Consumer Alerts

Lets talk about your bills …

Posted on June 19, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: |

The bankruptcy law is designed to protect and help persons and businesses who find themselves trapped in a situation in which they can not survive without help.

It  can also allow a way to restructure the debt owed to the benefit of themselves and the people they owe.

You may be able to use the law to help you out of a bad situation. Most attorneys and lawyers offer free, no obligation meetings to see if the law can help you. It may be worth a shot to see if it can help you.

Give us a call today if you want to talk.

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References, Reviews and Choosing a Bankruptcy Lawyer

Posted on May 26, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | Tags: , |

We have many clients that choose us based on references from family members, friends and co-workers that we have helped and from other lawyers in the communities we serve that know our reputation and the fact that we have helped their clients. If you don’t have anyone like this to ask for a referral to a bankruptcy attorney, we can offer actual client testimonials below to assist you in your choosing. These testimonials, and many others, are available elsewhere here on this blog. Just search “testimonials” in the search bar at top right above:

 

“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

 

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What makes an exceptional bankruptcy attorney ?

Posted on May 25, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | Tags: |

An excellent post by a bankruptcy attorney I respect greatly, Cathy Moran:

One Trait Makes a Bankruptcy Lawyer Great

An excerpt:

“Great bankruptcy lawyers take the broad view.  They look backwards and forwards from the filing date before uploading the petition.  Because bankruptcy rights and consequences flow from both the past and the future.”

Thanks, Cathy, for sharing with the public the trait that separate the average bankruptcy lawyer from the exceptional !

Update: Cathy also posted her comments to an ABI commission on suggested changes in consumer bankruptcy law.  Here is a link to her comments.  I commend them to you!

 

 

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Is Bankruptcy Biblically Moral ?

Posted on May 16, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | Tags: , , |

This question and more is explored in depth by Indianapolis based bankruptcy attorney John Bymaster in his new book Is Bankruptcy Biblically Moral ?

John explores how our modern system of bankruptcy laws are rooted in many parts of scripture. He discusses how the founding fathers of our country knew this and why they included provisions for bankruptcy in our Constitution.

We have blogged on this in a past post which you can find by clicking here.

This is a fascinating area which most folks are not aware of. I highly recommend this book if you are considering bankruptcy and have concerns about the morality of filing.

 

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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 May 11, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | 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.

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Bankruptcy Has Helped General Motors, Donald Trump and Puerto Rico. Can It Help You Too ?

Posted on May 4, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Uncategorized | Tags: |

Why is bankruptcy an acceptable, legitimate means to try to save your business, home and deal with other debt ?   William D. Cohan, writing in the New York Times, gives us the answer:

“Indeed, for corporations across the country, both big and small, using the bankruptcy process to eliminate unwanted debt and liabilities is such an accepted practice that we don’t really give it much thought anymore. That is the beauty of the corporate bankruptcy process (if you care to look at it that way): Creditors must acknowledge they made poor investments by taking a fraction of their original principal and companies get a second chance.

Why, then, can’t a similar process be put in place to help the millions of American homeowners who for whatever personal reasons — usually no less justifiable than those offered up by G.M. or Chrysler — are unable to make their monthly mortgage payments? Why do the corporate fat cats get a respected and legitimate way to flush their unwanted debts but individual Americans homeowners don’t?”  click here for the full story

Yes, that’s right, American corporations and governments (think Detroit’s bankruptcy and now Puerto Rico) for years have used bankruptcy to save jobs, save companies and help the economy.  American citizens deserve no less !

This article explains how Donald Trump, now President of the United States, used bankruptcy to his advantage as well.

Read here about Puerto Rico’s recent bankruptcy filing.

Contact a bankruptcy attorney today to discuss your options under the law to help with your debt.

Remember, bankruptcy law is enshrined in the US Constitution and is your legal right.

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Reputation

Posted on May 3, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | Tags: |

Here at Kentucky Bankruptcy Attorney John Rogers, we take pride in our reputation and our ability to help folks with their money issues fairly and respectfully.  Let our clients share with you about their experience with our office:

 

“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 convenience” -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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What’s Good for Gander, May Also Be Good for You

Posted on March 13, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | Tags: |

If the large outdoor retailer Gander Mountain can file bankruptcy to help with their debts, maybe you can too.

Many businesses and individuals successfully use the bankruptcy laws to help ease the debt pressure they are in. 

Also, bankruptcy is used by businesses and individuals to keep certain assets and continue to pay for them, while getting rid of the debt they can’t pay.

What’s good for Gander, may be good for you as well.

Talk to a bankruptcy attorney today to see what is right for you.

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Bankruptcy Helped General Motors and Donald Trump. Can It Help You Too ?

Posted on February 21, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Uncategorized | Tags: |

Why is bankruptcy an acceptable, legitimate means to try to save your home and deal with other debt ?   William D. Cohan, writing in the New York Times, gives us the answer:

“Indeed, for corporations across the country, both big and small, using the bankruptcy process to eliminate unwanted debt and liabilities is such an accepted practice that we don’t really give it much thought anymore. That is the beauty of the corporate bankruptcy process (if you care to look at it that way): Creditors must acknowledge they made poor investments by taking a fraction of their original principal and companies get a second chance.

Why, then, can’t a similar process be put in place to help the millions of American homeowners who for whatever personal reasons — usually no less justifiable than those offered up by G.M. or Chrysler — are unable to make their monthly mortgage payments? Why do the corporate fat cats get a respected and legitimate way to flush their unwanted debts but individual Americans homeowners don’t?”  click here for the full story

Yes, that’s right, American corporations for years have used bankruptcy to save jobs, save companies and help the economy.  American citizens deserve no less !

This article explains how Donald Trump, now President of the United States, used bankruptcy to his advantage as well.

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

Posted on February 3, 2017. Filed under: Chapter 7 Bankruptcy, Consumer Alerts, Uncategorized | Tags: , , |

It is that 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 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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