Are you over 60 years old and facing financial issues ?

Posted on November 21, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy | Tags: , |

As this article illustrates, we are seeing more and more older folks in our office that are struggling with paying their bills and making ends meet, especially those on a fixed income. As expenses increase, monthly retirement payments, including social security, do not increase. That is a recipe for disaster.

There is no upper age limit on filing for bankruptcy. Although as more older folks visit us for help with bankruptcy, some do have retirement savings they want to protect. The good news is that if you file bankruptcy, you will, almost always, not lose your retirement savings. The only possible exception is if you had put a very large amount of funds into the retirement or 401k just before filing bankruptcy. The federal exemption laws, and most state exemption laws, do protect your retirement savings from going to pay your creditors. A few years ago, the United States Supreme Court ruled that the retirement exemption is very broad and applies to most all types of retirement, including ESOP’S, or employee stock ownership plans. This was great news for consumers. When you meet with an attorney, be sure to disclose all types of retirement plans that you currently have, as the law is constantly changing.

As with any issue involving bankruptcy or your finances that you are concerned about, I urge you to contact the nearest, well qualified bankruptcy attorney to answer your questions. In our office, we offer a free, one hour consultation to discuss your issues.

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Bankruptcy: Enshrined in Our Constitution to Protect Us

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

Although several countries have bankruptcy laws of one variety or another, most are designed to assist businesses in financial trouble. The United States is unique in that it is one of very few that have a bankruptcy system designed to assist the consumer debtor. Additionally, this protection afforded by bankruptcy is enshrined in our Constitution.

The New York Times has an article describing the horrors of a country without such a bankruptcy law to act as a safety net for the honest, but unfortunate debtor. The article describes how one Afghani man owed a debt that almost required him to sell his 6 year old daughter in marriage to the creditor when he could not repay the debt.  Thankfully at the last minute, someone paid his debt for him averting disaster.  But how many times in Afghanistan and other countries do debts go unpaid and a child is lost ?  The man had originally borrowed the money to pay for medical bills.

Let us be thankful that we live in a country that allows the honest but unfortunate debtor to be protected from such evils as described in this article, or other evils such as debtor prisons or involuntary servitude to the creditor.

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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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We are Here to Help

Posted on October 31, 2016. Filed under: Consumer Alerts, Uncategorized | 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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Kentucky Bankruptcy Attorney John Rogers

Posted on October 25, 2016. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Uncategorized | Tags: , |

John Rogers is a consumer bankruptcy attorney in Kentucky and blogs about consumer finance and bankruptcy issues at www.johnrogersattorney.me and on Facebook at the Rogers Law Consumer Help Center page.

John has over 27 years of experience in consumer bankruptcy law and is the state chair of the National Association of Consumer Bankruptcy Attorneys. He is also board certified in consumer bankruptcy law by the American Board of Certification.

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Can I keep my vehicle if I file bankruptcy ?

Posted on October 19, 2016. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | Tags: , , |

Yes ! 

It is very possible, and likely, that you will get to keep your vehicle if you file bankruptcy, if you want to keep it.

If you owe on the vehicle, and you are current on your payments, then you can generally continue to keep paying who you owe and keep the vehicle in whatever type of bankruptcy you file.

If you are behind on the payments on the vehicle, and you want to keep it, there is a type of bankruptcy (Chapter 13) where you can pay for the vehicle through the bankruptcy and eliminate the payment, and sometimes lower the interest rate on the debt. You can still do this even if you are current, possibly in order to lower the interest rate.

Likewise, if you owe on a vehicle and want to stop paying and don’t want to keep the vehicle, you can surrender it and in some types of bankruptcy owe nothing, and in another type, surrender and pay what’s left owing through the bankruptcy (Chapter 13) after the vehicle is sold.

It is important that you discuss your options with an experienced bankruptcy lawyer as soon as possible. Most lawyers are willing to offer you a free, no obligation appointment to discuss your situation to see if bankruptcy is right for you and how it would effect your vehicle.

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How to Choose a Bankruptcy Lawyer

Posted on September 29, 2016. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | Tags: |

It’s not always the most expensive bankruptcy lawyers that are the best or the cheapest that are the worst. In most areas, the prices for filing bankruptcy are determined by the market. The filing fees and credit counseling fees are set fees. The attorney fee, in most cases can vary. (The exception is Chapter 13 where, in most jurisdictions, the price is set by the court)

One of the most important things to look for, other than price, is the experience of the lawyer. How many bankruptcy cases do they usually handle per month? How many cases have they filed in the last year ?

Is the lawyer a member of any bankruptcy attorney professional associations ? The National Association of Consumer Bankruptcy Attorneys is the largest professional association of consumer bankruptcy attorneys representing folks filing bankruptcy. If a lawyer is a member, chances are good that they stay current on the law and ways to help you.

Also, there is national board certification for consumer bankruptcy attorneys done by the American Board of Certification. To become board certified and remain board certified, attorneys are required to pass thorough written examinations testing their knowledge of bankruptcy law and must certify that they maintain continuing education far over and above the minimum required by each state, in bankruptcy continuing education. Also, the attorneys are required to have been involved in a minimum level of cases for the period of certification. In other words, they must remain competent in bankruptcy law in practice and experience.

By clicking on the links above to both organizations, you can go to their sites and both sites have attorney finder options to help you select an attorney in your area that is a member.

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We are Here to Help … Plain and Simple

Posted on August 17, 2016. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , |

If you are having difficulty paying the bills in 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, but we are here to help.

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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Who we are and how we can help !

Posted on August 10, 2016. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | 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 initial consultation and we are available to accommodate your schedule and meet with you on weekends or during the evening.

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

John Rogers, Attorney at Law is also a member of the National Bankruptcy Forum , consisting of knowledgeable bankruptcy attorneys who are willing to share their expertise to assist you in learning about the bankruptcy process.

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