Consumer Bankruptcy Attorney

We are here to help !

Posted on May 25, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , , |

 

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Here at Kentucky  Bankruptcy Attorney John Rogers,  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 are also 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 adress of www.bankruptcy.ky for more information on filing bankruptcy and Kentucky Bankruptcy  Attorney John Rogers.

 

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Are your bills a burden ?

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

If you are looking at your debt today and feel that it is a burden to your life, give us a call here at Kentucky Bankruptcy Attorney John Rogers and we will be happy to schedule you a free, no obligation appointment to meet with you and discuss your options for resolving these issues. You are not alone. We are here to help and are ready to put our many years of experience to work for you. Kentucky Bankruptcy Attorney John Rogers is Board Certified in Consumer Bankruptcy Law by the American Board of Certification. Give us a call today at 1-888-651-9353 or email us at johnrogers@glasgow-ky.com

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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: , , , |

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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: , , , |

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

Posted on January 5, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , |

It will soon be 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 and what you do with the refund. 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 taken by 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 will be unique, so always discuss your options with an experienced bankruptcy attorney before you do anything with your tax refund money.

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Bankruptcy and the Bible

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

Bankruptcy and the Bible 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 biblical 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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Stress, Your Health and Bills

Posted on August 2, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , |

We all know that Stress is a killer.  It is harmful to your health in so many ways.  You don’t have to be a medical expert to know that.  We hear and read about it every day. The Mayo Clinic has a post about it.

One of the most, if not the most Stressful things in our life is when debt and bills pile up.  We took out the debt with the best of intentions, but events intervened, and we find ourselves unable to keep up. Then … Stress rears its ugly head, and begins to take a toll on our life physically and emotionally.

If you had a way to eliminate the Stress of bills and debt in your life, and thereby eliminating the toll that Stress takes on  you and  your family,  you would probably consider it.

Fortunately, there is a way. Bankruptcy. Bankruptcy is a time honored way  to deal with your debt and eliminate the Stress.  Bankruptcy is even provided for by the US Constitution. It is there to help. If you want to end stress, and regain your health, contact an experienced Bankruptcy lawyer today to see if they can help you.

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Renting a Dog ?!

Posted on July 28, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , |

Yes, believe it or not, there is a company that will “lease to own” puppies and dogs ! For a link to the story, click here.

Regardless, if you are leasing a dog, or more traditional things like vehicles, couches, computers or time shares,  lease or rental contracts can be “rejected” in bankruptcy.  That means that you can “get out of” the lease or contract and not owe any past or future fees or costs. Of course, you will have to surrender back to the company the item you are leasing or renting, but often times that is a much better option than remaining liable for the debt. Leases or contracts can be “assumed”, which means you can keep paying for the item and keep it, even though you are filing bankruptcy. You may want to do that, for example,  in the case of a vehicle that is necessary to keep as it may be your only vehicle and you can afford the lease payments.

Back to the dogs !  I would suggest a better option for getting a new puppy is visiting your local animal shelter.  That way, you are giving a needy pup a home and you won’t have to part with him if you do file bankruptcy !

If you are in a lease or rental situation and want to learn the effect filing bankruptcy will have on that lease or rental, be sure and discuss your situation with an experienced bankruptcy attorney … and be sure and mention to them if  you are renting a dog !

 

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Credit Counseling or Debt Consolidation ?

Posted on July 22, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | Tags: , |

 

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 for 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 affect, in some fashion, 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 experienced bankruptcy attorney.

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