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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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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Looking at Your Bills ?

Posted on January 27, 2015. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney, Debt Collectors, Reorganization of Debts | 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 Rogers Law Consumer Help Center 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. John Rogers, Attorney at Law is Board Certified in Consumer Bankruptcy Law by the American Board of Certification. Give us a call today at 1-888-651-9353

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Tax Refunds and Bankruptcy … Will You Lose It ?

Posted on January 6, 2015. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , |

tax refund

It’s 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. The general bankruptcy exemptions available under the federal bankruptcy exemptions (which we can use 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, and as we said above, used to pay the fees and costs for the bankruptcy.

Talk with an experienced bankruptcy lawyer before you get your refund. They can give you good advice on how to protect your refund.

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Helping Folks in 2014 … Truly Blessed

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

2014 was a great year at the office of Kentucky Bankruptcy Attorney John Rogers. Thanks to the clients below, and many others, for allowing us to help them with their financial issues and providing them a fresh start. We approach each person with the same skill and care and take a personal approach to helping. If we can help you in 2015, give us a call ! We are blessed to be able to help.

“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” -C

“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

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We Are Here to Help

Posted on May 19, 2014. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , |

thumbs up

“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.” -R and K

We appreciate our clients and the situations they face. We are here to help and are always thankful and grateful to hear from our clients about their experience with our services.

Kentucky Bankruptcy Attorney John Rogers

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When filing bankruptcy, do I have to list property that I “inherited” ?

Posted on April 26, 2014. Filed under: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Alerts | Tags: , |

will 2

When consulting with a bankruptcy attorney, it is very important to share with the attorney a complete listing of all the “real property” that is owned. This may seem very easy and straightforward. Often, we have folks that forget to tell us about real property that they have inherited. They don’t think about that inherited property being property that “they” own. The issue often becomes murkier for them when they own the inherited property with other family members, possibly brothers and sisters.

Even if you have inherited real property, also known as real estate or land, you still have what is known as a “property interest” in that real estate or land. Also, any structures that have been built on that land, such as houses, barns, and the like, are also considered part of the land and are valued with the land and you have a “property interest” in them as well.

For example, if you own the real property with family members, say 2 brothers, then you would only have a one-third interest in that land, but, nevertheless, it is a considered a property interest under the bankruptcy law. It must be disclosed to your attorney and listed in a bankruptcy petition.

Often, folks will only tell us about inherited real property when we start asking them questions about any inheritances that they may have received in the past. I don’t believe they are intentionally not telling us about the real property, it just seems that they don’t think of it as really “theirs”. When we do find out about the inherited real property, and ask why they didn’t tell us about it when asking earlier if “they” owned any land, they often say they just did not consider that “their” property, in the sense that they owned it outright.

The role of the bankruptcy attorney, and the questions they ask, can be very crucial in discovering all of the real property interests of a debtor. It is always best to share with your attorney any thing of value that you own or even have any dealings with whatsoever.

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How much do our clients like us ? Let them tell you !

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

testimonials

” 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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What happens if I have sold or transferred something right before I file bankruptcy ?

Posted on January 30, 2014. Filed under: Consumer Alerts, Consumer Bankruptcy Attorney | Tags: , , , , , |

for sale sign

Always, always share with your attorney anything you have sold, conveyed, transferred or otherwise taken out of your name within 2 years prior to filing bankruptcy. Most of the time, it will be an issue that will cause no problems with your bankruptcy filing. Other times, it will be an issue that if your attorney is made aware of, then your attorney can give you advice on what effect it would have on a bankruptcy filing and it make cause you to rethink the bankruptcy filing. Other transfers may be things that would not cause any problem or delay in filing bankruptcy. But, if you don’t tell your attorney about it, then she will not be able to properly advise you on how to deal with the transfer. Finally, if in doubt whether something is a transfer, tell your attorney and he will advise you accordingly.

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