Chapter 7 Bankruptcy

Your Tax Refund and Bankruptcy: What to Know !

Posted on January 7, 2019. Filed under: Chapter 7 Bankruptcy | Tags: , |


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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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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Credit Scores and Bankruptcy

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

A question we often get in the office is what effect filing bankruptcy has on our credit score. As this chart, based on data from the New York Federal Reserve shows, credit scores do improve after the filing of any type of bankruptcy.

credit score path for bankruptcy filers

(For more details on credit scores and bankruptcy, the chart above is included in this blog post. )

If you think bankruptcy is an option for you, give us a call today. The first meeting is free and there is no obligation.

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Independent Information on Filing Bankruptcy … What You Need to Know

Posted on September 19, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , |

The well respected National  Consumer Law Center has published an excellent article for the public entitled “Deciding Whether to File for Bankruptcy”.

Here’s an excerpt:

“Federal law provides the right to file bankruptcy for people with debt problems. This article explains how bankruptcy can help you and when it may be the wrong solution for you. It also describes the difference between chapter 7 and 13 bankruptcies, lets you know the best time to file for bankruptcy, and sets out what a bankruptcy will cost. Importantly, the article corrects common misconceptions about bankruptcy.”

I would highly recommend that if you are considering filing for bankruptcy, or even if you are just thinking about your  debts, that you read this article.

Finding information about filing bankruptcy from someone  other than a bankruptcy attorney or law firm can be difficult. This article provides the information.

If, after reading the article, you think we can help,  give us a call and  we will schedule  you a free,  no obligation appointment to discuss your  options.

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Helping Folks is What We Do

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

Office - Flag


If you are having difficulty paying the bills at your home or business, we may be able to help.

We are a small law firm that prides itself in providing one on one personal service to folks that may be considering bankruptcy or other ways to help with their financial situation.

We care about helping and would consider it an honor to talk with you about your debt and finances. We know bills are not an easy thing to discuss.

Our first meeting is free and there is no obligation.

You can email us at or call toll free at 1-888-651-9353.

We look forward to talking with you.

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How soon would I be eligible for a mortgage after bankruptcy ?

Posted on July 17, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Reorganization of Debts | Tags: , |

This question is often asked and really is hard to determine, as it really depends on which mortgage company you are dealing with and how they look at your bankruptcy, whether it be a Chapter 7 or Chapter 13.

In an article published by , Julie Flatland, vice president of credit in the mortgage lending division of Carrington Mortgage Services in Santa Ana, California, is interviewed and provides some insight into this question that is often asked of bankruptcy attorneys by their clients, but never really answered.

Ms. Flatland provides some distinctions between Chapter 7 and Chapter 13 and how they can have different effects on the ability to be eligible for a mortgage after bankruptcy. She also provides four guidelines, or steps, to follow to improve your chances for qualifying for a mortgage.

All in all, her article confirms what I have generally always told my clients, and that is that obtaining mortgages and other debt after bankruptcy is usually possible, but is always dependent on your financial activities after bankruptcy and also which creditor is considering you for credit. As a general rule, our experience has been that bankruptcy does not totally destroy your ability to get credit in the future.

Click here to read the full article by

If you have questions about bankruptcy, give us a call. The first appointment with us is free and there is no obligation. We might be able to help.

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