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, Debt Consolidation or Bankruptcy?

Posted on April 6, 2016. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Debt Collectors, Reorganization of Debts | Tags: , , |

 

Are you considering debt relief through an online consumer credit counseling  or debt consolidation service ?  You may be surprised to learn that they can do more harm than good to your credit.  Most times, bankruptcy is a better option, and many attorneys will be happy to sit down with you for a free consultation 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, it’s always important to consider if there is an alternative to filing bankruptcy.

The decision to file bankruptcy is a difficult choice for folks 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 and can impact it much less than continued delinquencies on your credit report.  The decision to file bankruptcy must be carefully made in consultation with an attorney.

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Buy Here, Pay Here Car Loans … Do I Have to List It in My Bankruptcy ?

Posted on December 30, 2015. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Reorganization of Debts | Tags: , , , , , , |

Yes, car lots that finance the purchase of car are very common and do have to be listed as a creditor in  your bankruptcy and the vehicle you purchased does have to be listed as an asset. If you have such a vehicle loan, be sure and tell your bankruptcy attorney about the loan. If you are current on the loan, and you are filing Chapter 7 bankruptcy, you can very likely reaffirm the loan and keep paying the car lot and keep the vehicle.  You also have the option of surrendering the vehicle back to the car lot and owing them nothing in a Chapter 7 bankruptcy.  If you are filing Chapter 13 bankruptcy, you can surrender the vehicle, keep the vehicle and keep paying for it outside the Chapter 13 plan, or put the debt on the vehicle inside the plan and keep the vehicle. The details, paperwork and title of the purchase and the vehicle need to be provided to your bankruptcy attorney immediately.  There are issues that could arise that your attorney can check that could affect your ability to keep the vehicle if you are filing Chapter 7, even if you wanted to keep paying for it and are current on the payments.

Your attorney can guide you as to the best option for you in keeping the vehicle or letting it go.

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Happy New Year ?

Posted on December 30, 2015. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , , , , , , , , , |

It can be. 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.

At Kentucky Bankruptcy Attorney John Rogers, 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 visit with us ! We look forward to helping you get a great beginning to the new year !

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A New Year and Time for a Fresh Start !

Posted on December 16, 2015. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | Tags: , , , , , , , , |

In a couple of weeks, we will be in the new year of 2016. Wow, time marches on ! Whether you celebrate the new year by eating black-eyed peas or watching fireworks, 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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Credit Counseling or Debt Consolidation ?

Posted on December 1, 2015. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | 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 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.

photo credit: hang_in_there via photopin cc

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Can we help you today ?

Posted on November 25, 2015. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Uncategorized | Tags: , , , , , , , , |

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 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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Credit Counseling, Debt Consolidation or Bankruptcy ?

Posted on November 10, 2015. Filed under: Chapter 13 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Reorganization of Debts | 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 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 attorney.

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Is credit counseling, debt consolidation or bankruptcy the best option for me ?

Posted on October 30, 2014. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | 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 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. In analyzing your particular situation, 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 attorney.

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Credit Counseling, Debt Consolidation or Bankruptcy ?

Posted on May 14, 2014. 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 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 attorney.

photo credit: hang_in_there via photopin cc

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