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Columbia - Lexington Bankruptcy Lawyer

Pre-Bankruptcy Planning for Tax Claims

By Lex Rogerson | March 9, 2012 | 0 Comments

By Columbia – Lexington bankruptcy attorney Lex Rogerson Consider these sophisticated strategies to get maximum benefit of your bankruptcy for past due taxes For some of our clients, the most important service we render is advice about how to prepare…

Study Finds Bankruptcy “Reform” a Costly Failure

By Lex Rogerson | February 23, 2012 | 2 Comments

Written by Lexington /Columbia Bankruptcy Lawyer Lex Rogerson If the lending industry lobbyists who pushed Congress into the 2005 bankruptcy law amendments wanted to increase the amount of money creditors receive in bankruptcy, they failed completely. But they succeeded in…

Debts That Survive Bankruptcy: Domestic Relations Obligations

By Lex Rogerson | February 3, 2012 | 1 Comment

Written by Lexington/Columbia Bankruptcy Lawyer, Lex A. Rogerson, Jr. Congress has declared that debtors usually cannot get rid of domestic (family court) obligations in bankruptcy. When Chase or Wells Fargo extends credit, they know there is a risk that the…

Debts That Survive Bankruptcy

By Lex Rogerson | January 15, 2012 | 1 Comment

Written by Lexington/Columbia Bankruptcy Lawyer, Lex A. Rogerson, Jr. In most cases, discharging debt is a major, if not the sole, reason for filing bankruptcy.  You file bankruptcy to get a fresh start and get on down the road of…

Avoiding Bankruptcy

By Lex Rogerson | December 10, 2011 | 0 Comments

Written by Lexington/Columbia Bankruptcy Lawyer, Lex A. Rogerson, Jr. Avoiding bankruptcy.  There can be a number of  potential reasons why someone with debt problems decides not to file bankruptcy.  Fairly often we’ll advise our Columbia area clients not to file…

Bankruptcy Means Test and Falling Incomes

By Lex Rogerson | November 16, 2011 | 0 Comments

Written by Lexington/Columbia Bankruptcy Lawyer, Lex A. Rogerson, Jr.  In the last two years, household incomes have generally fallen in South Carolina, pulling a cruel switcheroo on many distressed middle-income families at a time when the economy makes avoiding bankruptcy…

What if I Fail the Means Test?

By Lex Rogerson | November 12, 2011 | 4 Comments

Written by Lexington/Columbia Bankruptcy Lawyer, Lex A. Rogerson, Jr. If you “fail” the mean test, this results in a presumption of abuse.  You still may be able to file Chapter 7, but trying to do so becomes a little more…

What’s the Bankruptcy Means Test?

By Lex Rogerson | November 7, 2011 | 3 Comments

Written by Lexington/Columbia Bankruptcy Lawyer, Lex A. Rogerson, Jr. In the 25-plus years I’ve been helping people file bankruptcy here in the Columbia area, one of the biggest changes has been the advent of the means test, designed to limit…

Chapter 13 and the Means Test

By Lex Rogerson | November 4, 2011 | 3 Comments

Written by Lexington/Columbia Bankruptcy Lawyer, Lex A. Rogerson, Jr. The means test is found in Chapter 7 of the Bankruptcy Code and was primarily intended as a screening mechanism for Chapter 7 cases.  However, it plays a significant role in…

Is Bankruptcy Really the Last Alternative?

By Lex Rogerson | November 2, 2011 | 0 Comments

Written by Columbia – Lexington Bankruptcy Attorney Lex Rogerson Last weekend I heard a Columbia radio advertisement for a debt adjustment service.  Aiming his message at those with out-of-control debt, the announcer said, “Don’t file bankruptcy – that should be…

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