The discharge in a Chapter 7 case only covers the debts that were incurred before the case was filed.  The bills that a debtor incurs after the case is filed are not discharged.  The hope is that, after their old debts are cancelled by the discharge, debtors will be...

When choosing the right bankruptcy attorney or lawyer professional to assist you in making the best and correct decisions for your financial situation, many factors apply. One of the most important of those factors is experience.  It is very important to have an...

Whenever a debtor's application for credit is denied, the credit issuer is required to give the debtor, on request, a copy of any credit report that was used in making the decision.  Otherwise, debtors can obtain their credit reports for the major credit bureaus.  The...

Yes.  All of the debts have to be scheduled, with the name and address of the creditors.  This is so they can receive notice of the bankruptcy, and get their fair share of any money that is paid to creditors.  Sometimes debtors think that they should omit a creditor...

Debtors in Chapter 7 are required to give up "nonexempt" property that they own at the time of filing; they are allowed to keep both "exempt" property that they own at the time of filing and any property that they receive a right to own after the bankruptcy filing. ...

John Rogers, Attorney at Law is Certified-Consumer Bankruptcy Law-American Board of Certification.  www.abcworld.org    He is one of only 5 attorneys in Kentucky that has recieved this Certification.  John Rogers, Attorney at Law is also an active member of the...