Financial Debt Doesn’t Have to Be a Life Sentence
If you are buried under a load of excessive debt, it’s hard to think of anything else. Every phone call and every trip to the mailbox may be a reminder that you can’t make payments. It’s a daily exercise in frustration.

If you have found yourself in a difficult financial situation, you may have more options than you think. At RAUF & SMITH, we can help you overcome your debt-related anxiety. Attorney Thomas A. Rauf offers experience helping clients who are searching for a way to start over. From personal bankruptcy to tax negotiations, it is time to take action.

If you are struggling with debt, contact a Northern Kentucky Bankruptcy Attorney or call us at 859-474-1130 or fill out our contact form for a free initial consultation. From our offices in Covington, Kentucky, our law firm helps individuals, families and business owners throughout Northern Kentucky.

We Focus on Getting You Out of Debt
To serve you better, we focus our practice on debt relief and tax controversies, including:

Chapter 7 bankruptcy: When you file Chapter 7 bankruptcy you may be able to eliminate your unsecured debt, like credit cards and personal loans, while keeping your house and car. more details

Chapter 13 bankruptcy: By filing for Chapter 13, you can restructure your debt and tax obligations into a convenient and affordable monthly payment. more details

Bankruptcy alternatives: Bankruptcy may not be the best option for you. We can discuss debt relief alternatives to bankruptcy, including loan modifications. more details

Personalized Attention to Every Detail of Your Case
When you come to Rauf & Smith, in Covington, Kentucky, you will speak directly with your attorney. Larger firms will often pass your case on to a legal assistant. At Rauf & Smith, however, your case will be handled by our lawyer personally throughout the entire process.

Call a Covington, Kentucky, Debt Relief Attorney for a Free Initial Consultation
If you are seeking help with debt relief, contact a Covington, Kentucky debt relief attorney or call us at 859-474-1130 or fill out our contact form for a free initial consultation.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.