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John Caldwell Rogers
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John Rogers’s Answers

57 total


  • You owe a valid medical bill, you are billed by the hospital/doctor do you have the right to cease and desist?

    If the balance is not in collections, I don't dispute I owe but I just don't what the calls or letters. Does the hospital or medical facility have the right to continue to bill or call me? Is this covered under any Act? What rights do the facilit...

    John’s Answer

    The medical providers do have a right to continue to try and collect the debt. As the other attorneys have said, most medical providers will work with you on a reasonable payment plan. Most even have dedicated departments and credit counselors that will work with you to establish a fair payment plan. There is no right to make a verbal statement to make the provider "cease and desist" from trying to get the bill paid. You may want to discuss your options with an attorney that handles debt issues or bankruptcy.

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  • Would I benifit from filing bankruptcy

    I am being sued for breaking a lease , I can not afford lawyer or the amount that I am being sued ( $3242) should I just file bankruptcy or slowly pay it off with payment plan. I have no money , full time student . What should I do ???, What woul...

    John’s Answer

    Since you are being sued, you should immediately (without delay) speak to an experienced bankruptcy attorney to discuss your options. If you are being sued, and do nothing, a judgment could be entered against you and your bank account or wages could be garnished. As mentioned by the other attorneys, many bankruptcy attorneys will offer a free, no obligation consultation to discuss your situation.

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  • I am in chapter 13 and getting ready to make my last payment and a creditor didn't make claim on a secured loan that was listed

    Can the bank ask for their money now

    John’s Answer

    All the answers given by the other attorneys are correct. You need to meet with your attorney that is representing you in this bankruptcy case and talk with them about your options, in light of what you have learned here. Good luck !

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  • I hired & paid in full a Bankruptcy Attorney a nice, polite & friendly guy now evasive, rude & uncaring.

    After my 341 Hearing & a day before I though I was receiving a discharge a 30-day extension was granted. 2 days later served a Notice to Appear for a Rule 2004 Exam. I call my attorney asking what a Rule 2004 Exam was, his reply, "I don't know, ...

    John’s Answer

    This is a troubling situation for you and I agree with all the attorney responses that have been given here. It is very important that you meet with your attorney as soon as possible on this issue. Be persistent on scheduling an appointment. This is not a matter that can be handled by emails back and forth between you and your attorney. You must meet with them in person. Good luck

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  • Will filing bankruptcy help me with being sued over an old bank account?

    I had a checking account that i took an advance on (loan) i moved from ohio to kentucky and switched banks. I had forgot about the loan and it went into overdraft and now 5 years later i recieve a call that im being sued for the amount. They said ...

    John’s Answer

    Bankruptcy is a good option to consider. As the other attorney said, you will definitely need an attorney experienced in bankruptcy law because of the possible fraud allegation. This allegation could just be a collection tactic by the bank or their collection agency to scare you into paying the debt. Please contact an attorney immediately. Most bankruptcy attorneys offer a free, no obligation appointment to discuss your situation. Good luck !

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  • Wanting to keep my home & file Ch. 7

    My spouse and are are considering chapter 7, however we do want to keep our home. We have had a payment history in the past 12 months were we are paying later than the due date but have made the mortgage within the 30 day grace period (with the ex...

    John’s Answer

    I agree with all the attorneys answers ... It is likely the mortgage company will reaffirm with you all. You could ask them in advance if you file Chapter 7, will they reaffirm ... they may tell you.

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  • I am currently in the midst of a Chapter 7 bankruptcy in KY and I am still being garnished for a hospital bill.

    I filed on 04/22. I was also being garnished at the time of filing. The garnisher was notified by the bankruptcy court and again by my attorney. Now they have filed in court to end the garnishment but still have never contacted my employer. I did ...

    John’s Answer

    You need to meet with an attorney that will help you. As the other attorneys have said, the answer may be to file a lawsuit in the bankruptcy case against the creditor and their attorney that will not stop the garnishment. You may receive your garnished funds back, be awarded damages and possibly your attorney fees to pay the attorney that you need to employ to do all of this. Since the attorney you meet with and hire may be awarded attorney fees by the bankruptcy judge, that may help you in finding an attorney that will take the case. Good luck !

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  • Can I be contacted about debts incurred after my bankruptcy has been filed?

    I want to know if I can be contacted about past due bills that were created after my chapter 7 case was opened (it is pending a decision). Thanks

    John’s Answer

    In addition to the answers above, I suggest you contact your attorney that is representing you in the bankruptcy and make them aware of this situation.
    Good luck !

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  • $1700.00 for Ch. 7 in KY. Is this excessive or average?

    I have a appointment tomorrow with a BK atty but I'm nervous as this seems excessive. I was told this includes pretty much everything and that the lawyer is "really good". I have no assets, mainly medical bills, and a few others totaling over $14k...

    John’s Answer

    I assume there is no cost to meet with the attorney, so I would suggest doing that, and meeting with several others, and weighing your options. The attorney fee cost of bankruptcy is variable and can even be different within different areas of the same state.
    Good luck !

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  • Filing a Chapter 13 bankruptcy after filing a Chapter 7 bankruptcy

    I live in Kentucky. My husband and I filed chapter 7 bankruptcy because the bank agreed to reaffirm on our mortgage. The bank backed out of the reaffirmation right before the chapter 7 was discharged. Can we now file a Chapter 13 to try to save ...

    John’s Answer

    There are many excellent bankruptcy attorneys in the Elizabethtown area. You should contact one immediately to discuss your options. Yes, it is quite possible to file a Chapter 13 to deal with the arrearage on your mortage that did not reaffirm in your Chapter 7. There are some issues that the attorney you choose will need to consider in evaluating your potential Chapter 13 case.

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