John Rogers, Attorney At Law

08/09/2026

Debt Collectors are shaking you down at every turn. Bankruptcy stops them. Call us today !

07/13/2026

We just celebrated Independence Day 250 for America !

Is credit card debt and medical debt weighing you down and preventing you from being able to pay debts that you need to keep such as a mortgage or your car or truck ? Declare your own independence from stifling debt.

Contact us today and we can look at solutions to enable you to move on with your life and not have the stress and worry of collections and lawsuits.

Bankruptcy is a time-honored and approved way to enable you to pay the debts that you need to pay. In fact, it’s provided for in the US Constitution that our founding fathers wrote and is defended to this day.

Contact us today at John Rogers, Kentucky Bankruptcy Attorney

07/03/2026

06/17/2026

TUESDAY TESTIMONIAL

Mr. Rogers and his staff are absolutely amazing. Though Bankruptcy can be a very nerve-racking experience, they keep you at ease, explain everything, and make the process so much easier. And they don’t make you feel like failures because you’ve been put into a situation where you had to file for Bankruptcy. Highly recommend them.
-Ed D.

05/30/2026

Why Chapter 13 Bankruptcy Is Often Better Than Debt Resolution Companies

By John Rogers, Attorney at Law

If you're struggling with overwhelming debt, you've probably seen advertisements from debt resolution or debt settlement companies promising to reduce what you owe. While these programs may sound appealing, Chapter 13 bankruptcy often provides stronger legal protections and a more reliable path to financial recovery.

Debt resolution companies typically negotiate with creditors in an attempt to settle debts for less than the full balance. However, creditors are not required to participate, and collection efforts may continue while negotiations are underway. In many cases, consumers are instructed to stop making payments to creditors, which can result in lawsuits, wage garnishments, and damaged credit.

Chapter 13 bankruptcy, on the other hand, is a federally protected legal process. The moment a Chapter 13 case is filed, an automatic stay goes into effect, stopping most collection calls, lawsuits, garnishments, and foreclosure actions. Instead of negotiating with creditors individually, you make one affordable monthly payment through a court-approved repayment plan.

Chapter 13 can also help you catch up on mortgage payments, stop vehicle repossessions, and protect important assets while repaying debts over time. Unlike debt settlement programs, creditors must follow the terms approved by the bankruptcy court.

Every financial situation is different, but for many people facing serious debt problems, Chapter 13 bankruptcy offers greater protection, more certainty, and a clearer path toward financial stability.

If you're considering your options, consult with an experienced bankruptcy attorney to learn whether Chapter 13 bankruptcy may be the right solution for you.

John Rogers, Attorney at Law - Helping Kentucky families find relief from overwhelming debt.

05/23/2026

We are a consumer bankruptcy law firm helping persons and businesses with their financial situation.

04/14/2026

Don't let overdue bills pile up. Bankruptcy can help. Call us today !

01/30/2026

Tax refund time is here. We always 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 and what you do with the refund. 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 taken by the trustee. You can also use your tax refund to pay the fees and costs for the bankruptcy and your general living expenses such as rent, groceries etc.

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 will be unique, so always discuss your options with an experienced bankruptcy attorney before you part with your tax refund money.

01/27/2026

Bankruptcies are on the rise. We can help you today. Give us a call.