Chapter 7 Bankruptcy

Facebook and Bankruptcy

Posted on April 18, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts | Tags: , |

In order to provide as much information to folks in as many formats as possible, we have two Facebook pages that offer this outreach and we also offer occasional  posts on those pages with information about consumer finance issues and other financial topics of interest. You may want to check out these pages:

John Rogers, Attorney at Law

Rogers Law Consumer Help Center

We are solely determined to offer the finest in advice and representation to folks who may need to consider bankruptcy for help. With almost 30 years of experience in this area, we strive to assist folks with their options at the lowest cost available.

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Bankruptcy: A Protection Unique to the United States

Posted on March 14, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts | Tags: |

Although several countries have bankruptcy laws of one variety or another, most are designed to assist businesses in financial trouble. The United States is unique in that it is one of very few that have a bankruptcy system designed to assist the consumer debtor.

The New York Times has a recent article describing the horrors of a country without such a bankruptcy law to act as a safety net for the honest, but unfortunate debtor. The article describes how one Afghani man owed a debt that almost required him to sell his 6 year old daughter in marriage to the creditor when he could not repay the debt.  Thankfully at the last minute, someone paid his debt for him averting disaster.  But how many times in Afghanistan and other countries do debts go unpaid and a child is lost ?  The man had originally borrowed the money to pay for medical bills.

Let us be thankful that we live in a society that allows the honest but unfortunate person to be protected from such evils as described in this article, or other evils such as debtor prisons or involuntary servitude to the creditor.

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Bankruptcy and What You Own and Want to Keep

Posted on March 6, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts | Tags: , |

 

If you decide that filing for bankruptcy protection is in your best interest, you want to keep as much of your property as you can, while at the same time obtaining relief from your debts.  Without an experienced bankruptcy lawyer guiding you through the bankruptcy process, your property and the discharge of your debts may be at risk.  Our firm believes that the best way to represent you is to personally know you, your situation, and your reason for considering bankruptcy.

 

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Even George Washington Had Creditors Hounding Him

Posted on February 28, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts | Tags: |

That’s right,  as far back as 1764, before the founding of the United States of America, our future first President and founding father George Washington was hounded by creditors.

In writing to one of his creditors, he said:

“… it is but an irksome thing to a free mind to be any ways                                     hampered in debt.”

In other words, he was saying if you have debt you can’t pay,  you will never be free from worry, possibly  harming your health and your ability to care for your family.

Quite possibly, and most historians agree, this is why our founding fathers placed in our Constitution the ability for Congress to pass laws allowing for bankruptcy. In a break from the past, our founders wanted citizens of the new United States to be able to get a fresh start, should that be needed and justified.

So,  if debt is a worry and concern to you,  you  are not alone … George Washington suffered with it as well, and because he did, he and his compatriots gave you the right to get a fresh start.

Don’t jeopardize your health and your family.   If you  think you need to consider bankruptcy, contact an experienced bankruptcy lawyer today.

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Will you get to keep your tax refund money if you file bankruptcy ?

Posted on February 28, 2018. Filed under: Chapter 7 Bankruptcy, taxes | Tags: , |

It is the time of year for tax refunds. We have questions from folks as to whether they can file Chapter 7 bankruptcy before filing taxes and still keep their tax refunds coming to them after they file bankruptcy or whether they can keep a tax refund received right before filing bankruptcy.

The answer is that they generally can keep their refunds, depending, of course, on how large the refund is. The general bankruptcy exemptions available under the federal bankruptcy exemptions (which we can use in Kentucky) are usually large enough to protect most tax refunds from being lost to the trustee. You can also use your tax refund to pay the fees and costs for the bankruptcy.

Also, if you are thinking about filing bankruptcy, and are going to use your tax refund to pay off a debt to a family member or creditor prior to filing bankruptcy, you should consult with a bankruptcy attorney before doing that. There are provisions in the bankruptcy law which may allow the trustee to take that money back from the family member or creditor should you then file bankruptcy after paying them. Alternatively, if you just keep the refund and don’t pay any of it to anyone, then the refund may be able to be protected with the exemptions as outlined above, and as we said above, used to pay the fees and costs for the bankruptcy.

Your circumstances may be unique, so always discuss your options with a bankruptcy attorney before you do anything with your tax refund money, if possible.

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Letting A Home Go Back in Bankruptcy

Posted on February 13, 2018. Filed under: Chapter 7 Bankruptcy, Consumer Alerts, Uncategorized | Tags: , |

We have found in our office that surrendering a home is one of the hardest things for clients to consider doing.  We all get emotionally attached to our home, often because that is where our children were raised or it is family property.  It is very difficult to consider letting your home go back, but it is often the economically sound thing to do for your future.

We would also add that in our area of Kentucky, we have many folks that have financed a manufactured or mobile home and land together and owe much more than the manufactured or mobile home is worth, even factoring in the value of the land.  Manufactured or mobile homes most often depreciate in value, thus never allowing folks to build up equity in them.  In these cases, surrendering the manufactured or mobile home is often the wisest thing to do.

A home can be surrendered to the bank or mortgage holder in Chapter 7 Bankruptcy and the debt owing on the home is then discharged, or eliminated.

Finally, often  a Chapter 13 Bankuptcy can be used to save a home where the debt on the home is behind, should you choose to.

To look  at your options in regards to your home debt, contact an  experienced bankruptcy attorney.

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Credit Counseling, Debt Consolidation or Bankruptcy ?

Posted on February 3, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , , |

choices

Are you considering debt relief through a consumer credit counseling  or debt consolidation service ?  You may be surprised to learn that they can do more harm than good to your credit.  Many times, bankruptcy is a better option, and we will be happy to sit down with you and thoroughly discuss your personal financial situation in order to help you decide what is the best solution your financial problems.  In analyzing your particular situation, we always consider if there is an alternative to filing bankruptcy.  The decision to file bankruptcy is a difficult choice for many people to make.  A bankruptcy will have an effect, in some fashion, on your future credit.  Bankruptcy, though,  does not totally destroy your ability to get credit in the future.  The decision to file bankruptcy must be carefully made in consultation with an attorney. Contact us at Kentucky Bankruptcy Attorney John Rogers at johnrogers@glasgow-ky.com or 270-651-7777.

photo credit: hang_in_there via photopin cc

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Your Tax Refund and Bankruptcy: What to Know

Posted on January 24, 2018. Filed under: Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , , |

tax-refund-2.jpg

Tax refund time is here.  We have questions from folks as to whether they can file Chapter 7 bankruptcy before or after filing taxes and still keep their tax refunds.

The answer is that they generally can keep their refunds, depending, of course, on how large the refund is. The general bankruptcy exemptions available under the federal bankruptcy exemptions (which can be used in Kentucky) are usually large enough to protect most tax refunds from being lost to the trustee. You can also use your tax refund to pay the fees and costs for the bankruptcy.

Also, if you are thinking about filing bankruptcy, and are going to use your tax refund to pay off a debt to a family member or creditor prior to filing bankruptcy, you should consult with a bankruptcy attorney before doing that. There are provisions in the bankruptcy law which may allow the trustee to take that money back from the family member or creditor should you then file bankruptcy after paying them. Alternatively, if you just keep the refund and don’t pay any of it to anyone, then the refund may be able to be protected with the exemptions as outlined above.

Your circumstances may be unique, so always discuss your options with a bankruptcy attorney before you do anything with your tax refund money.

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Kentucky Bankruptcy Attorney John Rogers Receives Lead Counsel Rating

Posted on January 17, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , , , |

lead counsel rated mark

At Kentucky Bankruptcy Attorney John Rogers, we are proud to receive the Lead Counsel rating with Verified Experienced, Peer Recommended and Spotless Record. Click here to see our listing.

We strive hard to represent the interests of individuals and businesses considering  bankruptcy  to help them with their financial situation.  We would be honored to assist you. The initial appointment  and consultation is free with no obligation.

 

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Client Reviews of Kentucky Bankruptcy Attorney John Rogers

Posted on January 17, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts | Tags: , , , , , , , |

At Kentucky Bankruptcy Attorney John Rogers, we are proud of the customer service we provide our clients and are happy to share their reviews of our service:

” 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” -C

“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.” -R and K

“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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