Archive for January, 2011

Discrimination can cause Financial Difficulties

Wednesday, January 19th, 2011

People can experience severe financial difficulties for many different reasons.  One of the more egregious causes of financial problems is  illegal discrimination.   People who are looking for employment and people who are employed may find that there income is damaged because of employment discrimination.  This discrimination can negatively impact a person not only financially, but emotionally.  Discrimination in employment matters includes age, race, gender, sexual preference and religion.   People  often find that they are discriminated against by employers causing them to have financial difficulties.   This abusive discrimination by employer’s can harm an employee’s productivity, initiative, earning capacity, self-image, reputation and emotional state of mind. It may take the form of out of discrimination failing to give a  worker adequate job responsibilities, demotions, lack of promotions, unfair criticism and offensive discriminatory remarks by other employees.  In some situations employers use pre-textual acts to force a victim of discrimination out of his or her job.  Having to put up with illegal discrimination on a regular basis either in looking for a job or on the job can be intimidating, exhausting, emotionally damaging, and can have long-term effects on a person’s health, career, and life.  Workers do, however, have a legal right to be free from  illegal discrimination and do not have to tolerate it.  The law protects workers from illegal discrimination. People who believe they have been the victim of unlawful discrimination should move in a timely manner to get relief. A worker who is the victim of  illegal discrimination can seek legal help from a Minnesota lawyer who can advise him or her on potential avenues of  relief from illegal employment discrimination.  If an a person also is experiencing severe financial difficulties he or she can consult with a Minnesota bankruptcy attorney who can go over bankruptcy alternatives.  It is important when a person has more than one legal problem to coordinate all legally related activities.  In setting up an appointment with a Twin Cities law firm to see a Minnesota attorney it is important to let the firm know all types of legal services that a person may be interested in exploring.  At a meeting with a bankruptcy lawyer a consumer can get a bankruptcy evaluation that includes the means test.  A qualified debtor can go over the suitability of pursuing a Chapter 7 or Chapter 13 bankruptcy.  Debtor’s should not hesitate to discuss bankruptcy with a Minneapolis bankruptcy attorney or St. Paul bankruptcy attorney because of misconceptions.  There are a number of  bankruptcy myths that are not true, but if believed may keep an eligible debtor from getting needed relief.  Prompt attention to getting legal assistance can lead a person to potentially getting a fresh start.

The information you obtain on this blog is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation.  Reading this blog does not create an attorney-client relationship.

We are a debt relief agency.  We help people file for relief.

Getting Reliable Bankruptcy Information

Thursday, January 13th, 2011

People experiencing debt pressures sometimes rely on faulty information in assessing what can be done to make the problematic situation better.  There are a lot of bankruptcy myths if believed can destroy the initiative to make positive changes in the financial situation.  Rather than rely on unreliable gossip, misinformation or myth a debtor should turn to a Minnesota lawyer who is experienced at providing legal assistance to consumers who have financial difficulties.   A consumer who needs bankruptcy information can contact a Twin Cities law firm that handles bankruptcy.  A Minnesota bankruptcy attorney can provide legal help to a consumer who feels severe financial pressures and wants to explore potential debt relief by giving accurate debtor information and if the person is eligible providing legal help in filing for bankruptcy.  A Twin Cities bankruptcy attorney can help a person who is overwhelmed with debt related pressures including harassing creditors, judgments, repossession, garnishment and foreclosure.  A knowledgeable Minneapolis bankruptcy attorney or St. Paul bankruptcy attorney can do a bankruptcy evaluation that includes the means test for a person that will help them better determine eligibility for debt relief.  Rather than let worry over financial matters cause continued anxiety and pressure a debtor can get straight answers and explore debt relief avenues with an experienced  bankruptcy attorney that will allow for a new beginning.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

Ways Of Handling Money That Can Lead To Bankruptcy

Sunday, January 9th, 2011

There are ways of handling money that can lead to a need for debt relief.  These financial approaches by consumers are common causes of personal bankruptcy.  The following ways of handling money can lead to serious financial problems including the need to declare bankruptcy:
•    Making purchases based on what you want rather than what you need.
•    Making large purchases that are beyond your current ability to pay for them.
•    Purchasing things under payment arrangements that call for high interest rates.
•    Purchasing items with a credit card that you cannot afford to pay for with cash.
•    Utilizing a credit card to pay on a bill and/or bills due on other credit cards
•    Inattention to the interest rate that a credit card carries with it.
•    Spending beyond the credit limit set by an account and incurring charges for being over the limit.
•    Being late on paying your credit card causing late fees to be charged.
•    Paying only the minimum payment due on a credit card.
•    Failing to keep have savings funds to cover a financial emergency
•    Not making mortgage payments on time
•    Failure to make timely motor vehicle payments
•    Not following a monthly budget for regular expected expenses.
•    Spending more money yearly than income that is received.
•    Procrastinating on try to improve and/or eliminate debt problems

Some people put off attending to money problems with the idea that things will get better over time.  This approach may lead to even more serious financial problems as time goes on.  Money problems should be promptly attended to by a consumer.  Procrastination on attending to money problems can lead to judgments against a consumer, garnishment, repossession and foreclosure. If a consumer finds that his or her resources are insufficient to deal with the problem then professional legal assistance should be sought to deal with the situation.  Consumers who are considering bankruptcy can contact a Twin Cities law firm that has a bankruptcy service.  The law office can set up a meeting for the consumer to discuss bankruptcy with a Minneapolis bankruptcy attorney or St. Paul bankruptcy.   A meeting with a Twin Cities bankruptcy attorney can be useful in determining potential avenues of relief.  At a meeting with a bankruptcy lawyer there can be a discussion of bankruptcy alternatives.  A consumer can at a meeting with a Minnesota bankruptcy attorney to  explore potential legal help including relief under Chapter 7 or Chapter 13 of the federal bankruptcy law or, if a consumer is a Wisconsin resident under Wisconsin Chapter 128. People who face serious debt problems should not procrastinate, but rather move promptly to find a way to improve the situation.

This blog is not intended to give legal advice and does not do so.  The reading of the blog does not establish an attorney-client relationship.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

Chicken And Egg Syndrome Related To Debt

Sunday, January 2nd, 2011

Sometimes debtors get locked into a situation where they feel assaulted on all fronts with legal problems.  Not knowing how to handle the situation they fall into a contemplative approach where they worry over which problem came first.  This kind of thinking is sometimes referred to as the chicken and egg syndrome because it considers which came first the chicken or the egg.  In the case of legal problems it is not always easy to decide which came first, but just thinking about it will not be likely to clear up the situation.  Timely attention to legal problems can be imperative.  People deeply in debt may face  many different types of legal problems such as in the areas of employment, discrimination, sex harassment, license challenges, business, civil litigation, repossession, garnishment, foreclosure, bankruptcy, divorce, DWI or criminal charges.  It is difficult for a person facing multiple legal problems to be objective about what to do let alone being able to attend to what is required by law under the circumstances.   Each legal problem may aggravate the another one.   For example, people who go through a divorce often find that they now have less income yet far more expenses than they can cover as a single person.  The financial problems that flow from the divorce may spill over into other areas of a person’s life further aggravating the situation and causing other legally related problems.  Increasingly people are finding that they have more than one legal problem at the same time.   such as a loss of employment, bankruptcy, divorce and a criminal charge.  At stressful times like this it is important to have access to a Minnesota lawyer, who understands and has experience helping people resolve their legal problems.  A consumer experiencing one or more legal problems can contact a Twin Cities law firm to set up a meeting with an experienced Minnesota attorney who can can review with a person his or her questions and concerns.  If there is an interest in potential debt relief then at the meeting with the lawyer there can be a discussion of  how to file for bankruptcy protection, consumer bankruptcy filings, and treatment under the United States Bankruptcy laws for the debtor’s application for financial relief. Attending to legal problems in a prompt manner can provide for an opportunity to get out from under legal problems.  I

We are a debt relief agency.
We help people file for relief under the Bankruptcy Code.

The information contained herein  does not constitute the giving of legal advice. The reader should not rely on this information. This information does not substitute for the advice of a licensed lawyer related to  bankruptcies or any other legal subject.

Fear Of New Bankruptcy Law

Saturday, January 1st, 2011

There is a mistaken notion among some consumers that the so called new bankruptcy law eliminates personal bankruptcy.  This is not the case.  Consumer’s should not fear  the new bankruptcy law.  While the bankruptcy reform act, which many refer to as the new bankruptcy law, made numerous changes to the bankruptcy code, the truth is that most people will still be able to qualify for either a chapter 7 bankruptcy or a chapter 13 bankruptcy.  In assessing whether an individual or a husband and wife can qualify for bankruptcy, it is important to understand the qualifications and requirements that apply to each type of bankruptcy and how those qualifications and requirements apply to each person’s financial situation.  Listening to the myths about the bankruptcy law changes instead of meeting with a knowledgeable and experienced bankruptcy lawyer to discuss debt problems can be harmful.  Another common misconception is that it is extremely difficult to file bankruptcy.   This is not accurate.  While it is true the bankruptcy code can be complicated and that it may be difficult to understand how the bankruptcy code applies to a particular individual’s situation, the reality is that it is not extremely difficult to file bankruptcy.  Filing bankruptcy, however, does require a commitment on the part of the consumer to provide complete and accurate information so that the documents necessary to file for bankruptcy can be properly and accurately prepared.  The  bankruptcy process can be made easier by the assistance of an experienced Minneapolis bankruptcy lawyer or St. Paul bankruptcy attorney who understands what  is needed for each type of bankruptcy.  It can be very useful for a consumer experiencing deep financial problems to contact a Twin Cities law firm who can arrange for him or her to meet with a Minnesota bankruptcy attorney.  A meeting with an experienced Minnesota lawyer may be the first step to debt resolution.

We are a debt-relief agency. We help people file for relief under the bankruptcy code.