John Rogers, Attorney At Law

08/24/2026

Medical debt lawsuits can come out of the blue. Bankruptcy will end them. Call us !

08/21/2026

Considering Bankruptcy ? Information is power !

In the information age, we're inundated with information about bankruptcy. Some of it accurate and much of it nonesense or worse. Half the people who've

08/18/2026

Credit Scores Increase after Filing Bankruptcy

The report describes bankruptcy trends in the years including the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) and the Great Recession.

08/18/2026

Yes, they do.

After bankruptcy, credit scores go steadily up, says a 17 year study released by the Consumer Financial Protection Bureau. Got that? Scores go

08/18/2026

"Your services greatly exceeded my expectations. Your office was very friendly and I felt comfortable. Everyone was very helpful." - S.W., actual client

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.