Louisville Polar Plunge

Louisville Polar Plunge - Spalding & SpaldingThis February in Louisville, residents and visitors can brave the cold and participate in an exciting event for a great cause!

This year marks the 15th year that the Louisville Polar Plunge has been raising money for the Special Olympics. Since its inception, the Polar Plunge has become one of the Special Olympics’ largest fundraisers, raising over $5 million for Special Olympics programs in Kentucky.

At the Polar Plunge, participants will be “Freezin for a Reason.” [Read more…]

Explore Louisville on the Trolley Hop

Louisville TrolleyLouisville is the place of beautiful, historic architecture and neighborhoods. Connecting several of those neighborhoods in Frankfort Avenue.

Frankfort Avenue connects St. Matthews, Clifton, and Crescent Hill. Bursting with character, The Avenue boasts numerous charming and unique shops, boutiques, studios, galleries, and more. These attractions include libraries, parks, and attractions like the American Printing House for the Blind. The Avenue is also a culinary center, with over 30 great restaurants occupying a 2.5-mile length of road.

On the last Friday of every month, you have the chance to explore Clifton, Crescent Hill, and Butchertown on a trolley starting at Frankfort Avenue. The trolley ride is completely free and runs from 6-10p.m. The trolley runs along Frankfort Avenue, Mellwood, and Story Avenue. [Read more…]

Louisville Orchestra presents Hollywood classics

Louisville Orchestra - Spalding & SpaldingLouisville is more than just the Kentucky Derby. We have a vast array of cultural and civic events to entertain and educate residents and visitors alike. The Louisville Orchestra is one beloved part of the Louisville arts community, and it’s hosting yet another exciting musical event.

On Thursday, January 24th, the Louisville Orchestra will present “Classics Goes to the Movies.” The show will feature a tour of favorite songs and scores from classic Hollywood movies. Movie-goers and music buffs will both enjoy listening to performances of these familiar songs.  [Read more…]

Bankruptcy Checklist

Bankruptcy Checklist - Spalding & Spalding Bankruptcy Attorneys - Louisville, KYWhen thinking about filing for bankruptcy, most people are overwhelmed or even lost. How do you know if bankruptcy is right for you? On top of that, there are several types of bankruptcy—how do you know which type you should file, or if you even qualify?

Bankruptcy could be the solution that helps you solve your financial troubles and get back on track. However, filing for bankruptcy is a big decision that should be given some thought. If you’re thinking about bankruptcy, the items below are the things that should be on your checklist.  Discuss these with your bankruptcy attorney to make sure that bankruptcy is right for you: [Read more…]

Former baseball star receives jail time for bankruptcy fraud

Former baseball star files for bankruptcy - Spalding & Spalding Bankruptcy Attorney - Louisville, KYFiling for bankruptcy has helped many people recover from a tough financial situation. Most people, in fact, can get back to normal after a bankruptcy; it just takes time. As I’ve talked about before, bankruptcy is designed to help an honest person get out of debt.

But what happens when a person that’s not honest files for bankruptcy to resolve their debt issues?

A recent CNN article reports the outcome of former baseball star Lenny Dykstra’s bankruptcy fraud case. Lenny Dykstra, who played for the New York Mets and then became a successful investor, filed for bankruptcy in 2009. Dykstra maintained a lavish lifestyle that he could not support through the housing bust.

In his bankruptcy filing, Dykstra listed his assets at $24.6 million and his debts at $37.1 million. His assets included several multi-million dollar homes. As part of his bankruptcy, Dykstra’s personal property was supposed to be used to help pay off his creditors. [Read more…]

New Year’s Eve Cruise in Louisville

This December, ring in the New Year in style on Louisville’s own Mississippi-style steamboat. The Belle of Louisville is the oldest steamboat of its kind in the country, and she takes Louisville passengers on exciting tours of the river.

The New Year’s Eve Dinner Cruise is a family-friendly event that will celebrate the New Year with a delicious dinner and two-hour cruise. The dinner cruise begins boarding at 4:30pm. on December 31st The boat departs at 5pm and returns at 7pm. Bring your kids for a New Years event that the whole family will enjoy.

Admission to the dinner cruise is $45 for adults and seniors and $30 for children. These prices do not include tax. [Read more…]

Beware of credit card “extras”

To compete in a sea of credit card companies vying for consumers, many companies offer a variety of “extras perks” meant to entice you. These extras might include cash back, mileage rewards, and frequent flyer perks, among others. Some of these extras can be beneficial to the consumer, while some have received criticism for having fine print that makes them impossible to redeem (like black-out dates for redeeming airline miles).

Others, however, go beyond being merely annoying to actually harmful. Certain card-related services pushed on consumers can amount to hundreds of dollars in fees each year—money that few Americans want to pay or can afford.

Often, unsuspecting consumers don’t realize that the extras are unnecessary, have high costs, or even that they were signed up in the first place. Several lawsuits, including one against Capital One Bank, have sought to penalize companies that pressure or mislead consumers into buying extras that they don’t need or want. [Read more…]

Louisville’s Highview Holiday Fest

Louisville has no shortage of exciting and varied events, from the renowned annual Kentucky Derby to smaller events like the upcoming Highview Holiday Fest.

As yet another fun, family-friendly event celebrating the holidays, the Highview Holiday Fest will feature a variety of activities. Come with your kids and family to look at Highview Park’s beautiful decorations, experience horse-drawn carriage rides, listen to carolers, and enjoy the festival’s refreshments. You and your family can also participate in a tree-decorating contest, and kids can visit with Santa Claus. In addition, businesses in Highview will be showcasing their newest holiday goods. [Read more…]

Credit Reports: Your Rights

A credit report is a type of consumer report that contains certain personal information about you. This information includes where you work, where you live, and your history of paying your bills. Your report may also show whether or not you’ve missed credit payments, filed for bankruptcy, been sued, or been arrested.

Businesses are allowed by law (the Fair Credit Reporting Act) to use your credit report when evaluating your applications for credit, insurance, and employment, among other reasons. A court of law can subpoena your report, and child support enforcement agencies can also be given your credit report to determine appropriate child support payments. Other people, such as potential investors, with a legitimate business need to review your credit report can also be given it.

There are three major national credit bureaus: Equifax, Experian, and TransUnion. Each bureau will have a different credit report for you, which may include slightly different information. [Read more…]

Louisville’s 64th Annual Thoroughbred Chorus Holiday Celebration

The holiday season is upon us again, with many entertaining events to experience in Louisville this month.

One such event that you and your family are sure to enjoy is Razzle Dazzle!, the 64th Annual Holiday Spectacular. This uproarious, family-friendly event features two groups of singers to amuse and entertain you.

Comedy quartet Lunch Break will tickle your funny bone, and the Thoroughbred Chorus will amaze you with their vocal stylings. Both groups are esteemed members of the Barbershop Harmony Society. [Read more…]