This website is for advertising purposes only.  Andrea Janovic and James Kidney are not a law firm.  Each attorney is an independent practitioner with offices at 40 East 10th Street, Newport, Kentucky, 41071.

Andrea Janovic

Attorney at Law

Collection Defense

The ways in which debt and collection activity can harm your assets, income and reputation are limitless.  Not taking action when you’re being sued for a debt results in costly judgments and garnishments that can hang over you for years and even result in loss of employment.  The solution is aggressive collection defense.  If you are being sued for a debt you must take fast action to protect your rights and assets!  Don’t delay - Call my office for an appointment so you can obtain aggressive defense of your rights within the time periods applicable under the law.


The reality is, when you have been served with a lawsuit from a creditor, debt collector or debt buyer who is attempting to collect a debt you only have a few precious days to respond correctly, or face losing the case!


Don't make the mistake of thinking you can just call the creditor's attorney and "negotiate a deal."  The creditor wants a judgment - so he can garnish your wages, your bank accounts, put liens on your property - and force you to pay!


What are your rights?  What is the "correct" way to answer the lawsuit?   Call for a free consultation - (859) 391-7218.

Why Hire An Attorney?

Because You Need Help...NOW!


Andrea Janovic

40 E. 10th Street

Newport, Ky 41071

(859) 391-7218

(866) 936-1891 (fax)



Business Hours

Avoid Bankruptcy

When consumers are served with a debt collection lawsuit, many times the first thought that crosses their mind is "should I file bankruptcy to stop the lawsuit and discharge the debt?" While it is true that the filing of a bankruptcy petition would stop the debt collection lawsuit that has been filed against you and, in most circumstances eliminate the debt, bankruptcy may not be necessary.   Many times, with the help of the right attorney, it can be avoided.   Call for a consultation (859) 391-7218.

Violations of the Telephone Consumer Protection Act ("TCPA")








8:30 AM to 5:00PM

8:30 AM to 5:00PM

8:30 AM to 5:00PM

8:30 AM to 5:00PM

8:30 AM to 5:00PM

By Appointment


All Major Credit Cards Accepted!

The Telephone Consumer Protection Act ("TCPA") is a federal law that was passed by Congress in 1991. The TCPA limits the use of automatic telephone dialing systems (also known as “auto-dialers”), and the use of artificial or prerecorded voice messages, SMS text messages, as well as the use of fax machines to send unsolicited advertisements. If you are getting multiple calls from a debt collector or telemarketer on your cellular telephone, it is possible they are using an auto-dialer in violation of the TCPA.


Under the TCPA, consumers are entitled to collect damages ranging from $500 to $1,500 for each unlawful call, fax, or text message.

Debt collectors often use overly aggressive tactics to collect outstanding debts. To stop abusive debt collection practices, the federal government passed the Fair Debt Collection Practices Act (FDCPA) in the 1970s. The FDCPA prohibits third-party debt collectors from using certain methods to collect outstanding debts. In fact, if the debt collector violates the FDCPA, it might have to pay $1,000.00 dollars damages to you or more for violating your rights!






Examples of possible illegal debt collection activities:


  • Calling too early in the morning (before 8AM) or too late at night (after 9PM)
  • Telephone calls made from an auto-dialer
  • Pre-recorded voicemail messages left on your cellular phone
  • Using obscene language when attempting to collect a debt
  • Threatening you in any manner
  • Not revealing their employer's identify when making debt collection calls
  • Suing on a time-barred debt (statute of limitations has expired)
  • Misrepresenting the amount of the debt in any way
  • Contacting you in an attempt to collect the debt when they know you are represented by an attorney
  • Contacting third parties regarding details of your debt, such as leaving messages with co-workers at your place of employment regarding the debt owed



The law office of Andrea Janovic is a federally defined Debt Relief Agency. Ms. Janovic only represents parties in the Federal District Court - Eastern District of Kentucky.


A discharge in bankruptcy will make credit card, medical and certain other types of unsecured debts, permanently unenforceable against debtor, so that the debtor will typically never have to pay those discharged debts, and the creditors whom you owe cannot phone you, write you, sue you, garnish your wages, or take any other act ever again to try to collect the discharged debt from you. “Credit Counseling”, “credit card payment plans” and “debt management” DO NOT discharge a debt. Only by filing bankruptcy in the United States Bankruptcy Court does an individual have a right to seek discharge of debts.  Some debts, such as certain tax debts, and student loans under certain circumstances, may not be discharged under the U.S. Bankruptcy Code.


This firm will only represent you if a written contract for bankruptcy legal service is entered into, and signed by you, and you meet all of the requirements under federal law to file for bankruptcy protection.  Contact our office for a free consultation: (859) 391-7218.

Violations of the Fair Debt Collection Practices Act ("FDCPA")



Why Choose Our Office:

  • Free Initial Consultation
  • Appointment Flexibility
  • Personal One-on-One Attention from the attorney
  • Reasonable Rates
  • Central location of office

Contact: 859-391-7218 ::: JANOVICLAW@GMAIL.COM

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting the law office of Andrea Janovic does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.