Consumer Bankruptcy Attorney

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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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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A New Year and Time for a Fresh Start !

Posted on December 28, 2016. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , , |

In less than a week, we will be in the new year of 2017. Wow, time marches on ! Whether you celebrate the new year by eating black-eyed peas, watching fireworks or spending time with friends, welcome the new year as an opportunity to begin anew.

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.

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 no obligation, no hassle, free visit with us ! We look forward to helping you get a great beginning to the new year !

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Bankrupt Student Can Discharge Debt Because It Wasn’t a Loan

Posted on December 21, 2016. Filed under: Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | Tags: , |

In an interesting bankruptcy case from New York, the Court determined that a debt owed to a college was NOT a student loan for purposes of the bankruptcy law, and consequently, COULD be discharged in the debtor’s bankruptcy case.

For an article discussing this case, click here.

For the full case, click here.

Normally, bankruptcy law does not allow the discharge of student loan debt, but this is a unique exception. As student loan debt is increasing and becoming more of a burden on folks, it appears more bankruptcy courts are exploring ways to allow debtors to discharge student loan debts.

If you have student loan debt, you should not always assume there are not options available.

There are law firms that specializing in helping folks with student loan debt.

 

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What to do when you have finally made the decision to talk with a bankruptcy attorney about your debt.

Posted on December 21, 2016. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: |

Once you have made this decision, then it becomes important to find the right attorney to help guide you. Here are a few tips that I think are important in finding the right attorney to talk with.

If possible, ask friends or family in the community where you live if they have ever had any experiences in talking with or being represented by a bankruptcy attorney. If this is not practical, or you don’t feel comfortable doing this, you may want to talk to an attorney in the community that you know or has represented you or a family member with another legal matter. Chances are that attorney may not handle bankruptcy matters, but most will know of the right attorney to refer you to assist you with bankruptcy. It is very common for attorneys that practice in one area to know who is the best attorney in another area of law that they do not practice in. They almost always want to be able to steer you in the right direction.

Also, you may want to check either on the internet or the yellow pages of your local phone directory. Most attorneys that handle cases primarily in one particular area of law, such as bankruptcy, will want consumers to know that and will advertise or make that known either through a website or yellow pages advertisements. The internet may be the more up to date place to check, as studies have shown that most folks find out about services now through websites as opposed to the yellow pages.

You may want to know if the attorney is Board Certified in Consumer Bankruptcy Law by the American Board of Certification. This organization is the only certification group in the United States that give board certification in bankruptcy law. Generally, an attorney that has taken the steps needed to obtain certification will have a deep knowledge of bankruptcy law and how it can assist you. Also, you may want to know if the attorney is a member of the National Association of Consumer Bankruptcy Attorneys. This voluntary professional association is the largest group to assist in the professional development of lawyers that primarily represent consumers seeking relief under the bankruptcy law. This group has two meetings per year where attorneys discuss new and changing areas of the law and discuss developing ways to assist their clients. Again, generally, if an attorney is a member of this group, he or she has taken a special interest in staying current on legal issues to best represent their clients.

Finally, when you finally meet with the attorney, ask them how many cases they typically handle per month. This will give you a good indication of their experience level and how they may best help you. Just as when deciding on a surgeon, you would not want an attorney that only handles 1 or 2 bankruptcy cases every few months. It would most likely be best to have someone who appears in court regularly and has the broad experience to assist you.

These are some general guidelines to use when searching for a bankruptcy attorney. We will discuss more in upcoming posts.

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