Is lawsuit funding legal in Kentucky?
It is legally uncertain. Kentucky: restrictive — champerty and maintenance doctrine — KRS § 372.060 (champerty); Boling v. Prospect Funding Holdings, LLC (6th Cir. 2019). Get Lit Money does not fund in Kentucky.
What you can do in Kentucky instead
Kentucky's champerty and maintenance doctrine makes third-party funding of claims legally uncertain, and we do not fund where the contract's enforceability is in question. Your attorney is the right person to ask about medical liens and provider deferrals here.
The law
Restrictive — champerty and maintenance doctrine. KRS § 372.060 (champerty); Boling v. Prospect Funding Holdings, LLC (6th Cir. 2019). This is not a licensing question. We do not fund where the enforceability of the agreement itself is in doubt, and in Kentucky it is. A narrower map buys an unqualified promise everywhere else, and we think that is the right trade.
Why this changed recently
The map moved materially in 2026. North Carolina became the first state to ban third-party litigation financing outright, under HB 315, effective June 22, 2026. New York’s Consumer Litigation Funding Act took effect on June 17, 2026. Georgia began requiring NMLS registration on January 1, 2026, and made larger funding agreements discoverable in civil cases.
If you are reading an article about funding law written before 2026, assume it is out of date. This area is moving quickly and three material changes landed in the first half of the year alone.
Kentucky claim deadlines
The personal injury filing deadline in Kentucky is 1 year from the date of injury in most cases. Missing it bars the claim permanently, however strong it is.
Workers’ compensation runs on a separate clock. Notify your employer within 30 days and file the claim within 2 years.
Claims against government entities usually require a formal notice of claim far sooner — often 30 to 180 days — and missing that bars the claim even though the ordinary deadline has years left. More on notice of claim.
If you were partly at fault
Kentucky applies pure comparative negligence. You can still recover even if you were mostly at fault. Your award is reduced by your share of the blame. How comparative negligence works.
Is an advance a loan in Kentucky?
A genuine pre-settlement advance is non-recourse: it is repaid only from a recovery, and if the case does not recover there is nothing to repay. That is the distinction most state statutes turn on, and it is why the map looks so uneven — where a court treats an advance as a loan, state lending and usury rules apply, which is the basis on which Colorado and Maryland regulate these products as consumer loans. More on usury and funding.
This page summarizes publicly reported legislation and published statutory summaries. It is not legal advice and it is not a compliance opinion. Your attorney is the right person to ask about your case.
We can't fund in Kentucky — but the law page is here for a reason.
If your case moves to a state we serve, or you are reading this for a client elsewhere, the rest of the site applies. We would rather tell you plainly than take your details.