarding payment options for their loan. A debtor will not be disqualified based on past non-payment if other evidence of good faith exists. A debtor also will not be disqualified based on their not enrolling in an income driven repayment plan where the debtor was deterred from participating in such a plan or otherwise provides a reasonable explanation for nonenrollment.


Sixth Circuit issues ruling (In re Underhill - 13-4195)

On September 10, 2014 the Sixth Circuit issued a ruling clarifying what law suits may or may not become property of a bankruptcy estate. In this case the Debtors operated a business when they filed a chapter 7. Subsequent to filing the case the Debtors, as representatives of the business sued another company for tortious interference with a contract. The Debtors recovered a substantial amount of money in this law suit. A creditor of the Debtors' business sought to have the settlement funds turned over to the Chapter 7 Trustee for disbursement to the Debtors' creditors. The Sixth Circuit ruled that since the Debtors' cause of action arose after the chapter 7 was filed that the proceeds from the law suit were not property of the bankruptcy estate and thus not available for distribution to creditors by the chapter 7 trustee.


Keep Up to Date 
Check back regularly to stay informed of landmark decisions and relevant proceedings, as well as news from our legal offices. 


Recent Bankruptcy Law Developments 

Office Locations

Covington, Kentucky 

118 West Fifth Street, Ste E.

Covington, KY 41011


Phone (859) 291-7213

Fax 859-291-6513


Portsmouth, Ohio 

800 Gallia Street, Ste 28

Portsmouth, Ohio 45662


Phone (740) 354-4483

Fax 740-354-7780


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Recent Legal Developments in Bankruptcy - Resources

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