Consumer Bankruptcy Attorney

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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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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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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