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Chapter 7 Bankruptcy

Straight Bankruptcy

Financial woes are often accompanied by harassing phone calls from creditors demanding payment on past-due bills, or threats by banks of foreclosure on your home due to the failure to make the monthly mortgage payments. Chapter 7 bankruptcy filing can put an immediate halt to those activities by giving you breathing space from your creditors. It permits you to simply be relieved of the financial pressures that drove you into bankruptcy. In the long run, it can afford the opportunity for a fresh start on life and a return to financial stability.

At the law office of John Rogers, we provide experienced bankruptcy services to people throughout south central Kentucky. We are very knowledgeable and have an in-depth understanding of the realities faced by people entering into bankruptcy. We believe that we can help find realistic solutions to your difficult financial problems.

One of the primary purposes of bankruptcy is to discharge certain debts to give an honest individual debtor a fresh start. The bankruptcy discharge has the effect of extinguishing the debtor's personal liability on dischargeable debts. Although the filing of an individual chapter 7 petition usually results in a discharge of debts, an individual's right to a discharge is not absolute, and some types of debts are not discharged. Generally, the following debts are not discharged in a chapter 7 bankruptcy:

• Student loans
• Tax debts less than three years old
• Fraudulent credit card charges or fraudulent obtaining of credit
• Alimony and child support
• Criminal restitution

Chapter 7 Bankruptcies, which many lawyers refer to as straight bankruptcy, generally take 3 months or so to complete and usually take only one trip to the court house. Filing bankruptcy puts into effect an automatic stay. An automatic stay immediately stops your creditors from trying to collect what you owe them. Bankruptcy protection by the automatic stay will go into effect upon the filing of your bankruptcy. It will immediately prevent foreclosure, repossession of an automobile, and prevent a creditor from filing suit against you or continuing with a case.

Contact the law office of John Rogers for total bankruptcy representation and advice. We offer a free initial consultation and evening and weekend appointments area available upon request. We look forward to being of assistance to you.

John Rogers Attorney at Law Old Firehouse Building 111 West Wayne Street Glasgow, Kentucky 42142 Phone: 1-888-651-9353 Fax: 270-651-9350 Email Me For Directions, click here

Certified - Consumer Bankruptcy Law - American Board of Certification