A Kentucky Involuntary Petition Against an Individual is a legal process to initiate bankruptcy proceedings against an individual debtor who is unable to pay his creditors. This type of petition is filed by a creditor in the District Court in the debtor’s county of residence. The petition must include the name of the debtor, the amount of debt owed, and the names of the creditor or creditors that are owed the debt. There are two types of Kentucky Involuntary Petition Against an Individual: Chapter 7 and Chapter 13. A Chapter 7 Bankruptcy is a liquidation bankruptcy, which allows debtors to discharge their debts and obtain a fresh start. A Chapter 13 Bankruptcy is a reorganization bankruptcy, which allows for the repayment of debts over a three to five-year period. In either type of bankruptcy, the debtor must attend a meeting with the creditors and the bankruptcy trustee, and provide documents and financial information. The court may also require the debtor to complete a credit counseling course. Once the bankruptcy is filed, a court order is issued, preventing creditors from attempting to collect on the debts. The court will also decide whether the debts can be discharged and how much the debtor must pay back to the creditors.