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Kentucky — Eastern District

Bankruptcy in Boone County, KY

Boone County residents file in the U.S. Bankruptcy Court, Eastern District of Kentucky — Covington Division. Here's exactly what that means for your case, your 341 meeting, and your local options.

Your Filing Court: Covington, Kentucky

All Boone County bankruptcy cases are handled by the U.S. Bankruptcy Court for the Eastern District of Kentucky, Covington Division. This is the court located at 35 W. Fifth Street in Covington — a short drive from Burlington, Florence, Walton, and other Boone County communities.

Boone County is one of the fastest-growing counties in Kentucky, and the Covington court sees a significant volume of cases from Boone residents, particularly Chapter 7 filings related to medical debt and credit cards, and Chapter 13 cases from homeowners in the Florence and Burlington areas trying to save homes from foreclosure.

Boone County-Specific Details

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Boone County Local Quirk — Check In Before Your 341 Meeting: When attending your 341 meeting at the Covington courthouse, you must check in with the clerk's office on arrival — even if you've received written instructions with a room number. Plan to arrive at least 15–20 minutes early. Trustee dockets on Tuesdays and Thursdays fill quickly.
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Boone County Homeowners: If you've received a foreclosure notice from Boone Circuit Court, you have a limited window. Kentucky foreclosures can reach judgment in 90–120 days. Filing Chapter 13 before judgment is entered gives you the most protection. After judgment, options narrow significantly.

Filing Steps for Boone County Residents

1

Complete Credit Counseling Online

Must be completed within 180 days before filing. Use any DOJ-approved provider. Cost: $10–$50. You'll need the certificate when you file your petition.

2

Gather Your Documents

Tax returns (2 years), pay stubs (6 months), bank statements (3 months), all loan/credit statements, property records, vehicle titles, and any lawsuit or garnishment paperwork you've received.

3

File at Covington or via PACER

In-person filing: 35 W. Fifth Street, Covington, KY 41011. Clerk's window: Mon–Fri, 8:30am–4:30pm. Bring your petition, schedules, and $338 filing fee (Chapter 7) or $313 (Chapter 13). Electronic filing via PACER/CM-ECF if represented by an attorney.

4

Automatic Stay Begins Immediately

Your case number is your shield. Provide it to employers, creditors, and courts immediately to stop garnishments and collection activity.

5

Attend 341 Meeting in Covington

Room 106, 35 W. Fifth Street, Covington. Bring original driver's license + original Social Security card (no copies accepted). The trustee will ask basic questions about your assets and petition. Typical duration: 5–10 minutes.

Boone County Bankruptcy FAQ

Both are roughly the same distance — about 15–20 minutes on I-71/75 north from Florence or Burlington to downtown Covington. Parking near the courthouse (35 W. Fifth Street) is available at the Madison Avenue garage or metered street spots. Plan extra time for downtown Covington traffic, especially on weekday mornings.
Chapter 7 trustees in the Covington division include Phaedra Spradlin and William Lawrence, among others — cases are assigned randomly. Chapter 13 cases in the Covington division are handled by the Chapter 13 Trustee's Office out of Lexington. The specific trustee assigned to your case will be listed in your court notices after filing.
Kentucky's homestead exemption is only $5,000 ($10,000 if married). If your home equity exceeds that amount, the Chapter 7 trustee could theoretically sell it. However, most Boone County Chapter 7 filers either have little or no equity (because of the mortgage balance) or choose Chapter 13 specifically to protect the home. If you have significant equity and want to keep your home, Chapter 13 is almost always the better choice.
Yes. The Legal Aid Society of Greater Cincinnati serves Northern Kentucky residents including Boone County. Call (513) 241-9400 — eligibility is income-based (generally 200% of the federal poverty level). Demand is high; call early in the week and expect possible wait times. The NKY Bar Association (859-781-1604) also makes attorney referrals for paid consultations at reduced initial rates.

Boone County Quick Reference

Court:EDKY — Covington Division Address:35 W. Fifth St, Covington KY 41011 Phone:(859) 392-7900 Hours:Mon–Fri, 8:30am–4:30pm 341 Room:Room 106 Ch. 7 Fee:$338 (waiver possible) Ch. 13 Fee:$313 KY Homestead:$5,000 ($10K married) KY Vehicle:$2,500 equity Median (1 person):~$53,000/yr Legal Aid:(513) 241-9400 NKY Bar:(859) 781-1604
Official Court Website → Estimate Your Costs Download Filing Checklist

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