Posts Tagged ‘Minnesota lawyer’

Home Business Creating Financial Difficulties

Sunday, February 6th, 2011

Consumers may be driven into declaring bankruptcy by many different types of financial difficulties.  One of these difficulties may be stuck with a home business that does not earn sufficient income to warrant the time and expense to run it.  A home business can be a drain on a person’s resource.  Before starting a home business it is important to do a thorough cost benefit analysis of it.  It is also important to keep in mind that there are unscrupulous entities that take advantage of potential home business owners by offering financial traps under the false guise of a business opportunity.  This type of deceptive home business program often promises for the home business owner to make huge profits working just part-time.   Carefully investigate before buying a business program the seller’s credibility, the success rate in the past of people buying the business plan, complaints that have been filed against the seller, how much money it will cost to get started, what the potential exposure to claims against the home business owner if the program is not as represented, how much time will need to be invested weekly to do business, how much time it will take monthly to run the business, what the monthly cost will be to do the program, what are your expected monthly earnings from the business, what insurance costs there may be to run the business, what licenses may be required, what bookkeeping is required, what legal requirements must be met, legal expenses and what paperwork will be required to sign to start this business.  If a consumer is already stuck with a home business program that is a huge drain he or she should contact a Minnesota attorney to evaluate the situation to see what can be done to address the problem.  An experienced Minnesota attorney may be of assistance in a number of ways including the potential for civil litigation or debt relief.   If the consumer has been a victim of fraud or breach of contract and has moved within applicable time limits he or she may be able to pursue a claim against the seller.  There may also be another type of legal help available for a home business program that is a financial drain through bankruptcy if the debtor is eligible under prevailing law.  It is a sound idea to consult with a Minnesota lawyer to find out what legal assistance may be available to help when faced with business and/or debt related problems.

This blog is not intended to give legal advice and does not do so.  Reading this blog does not establish an attorney-client relationship nor is it a substitute for consulting with a licensed lawyer.

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

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.

Bankruptcy Assessment In Minnesota

Sunday, December 26th, 2010


A person or couple who want to do a bankruptcy must be eligible to do so under prevailing bankruptcy law.  In looking at declaring a bankruptcy there should be a bankruptcy assessment which is a review of a person or couple’s financial situation.  The bankruptcy assessment is an evaluation of a person’s financial situation to determine if he or she are qualified to file bankruptcy. At the time of conducting the bankruptcy evaluation the twin cities bankruptcy attorney can also conduct a bankruptcy means test.   Debtor’s troubled by growing financial pressures can seek out potential debt relief through the legal help of a Minnesota bankruptcy attorney who can conduct a bankruptcy assessment.  A person or couple can set up a time to meet with a Minneapolis bankruptcy attorney or St. Paul bankruptcy attorney who will go over the relevant financial situation to help a person considering doing a bankruptcy. At that meeting with a bankruptcy lawyer some of the considerations will be debt a consumer  may owe on both secured and unsecured assets, what assets are  owned and what is owed on the asset, ability to meet current obligations, threat of repossession, garnishment and/or foreclosure.   A Twin Cities law firm who offers a bankruptcy service is a good place to start to look for a Minnesota lawyer who can do a bankruptcy evaluation and provide legal assistance with doing the bankruptcy  if the debtor is qualified to do so.

This blog is not intended to provide legal assistance and does not do so.

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

Distressing bill collection

Sunday, December 5th, 2010
It is very hard on a person to receive calls from bill collectors.  These communications can be not invade time that needs to be spent on other pursuits but can throw a person emotionally off so that he or she cannot handle other matters.  The problem is compounded by the fact that many of the calls may be either unnecessarily combative or so repetitive that they accomplish no legitimate purpose.   The collection activity may be a result of a number of different financial difficulties including  an inability to sell a home that cannot be afforded, credit card bills that cannot be paid, crushing medical bills or other financial obligations that cannot be met.  At the same time a Consumer may also experience financial pressures because of tighter credit conditions, plunging stock prices, forfeitures, forclosure, default judgments, high rate rising adjustable interest rates and other money related problems. A debtor who has severe financial difficulties may be able to get debt relief that will stop the distressing  collection activity.   An experienced Minnesota lawyer should be consulted to see what can be done to end the burdensome communications from creditors.  Each situation is different so a consumer should contact Minnesota law firm to meet with an experienced debt relief attorney to discuss his or her situation.  In doing so it is a sound idea to contact a Minnesota law office that offers a bankruptcy service in case that is the type of legal service needed to end the harassing communications and achieve debt resolution.  A Minnesota bankruptcy attorney can be very helpful in determining the best course to take in dealing with distressing bill collection.   A Minneapolis bankruptcy attorney or St. Paul bankruptcy attorney can do a bankruptcy evaluation and conduct a means test to determine eligibility for filing bankruptcy.  At that meeting with the lawyer the consumer can gather debtor information and get answers to bankruptcy questions.  The lawyer can go over bankruptcy alternatives.  There can be a discussion of various aspects of bankruptcy.  The consumer can find out basic bankruptcy information about Chapter 7 and Chapter 13 bankruptcy.   An experienced twin cities bankruptcy attorney can help a debtor explore his or her bankruptcy  legal rights and options in addressing financial pressures and concerns.  Contacting a Twin Cities law firm to discuss  severe money pressures can be an important step toward putting an end to debilitating collection harassment and unmanageable financial obligations.

The information you obtain at 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 under the Bankruptcy Code.

Asset Protection

Thursday, November 25th, 2010

People often work hard to provide security for themselves and their family.  When they face difficult economic times that cause them to be unable to  pay required financial obligations, be current on mortgage payments, deal with medical bills, make automobile payments, keep up on credit cards or generally handle financial pressures there is  a major concern that there will be a  loss of valuable assets.  Sometimes the assets may not even have a large money value, but the concern of having a loss is  based on a sentimental attachment.  This attachment to assets makes some people hesitant on exploring debt relief out of fear of having to lose assets.  A major asset is a person’s home.  There is a common misconception that using bankruptcy as a form of debt relief will cause a person to automatically lose his or her home. There are other commonly spread false notions about debt relief as well.  This misinformation ignores legal realities including United States bankruptcy law.  One thing that people who are interested in asset protection can keep in mind is that the law allows for something called an exemption, which allow for a person to keep certain types of assets under certain circumstances.  These exemptions can work in bankruptcy.  Rather than stay away from debt relief out of fear based on bankruptcy myths a consumer can instead contact a Minnesota law firm who can arrange to have a Minnesota bankruptcy attorney do a bankruptcy evaluation for the consumer.  This form of bankruptcy appraisal is an evaluation of the consumer’s financial situation as to  suitability for bankruptcy and may include a review of the potential use of exemptions to protect assets.   The assets held by a debtor must be reviewed in light of the law prevailing at the time of filing bankruptcy.   In considering the issue of exemptions a debtor must look both to the state law and federal law for exemptions that may apply to his or her particular situation.  Consumers must, however, keep in mind that they may only elect to be covered under either the state exemption statutes or the federal bankruptcy exemption statutes.  In other words, the consumer may only elect to use the federal bankruptcy exemptions or Minnesota state exemptions and not a combination of the most favorable federal bankruptcy exemptions and state exemptions.  For that reason it can be worthwhile to contact a Twin Cities law firm who has a bankruptcy service to arrange to meet with a Minnesota lawyer.  A consultation with a knowledgeable Minneapolis bankruptcy attorney or St. Paul bankruptcy attorney can be very useful in assessing which set of exemptions to use to preserve ownership of property.  Meeting with a Minnesota bankruptcy lawyer can be a first step toward finding a way to debt resolution.

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

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