John Robinson

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This acclaimed central Kentucky law firm hosts attorneys with more than a combined thirty five years of legal experience. Attorneys John C. Robinson and Benjamin M. Salyers have assisted thousands of clients in Louisville, Frankfort, Shelbyville, and surrounding communities.

If your finances are overwhelming you or you have been injured as a result of someone's negligence, this is the firm to call immediately so Mr. Robinson or Salyers can take immediate action to protect your legal interests and get your life back on track.

University of Kentucky College of Law

J.D. (1997) | Law

Transylvania University

B.S. (1993) | Economics

With Honors, Vice President of Transylvania's Economics Honor Society

Attorney

Robinson Salyers, PLLC

2005 - Current

Attorney

The Zoppoth Law Firm

2002 - 2005

Attorney

Landrum & Shouse LLP

2000 - 2002

Pre-Bankruptcy Planning, 15th Biennial Consumer Bankruptcy Law Conference, University of Kentucky CLE (held by Zoom Video)

2020

University of Kentucky, J. David Rosenberg College of Law

Best Workers Compensation Attorneys in Lexington

Expertise.com

2024

Best Bankruptcy Attorneys in Lexington

Expertise.com

2024

Kentucky Bar Association

Member

Current

National Association of Consumer Bankruptcy Attorneys

Member

Current

Indiana Bar Association

Member

Current

Louisville Bar Association

Member

Current

Indiana

Indiana Supreme Court

Kentucky

Kentucky Bar Association

US District Court, Eastern & Western Districts of Kentucky

US District Court, Southern District of Indiana

• Free Consultation
• Credit Cards Accepted
• Contingent Fees

Q. We have $50,000 in debt that we may file Chp7 on, but we don’t want to file on a tractor we bought last year.

January 18, 2023

A: Great question, and one that I frequently field from potential filers. The John Deere Finance loan will have to be identified in the bankruptcy schedules. This ABSOLUTELY does NOT mean that you have to give up the tractor. There are multiple paths available to keep the tractor. One path, reaffirmation, would involve you signing a new contract (a "reaffirmation" agreement) as part of the bankruptcy case. When you reaffirm a debt you sign a new contract with the creditor. Typically the terms of a reaffirmation are the exact same as the original/current contract. When you "reaffirm" you re-obligate yourself on the account as if you did not file as to that particular debt.

The second path forward is commonly referred to as a "ride-through." When you ride-through, you simply continue to make the payments. The creditor applies the payments in accordance with the terms of the contract, and releases any lien/security interest when all payments are made. When you ride-through, you do not re-obligate yourself. This means that if something happens after the BK and you do not want the property or are unable to make the payments, you simply surrender the tractor to John Deere Finance. John Deere would not be able to pursue you for any more money if the collateral doesn't sell for enough to pay the account in full after you surrender it.

Thanks for the question and best of luck along your financial path. ... Read More

Q. My husband and ex wife had a vehicle together. And they failed to make the payments. Can my husband file bankruptcy?

November 1, 2019

A: Yes, he can file for bankruptcy. However, if he agreed in his divorce to assume responsibility (sometimes referred as "indemnify and hold harmless) for the debt it becomes more complex. If so, his attorney needs to think through the fact that a Chapter 13 discharge eliminates marital obligations that may not be eliminated by a Chapter 7 discharge.

Q. I own two vehicles. One is paid for i have loan on the other which my mom cosigned for. Can i keep then both chap 7 n KY

May 21, 2019

A: In all likelihood, yes. The only problem would be if the two vehicles have a lot of value (equity in the vehicle with the loan). You will just need to continue making the loan payments to keep the second vehicle.