Bankruptcy

Posted on June 4, 2019. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , |

petition 4

The federal government passed the bankruptcy law to protect and aid 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 their debts to the benefit of themselves and their creditors. If  you are struggling with your bills, give us a call here at Kentucky Bankruptcy Attorney John Rogers today. We may be able to help. The call and first visit are free … and there is no obligation. Let us know.

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Credit Card Monster !!

Posted on May 14, 2019. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , |

Has the  “monster” of credit card debt backed you in a corner you don’t think you can get out of ?

Recent news reports show that outstanding credit card balances in the US is over $1 Trillion Dollars.  You are not alone.

Credit Card Companies may sue you if you do not pay.

Bankruptcy may be an option to consider to give you the relief you need. Contact a bankruptcy attorney or lawyer today.  Most do not charge a fee to simply discuss the options available to you.

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Kentucky Bankruptcy Attorney John Rogers

Posted on April 9, 2019. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , |

About Our Office

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 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.

We are here to help. The first meeting is free and there is no obligation. Give us a call and see if we can help.

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Kentucky Bankruptcy Attorney John Rogers

Posted on February 11, 2019. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: |

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 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 address of www.bankruptcy.ky for more information on filing bankruptcy and John Rogers, Attorney at Law

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Here’s why you should talk to an attorney before you part with any of your tax refund.

Posted on January 22, 2019. Filed under: Chapter 7 Bankruptcy | 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 part with your tax refund money.

 

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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 johnrogers@glasgow-ky.com 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 HSH.com , 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 hsh.com

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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Bankruptcy is Forgiveness of Debt: A Principle as Old as the Bible

Posted on June 12, 2018. Filed under: Chapter 7 Bankruptcy, Consumer Alerts | Tags: , |

bible pic

“At the end of every seventh year you are to cancel the debts of those who owe you money. This is how it is to be done. Everyone who has lent money is to cancel the debt; he must not try to collect the money: the Lord himself has declared the debt canceled.”
-Deuteronomy 15:1-3

If you think bankruptcy can help you,  give us a call today for a free, no obligation consultation.

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