Our Client’s Testimonials Speak for Themselves

Posted on November 2, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , |

” 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

“Always willing to listen and answer my questions. All of the staff, as well as Mr. Rogers, went beyond the call of duty.” – Diana

“During my meetings, I didn’t feel like I was looked down on. Mr. Rogers was so nice.” -Annette

“Everybody was always so friendly and willing to help me in any way. I would just like to thank John for walking me through this whole process. Everything he told me was correct. ” -Anna

“Everyone was very helpful. No matter how many times I called or how many questions I had.” -Danny

“John Rogers was very polite and accurate in his job and very fast in getting the job done. He is a very good attorney” – Carolyn

“Made us feel like it was okay to go this route and didn’t make us feel ashamed or foolish.” -Victor

“I would recommend people to your office if they were looking for a good attorney. ” – Susan

“Prayer helped us choose your firm. We saw your ad and felt very comfortable with you. ” – Mike

“We didn’t think anyone could be as great…” -Wayne

“All the staff was friendly and helpful. I never felt judged or ashamed for my situation. Everything went smoothly and as expected.” “Every time I called with a question or concern, whoever answered the phone was always helpful and knowledgeable of who I was and what I needed to know. Any messages I left were returned quickly.” -Mike

“All friendly and helpful with any and all questions that I had during a stressful period in my life” -Kimberly

“Very kind and understanding of our problem” -Brian and Teresa

“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 convience” -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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Frequently Asked Questions about Bankruptcy

Posted on October 9, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: |

Frequently Asked Questions about Bankruptcy

Q: Why do so many folks file bankruptcy?

A: Americans generally have overextended themselves by using too much easily accessible credit to finance overspending, combined with lack of savings. With no financial safety net, sudden crises such as medical emergencies, job losses or failed businesses, death or disability of spouses, or divorce can result in insurmountable debt.

Q: What alternative courses of action are there to filing bankruptcy when facing overwhelming debt?

A: Short of bankruptcy, a debtor may enter into mediation with creditors or negotiate workout agreements to extend due dates, lower interest rates, partially forgive debt, or alter other terms. These options can be risky  as the debt you don’t pay back could be sold to a debt buyer  who could come after you later.

To help sort your way through the complicated maze of  bankruptcy, you need the assistance of knowledgeable legal advocates, with years of experience and demonstrated trustworthiness.

If you are facing financial problems, an experienced bankruptcy lawyer can explain bankruptcy options that can help you to get a fresh start on life and a return to financial stability. At the Glasgow, Kentucky, law office of bankruptcy attorney John Rogers, we have a thorough understanding of the realities faced by people entering into Chapter 7 bankruptcy or Chapter 13 bankruptcy. It is our goal to help our clients find realistic solutions to their financial problems.

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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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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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Retirement, Pensions, 401k’s and Bankruptcy

Posted on November 14, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy | Tags: , , , |

The good news is that if you file bankruptcy, you will, most always, not lose your retirement savings.  The federal bankruptcy exemption laws, and most state exemption laws,  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 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. If you are considering bankruptcy, before you withdraw any funds from a pension plan or 401k, you should always consult with an attorney.

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.

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Which is best: Credit Counseling, Debt Consolidation or Bankruptcy ?

Posted on September 30, 2017. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts | Tags: , , |

Are you considering debt relief through a consumer credit counseling or debt consolidation service ? You may be surprised to learn that these companies can do more harm than good to your credit. Many will lead you into a false sense of security by thinking that they are dealing with your debt, when in reality, they are not. We have had many clients who we have had this happen to them, and even been sued by creditors even after employing the debt consolidation service. It sounds appealing, but can be deceptive.

Many times, bankruptcy is a better option, and you should always meet with a bankruptcy attorney to thoroughly discuss your personal financial situation in order to allow them to help you decide what is the best solution to your financial problems. Most bankruptcy attorneys will offer a free, no obligation consultation to  discuss your debt issues.

 

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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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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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