Are your bills a burden ?

Posted on May 17, 2018. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , , |

If you are looking at your debt today and feel that it is a burden to your life, give us a call here at Kentucky Bankruptcy Attorney John Rogers and we will be happy to schedule you a free, no obligation appointment to meet with you and discuss your options for resolving these issues. You are not alone. We are here to help and are ready to put our many years of experience to work for you. Kentucky Bankruptcy Attorney John Rogers is Board Certified in Consumer Bankruptcy Law by the American Board of Certification. Give us a call today at 1-888-651-9353 or email us at johnrogers@glasgow-ky.com

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Will you get to keep your tax refund money if you file bankruptcy ?

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

It will soon be the 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. 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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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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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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Paying Off Debt

Posted on September 30, 2015. Filed under: Consumer Alerts | Tags: , , , |

We ran across a decent article recently on tips to pay off debt.

Click here for the link to the article.

Often, it is better to resolve your debt issues without filing bankruptcy.

This article contains some tried and true tips to help do this.

If you have tried these, and still can’t resolve your debt issues, you may want to talk to an experienced attorney to discuss your options

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How the Consumer Financial Protection Bureau Can Help After Bankruptcy – @CFPB

Posted on July 16, 2015. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, consumer financial protection bureau | Tags: , , , |

If you are having issues with creditors and debt after bankruptcy, follow this guys lead and contact the Consumer Financial Protection Bureau (CFPB) for help !  They are there to help !

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Happy Independence From Debt Day !

Posted on July 3, 2015. Filed under: Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , , , , , |

flag

I hope everyone enjoys their time with family and friends this Independence Day weekend !  As you enjoy this time, and give thanks for our Founding Fathers that made the enjoyment of our Freedoms possible, remember that these same Founding Fathers also made it possible for your to be free of suffocating debt.

Our Founding Fathers placed the following bankruptcy clause in our Constitution:

To establish … uniform Laws on the subject of Bankruptcies throughout the United States;

By doing so, they have enabled you, and future generations of Americans to enjoy the safety net and protection from harassing creditors that it allows.

So remember, that along with your right to Free Speech and Freedom of Religion, you are also guaranteed the Right to Independence from Debt !

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What is bankruptcy and can it help you with what you owe ?

Posted on May 14, 2015. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , , |

Although bankruptcy cases can be complex, many of the procedures and cases are routine. Before filing a bankruptcy case, you or your attorney should analyze your eligibility for different forms of debt relief available under the Bankruptcy Code and which form of relief is most beneficial to you. Be sure you understand the relief you can obtain and its limitations.

To file a bankruptcy case, documents called a Petition, Schedules, and Statement of Financial Affairs, as well as in some cases a Statement of Intention need to be prepared correctly and filed with the bankruptcy court. You will have to pay a filing fee to the bankruptcy court.

Once your case is filed, you will have to attend a first meeting of creditors where you will be questioned under oath by a court official called a “trustee”. At this meeting you may also be questioned by your creditors.

If you choose to file a Chapter 7 case, you may be asked to reaffirm a debt. You may want help deciding whether to do so. A creditor is not permitted to coerce you into reaffirming debts.

If you choose to file a Chapter 13 case in which you repay your creditors what you can afford over a 3 to 5 year period, your attorney will help you in preparing your Chapter 13 plan and with the confirmation hearing on your plan which will be before a Federal Bankruptcy Judge.

If you select another type of relief under the Bankruptcy Code other than chapter 7 or chapter 13, you will want to find out what should be done from someone familiar with that type of relief.

Your bankruptcy case may also involve litigation. You are generally permitted to represent yourself in litigation in bankruptcy court. BE AWARE – Only an attorney can give you legal advice and can represent you in court.

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Surviving the Holidays, and Black Friday, Without Credit Cards

Posted on November 27, 2014. Filed under: Consumer Alerts | Tags: , , , , |

black friday

That $500 flat screen television you purchase on your credit card could end up costing you many hundreds, if not thousands of dollars if you don’t pay off your credit card every month…. just don’t do it !

This holiday season, if you can’t pay cash, don’t buy it. It’s simple. That relative or friend will think just as much of you if you give them a more inexpensive gift. It’s a cliche, but it really is the thought that counts.

photo credit: tshein via photopin cc

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What do Easter and Bankruptcy have in common ?

Posted on April 18, 2014. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts | Tags: , , , , |

flowers spring

Easter is about redemption, forgiveness and a fresh start with a new life.

Guess what ? … bankruptcy is about the very same thing.

As you enjoy this Easter holiday weekend with family and friends, focus on those relationships and think about changing your life and removing the burden of debt so you can more richly enjoy those relationships without the constant worry of debt and debt collectors.

You don’t have to live like this … and we can help. Call today 1-888-651-9353

photo credit: Bert Kaufmann via photopin cc

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