Chapter 13 Bankruptcy

Credit Card Monster !!

Posted on May 14, 2019. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , |

Has the  “monster” of credit card debt backed you in a corner you don’t think you can get out of ?

Recent news reports show that outstanding credit card balances in the US is over $1 Trillion Dollars.  You are not alone.

Credit Card Companies may sue you if you do not pay.

Bankruptcy may be an option to consider to give you the relief you need. Contact a bankruptcy attorney or lawyer today.  Most do not charge a fee to simply discuss the options available to you.

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What our clients say about us !

Posted on April 26, 2019. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , |

Review - Social Post - Small Thanks

 

The following are actual client reviews that our office has received. We are honored to help folks with their debt … and we think this shows in these reviews. 

” You have an excellent reputation in the local area. You are organized, professional and really know how to put a client at ease during a hard time in their life.  After seeing how unorganized some other attorneys were at court, I was thankful I had your office helping me and not someone else. Thank you all so much.” – Carol

“Any questions I had I could always talk to someone directly.  I would recommend your office to other people. ”

– Jeff

“All questions were answered in a manner that we could understand.  We were never rushed and everyone we worked with was always kind and polite.” – Joe

“(another attorney) said that John Rogers was the only one he knew who could sort out my difficult situation and that he himself could not help me. Thank you for being there for me.  You were my friends when I have been at my lowest. You helped me and encouraged me. God bless all of you. I am so thankful for you all.” – DKC

“Someone was always able to answer my questions. I felt like everyone there actually cared about helping me with my situation and wasn’t just after collecting my money. ” -Julie

“I will definitely recommend this office simply for the professionalism and understanding.”  -Melissa

“The staff was very easy to talk to, as was Mr. Rogers, and very knowledgeable. We felt very comfortable.”  -Brent

“It was a relief to us to have someone like you to represent us. You were very professional, extremely well organized and obviously experienced in cases like ours.”  -Kathleen

“Always willing to listen and answer my questions. All of the staff, as well as Mr. Rogers, went beyond the call of duty.” – Diana

“During my meetings, I didn’t feel like I was looked down on. Mr. Rogers was so nice.” -Annette

“Everybody was always so friendly and willing to help me in any way. I would just like to thank John for walking me through this whole process. Everything he told me was correct. ” -Anna

“Everyone was very helpful. No matter how many times I called or how many questions I had.” -Danny

“John Rogers was very polite and accurate in his job and very fast in getting the job done. He is a very good attorney” – Carolyn

“Made us feel like it was okay to go this route and didn’t make us feel ashamed or foolish.” -Victor

“I would recommend people to your office if they were looking for a good attorney. ” – Susan

“Prayer helped us choose your firm. We saw your ad and felt very comfortable with you. ” – Mike

“We didn’t think anyone could be as great…” -Wayne

“All the staff was friendly and helpful. I never felt judged or ashamed for my situation. Everything went smoothly and as expected.” “Every time I called with a question or concern, whoever answered the phone was always helpful and knowledgeable of who I was and what I needed to know. Any messages I left were returned quickly.” -Mike

“All friendly and helpful with any and all questions that I had during a stressful period in my life” -Kimberly

“Very kind and understanding of our problem” -Brian and Teresa

“Payment plan and the cost was good. We will tell everyone we know about him” -Contessa

“From my very first visit, Mr. Rogers made me feel better about myself and what I had to do. All the staff and Mr. Rogers were the best.” -Annette

“The staff was very friendly and easy to talk to. John Rogers was also very friendly and easy to talk to.” -Julie

“Thank You for all you have done. I feel much better than I have since my husband’s passing. The stress has lifted immensely. ” -Vivian

“Always there when we needed you and it didn’t take long to wait for things to get done.” -Gene and Gloria

“Thanks for helping when no one else would !” -Shelia

“I thank God for all of you. Thank you for being so good to me. Keep God in your services.” -Geneva

“You all made me feel comfortable going through this Bankruptcy. Not at anytime did you make me feel belittled getting into this situation.” -Richard

“They accepted my handicap, I couldn’t make steps, and came downstairs.”    -anonymous

“Everyone was very nice. No one wants to file bankruptcy. We never felt like anyone was judging us. It was a great relief. We are very grateful for your services.” -Roy and Keatina

“Open and willingness to help in time of distress, and handicapped convience” -Octava

“Thanks for helping us begin again after our business failed” -Jason and Bridgett

“Professional, discreet, and helpful”  -anonymous

“Your staff and you were so nice to us, you made an unpleasant experience as pleasant as you could. … You all go the extra mile. As a matter of fact, we have already recommended you to other people.” -Michael and Linda

 

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If you are behind in your house or vehicle payments, can Chapter 7 bankruptcy stop a foreclosure or repossession from taking place?

Posted on April 24, 2019. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Bankruptcy Attorney | Tags: |

Whenever any bankruptcy case is filed, the banks are usually stopped from taking action to collect the debts that were owed at the time of the bankruptcy. This feature of bankruptcy is called the “automatic stay.” The automatic stay, if it applies, stops a foreclosure or repossession from going forward. However, no Chapter 7 bankruptcy filing allows you to keep property that is security for a loan without making payments on the loan. For example, folks with home mortgages and vehicle loans cannot keep their homes and vehicles without making payments. As soon as the bankruptcy case is closed, the automatic stay terminates, and the bank can proceed with foreclosure or repossession. Moreover, if you are not current on payments, bank may ask the court to terminate the automatic stay while the bankruptcy is still pending, and, in Chapter 7, banks are usually able to terminate the automatic stay. In order to keep property that is security for a loan in Chapter 7 bankruptcy, you often must enter into a “reaffirmation agreement” with the bank who holds the lien on that property.

If you are behind on a home or vehicle loan and can not get caught up, you may want to ask your Bankruptcy Attorney about Chapter 13 bankruptcy. Chapter 13 bankruptcy can enable you to get caught up on the loans and possibly even pay the loans back through the Chapter 13 bankruptcy plan and stop paying the bank directly.

As always, give us a call to schedule a free, no obligation appointment to discuss your situation.

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Kentucky Bankruptcy Attorney John Rogers

Posted on April 9, 2019. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , |

About Our Office

We are a consumer bankruptcy law firm helping persons and businesses with their financial situation.  If you believe we can be of assistance to you, please contact us today at johnrogers@glasgow-ky.com  or toll-free at 1-888-651-9353 and put our experience to work for you.  We offer a free first meeting with no obligation.

We are located in Glasgow, Kentucky at 111 West Wayne Street, one block off of the Square in Glasgow.  Glasgow is conveniently located on the Louie B. Nunn Cumberland Parkway, for those traveling from west or east of Glasgow

We are Certified, Consumer Bankruptcy Law, American Board of Certification… one of the few attorneys in Kentucky so certified www.abcworld.org

We are an active member of the National Association of Consumer Bankruptcy Attorneys, serving as Kentucky State Chair of this organization. www.nacba.com

We have been designated a debt relief agency by Congress and the United States Supreme Court and we provide legal assistance to consumers seeking relief under the Bankruptcy Code.

We are here to help. The first meeting is free and there is no obligation. Give us a call and see if we can help.

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Kentucky Bankruptcy Attorney John Rogers

Posted on February 11, 2019. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: |

We are a consumer bankruptcy law firm helping persons and businesses with their financial situation.  If you believe we can be of assistance to you, please contact us today at johnrogers@glasgow-ky.com  or toll-free at 1-888-651-9353 and put our experience to work for you.  We offer a free first meeting with no obligation.

We are located in Glasgow, Kentucky at 111 West Wayne Street, one block off of the Square in Glasgow.  Glasgow is conveniently located on the Louie B. Nunn Cumberland Parkway, for those traveling from west or east of Glasgow

We are Certified, Consumer Bankruptcy Law, American Board of Certification… one of the few attorneys in Kentucky so certified www.abcworld.org

We are an active member of the National Association of Consumer Bankruptcy Attorneys, serving as Kentucky State Chair of this organization. www.nacba.com

We have been designated a debt relief agency by Congress and the United States Supreme Court and we provide legal assistance to consumers seeking relief under the Bankruptcy Code.

Also, be sure to check out our other website address of www.bankruptcy.ky for more information on filing bankruptcy and John Rogers, Attorney at Law

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Will your New Year be a Happy One ?

Posted on January 1, 2019. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts | Tags: |

It can be. When you consider the bills you owe, the first of the year can be a great time to consider getting a fresh start and putting some of those bills behind you. There are many legal options to assist you and an attorney can review those options with you. Chapter 7 or Chapter 13 bankruptcy may be one of those options.

At Kentucky Bankruptcy Attorney John Rogers, we are now accepting new clients for bankruptcy for the coming year. Give us a call today to discuss your financial situation. Call 1-888-651-9353 toll free to schedule your visit with us ! We look forward to helping you get a great beginning to the new year !

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Happy Thanksgiving !

Posted on November 22, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: |

We hope everyone enjoys their time with family and friends tomorrow on the day of giving thanks ! Let us all look forward to a new year of helping one another and giving thanks for all of our family and friends.

At Kentucky Bankruptcy Attorney  John Rogers, we are very thankful to be able to help others in a meaningful way to relieve some stress and burdens in their life. Life is hard enough without the stress of debt collectors calling you day and night.

Enjoy the day !

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A Troubling New Tactic by Debt Collectors

Posted on November 16, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Debt Collectors | Tags: , |

 

Click on the paragraph excerpt below to read about CBS News report on a troubling new tactic being used by debt collectors.  If you are suffering from debt collectors contacting you,  Bankruptcy can help. Give us a call today to schedule a free, no obligation  appointment to review your options.

“Overstating a debtor’s balance — also called “overbiffing” — is the latest outrage in unfair debt collection.

In a recent case, regulators allege a New York debt collector may have tricked thousands of consumers into paying far more than they actually owed by fraudulently inflating consumer balances and using profane, abusive and illegal tactics to collect the fabricated bills. The term is called “overbiffing” because the scammers overstate a person’s “balance in full,” which is sometimes shortened to BIF.”

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Our Client’s Testimonials Speak for Themselves

Posted on November 2, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , |

” You have an excellent reputation in the local area. You are organized, professional and really know how to put a client at ease during a hard time in their life. After seeing how unorganized some other attorneys were at court, I was thankful I had your office helping me and not someone else. Thank you all so much.” – Carol

“Any questions I had I could always talk to someone directly. I would recommend your office to other people. ”

– Jeff

“All questions were answered in a manner that we could understand. We were never rushed and everyone we worked with was always kind and polite.” – Joe

“(another attorney) said that John Rogers was the only one he knew who could sort out my difficult situation and that he himself could not help me. Thank you for being there for me. You were my friends when I have been at my lowest. You helped me and encouraged me. God bless all of you. I am so thankful for you all.” – DKC

“Someone was always able to answer my questions. I felt like everyone there actually cared about helping me with my situation and wasn’t just after collecting my money. ” -Julie

“I will definitely recommend this office simply for the professionalism and understanding.” -Melissa

“The staff was very easy to talk to, as was Mr. Rogers, and very knowledgeable. We felt very comfortable.” -Brent

“It was a relief to us to have someone like you to represent us. You were very professional, extremely well organized and obviously experienced in cases like ours.” -Kathleen

“Always willing to listen and answer my questions. All of the staff, as well as Mr. Rogers, went beyond the call of duty.” – Diana

“During my meetings, I didn’t feel like I was looked down on. Mr. Rogers was so nice.” -Annette

“Everybody was always so friendly and willing to help me in any way. I would just like to thank John for walking me through this whole process. Everything he told me was correct. ” -Anna

“Everyone was very helpful. No matter how many times I called or how many questions I had.” -Danny

“John Rogers was very polite and accurate in his job and very fast in getting the job done. He is a very good attorney” – Carolyn

“Made us feel like it was okay to go this route and didn’t make us feel ashamed or foolish.” -Victor

“I would recommend people to your office if they were looking for a good attorney. ” – Susan

“Prayer helped us choose your firm. We saw your ad and felt very comfortable with you. ” – Mike

“We didn’t think anyone could be as great…” -Wayne

“All the staff was friendly and helpful. I never felt judged or ashamed for my situation. Everything went smoothly and as expected.” “Every time I called with a question or concern, whoever answered the phone was always helpful and knowledgeable of who I was and what I needed to know. Any messages I left were returned quickly.” -Mike

“All friendly and helpful with any and all questions that I had during a stressful period in my life” -Kimberly

“Very kind and understanding of our problem” -Brian and Teresa

“Payment plan and the cost was good. We will tell everyone we know about him” -Contessa

“From my very first visit, Mr. Rogers made me feel better about myself and what I had to do. All the staff and Mr. Rogers were the best.” -Annette

“The staff was very friendly and easy to talk to. John Rogers was also very friendly and easy to talk to.” -Julie

“Thank You for all you have done. I feel much better than I have since my husband’s passing. The stress has lifted immensely. ” -Vivian

“Always there when we needed you and it didn’t take long to wait for things to get done.” -Gene and Gloria

“Thanks for helping when no one else would !” -Shelia

“I thank God for all of you. Thank you for being so good to me. Keep God in your services.” -Geneva

“You all made me feel comfortable going through this Bankruptcy. Not at anytime did you make me feel belittled getting into this situation.” -Richard

“They accepted my handicap, I couldn’t make steps, and came downstairs.” -anonymous

“Everyone was very nice. No one wants to file bankruptcy. We never felt like anyone was judging us. It was a great relief. We are very grateful for your services.” -Roy and Keatina

“Open and willingness to help in time of distress, and handicapped convience” -Octava

“Thanks for helping us begin again after our business failed” -Jason and Bridgett

“Professional, discreet, and helpful” -anonymous

“Your staff and you were so nice to us, you made an unpleasant experience as pleasant as you could. … You all go the extra mile. As a matter of fact, we have already recommended you to other people.” -Michael and Linda

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Frequently Asked Questions about Bankruptcy

Posted on October 9, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: |

Frequently Asked Questions about Bankruptcy

Q: Why do so many folks file bankruptcy?

A: Americans generally have overextended themselves by using too much easily accessible credit to finance overspending, combined with lack of savings. With no financial safety net, sudden crises such as medical emergencies, job losses or failed businesses, death or disability of spouses, or divorce can result in insurmountable debt.

Q: What alternative courses of action are there to filing bankruptcy when facing overwhelming debt?

A: Short of bankruptcy, a debtor may enter into mediation with creditors or negotiate workout agreements to extend due dates, lower interest rates, partially forgive debt, or alter other terms. These options can be risky  as the debt you don’t pay back could be sold to a debt buyer  who could come after you later.

To help sort your way through the complicated maze of  bankruptcy, you need the assistance of knowledgeable legal advocates, with years of experience and demonstrated trustworthiness.

If you are facing financial problems, an experienced bankruptcy lawyer can explain bankruptcy options that can help you to get a fresh start on life and a return to financial stability. At the Glasgow, Kentucky, law office of bankruptcy attorney John Rogers, we have a thorough understanding of the realities faced by people entering into Chapter 7 bankruptcy or Chapter 13 bankruptcy. It is our goal to help our clients find realistic solutions to their financial problems.

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