Posts Tagged ‘St. Paul bankruptcy attorney’

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.

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.

Papers To Review For Bankruptcy

Thursday, December 16th, 2010

People who are contemplating  bankruptcy need to not only do a great deal of thinking about it, but review a number of documents.  Reviewing documents is an essential part of determining a person’s eligibility for filing bankruptcy.   It is a sound idea for a debtor to contact a Twin Cities law firm that has a bankruptcy service to set up an appointment to meet with a Minnesota bankruptcy attorney to do a bankruptcy evaluation with a means test. During the meeting with a bankruptcy lawyer there can be a discussion of avenues for debt relief and an opportunity to ask relevant bankruptcy questions.  At that meeting the Minneapolis bankruptcy attorney or St. Paul bankruptcy attorney can also review documents to determine a debtor’s qualification for bankruptcy.  The  papers to review for bankruptcy generally include documents referring to current and/or past due mortgage installment payments, home improvement loan related debt, home equity debt, car loan payments, contract for deed installments, personal loans, bad checks, credit card debt, medical bills, tax liabilities, student loans, other payments, collection notices or other similar financial obligations.
This blog is not intended to give legal advice.

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

Exploring Debt Resolution Avenues

Tuesday, December 14th, 2010

Today’s tough economic times can be extremely hard on consumers.  Creditors often fail to recognize that a debtor may be trying hard to pay bills and will do so, but needs a little flexibility to do so.  Unfortunately, many creditors are not willing to recognize this need for flexibility and/or be reasonable in working toward making workable payment arrangements.  Consumers need not despair because there may be debt relief.  It is often a worthwhile pursuit to explore debt resolution avenues.  There are  Minnesota law offices that offer a bankruptcy service that can help debtors review bankruptcy alternatives.  A Minneapolis bankruptcy attorney or St. Paul bankruptcy attorney can go over a consumers financial situation and help determine what the potential is for debt resolution.  who understood the legal difficulties encountered by debtors. These twin cities bankruptcy attorneys have assisted many debtors with financial legal difficulties and helped them assess available bankruptcy alternatives. When people are having problems making ends meet, it is important that they are well informed about all legal remedies for debt relief, including bankruptcy alternatives.  No  two situations are alike so  that every consumer’s situation requires a careful analysis of the facts and appropriate laws that come into play.  A Minnesota  attorney can  provide sound counsel to help alleviate a debtor’s financial problems, including:

If a consumer can not get debt resolution by one of the forgoing legal approaches then he or she can  also explore whether filing a Chapter 7 or Chapter 13 bankruptcy would be helpful.  In order to do so a consumer must however, be qualified under the law to do so.  A Minnesota bankruptcy lawyer can do a bankruptcy evaluation with the means test to help a debtor find out his or her eligibility for filing bankruptcy. Timely attention to dealing with debt related  legal problems may result in satisfactory debt resolution.

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.

He who rides the tiger finds it difficult to dismount

Sunday, November 28th, 2010

People who are deep in debt often find that they feel like what is expressed in the Chinese proverb, he who rides the tiger finds it difficult to dismount.  Ever increasing debt makes a person sometimes feel like he or she has to borrow more money just to make payments on existing debt.  The person keeps riding  the debt cycle deeper  into financial trouble.  There does not seem to be any way to get off the this cycle of debt without getting into big trouble.  If the debtor gets off the tiger then he or she will be destroyed by it.  This fear of financial destruction can make things seem far worse than they may be under the circumstances.  Rather than continue to ride the debt cycle a consumer should explore potential debt relief.  A sound approach to doing so is to contact a Minnesota law firm that offers bankruptcy service.  This type of legal service may provide information to a consumer on bankruptcy alternatives.  If a debtor is considering bankruptcy then getting debtor information that is accurate is very important.  Personal bankruptcy is a complex legal process, and can be undertaken more easily with the legal help of an experienced Minnesota bankruptcy attorney.  There is more to declaring bankruptcy then just filling in some forms.  It must be done properly or a debtor may end up with a  failure to discharge qualifying debts — and potentially  legal action if  he or she knowingly presented false financial information.   A Twin Cities law firm can arrange for a meeting with a Minnesota lawyer who can help a consumer explore avenues of  debt relief  including bankruptcy.  The consumer can have a meeting with a bankruptcy lawyer and go over his or her financial situation.  At the meeting the consumer can learn about debtor’s rights, get basic bankruptcy information, have relevant bankruptcy questions answered, learn about the meeting of creditors in bankruptcy, status of property in bankruptcy, exemptions, bankruptcy rights and responsibilities.  By working with an experienced Minneapolis bankruptcy attorney or St. Paul bankruptcy attorney it can help a debtor to better understand the bankruptcy process.  If the consumer after a bankruptcy evaluation including the means test is found to be eligible for bankruptcy and wants to do so then legal help from an experienced Minnesota attorney can be very helpful.  The bankruptcy lawyer can  prepare accurate legal paperwork, make sure all eligibility requirements have been met, assist in choosing  the right type bankruptcy and that the consumer meets all legal requirements through the bankruptcy.  A qualified debtor for bankruptcy will want to explore potential debt relief offered through Chapter 7 or Chapter 13 bankruptcy.  An experienced bankruptcy lawyer can aid in making sure that the consumer chooses the right type of bankruptcy under the circumstances.   Affirmatively moving forward to get legal assistance with debt problems can lead to a fresh start.

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

The information contained herein on debt relief and/or bankruptcy 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 debt relief, Chapter 7 and 13 bankruptcies or any other legal subject.

Walking Away From Debt

Tuesday, November 23rd, 2010

There is a common misconception that a person can just walk away from debt without any legal authority to do so.  The reality is that this approach not only may not get a person out of debt, but aggravate the situation.  It is understandable that a consumer could need help dealing with various forms of debt that  either singly or in combination are causing problems for him or her, but simply walking away from may be delaying an inevitable aggressive collection efforts by a creditor and creating a damaging credit history .  There are many types of problematic debts including  past due installment payments, unpaid lease payments, disputes with lenders on the amount of debt owed or money claims for damages related to the ownership.   These debts can arise from many different situations including the purchase of a  home, motor vehicle, credit card or agreed upon financial obligation such as medical bills.   Any of the forgoing types of debt claims can create serious financial pressures for a consumer.  The debtor must realize however, that putting off dealing with a debt in the present may make for more painful financial pressure in the future.  Walking away from debt can lead to further harassing communications from a creditor,  a loss of credit and credibility.  A consumer must keep in mind that a track record of handling financial obligations may follow them for years.  Walking away from debt may result in serious problems including an inability to get further credit or get a loan for an important purchase when it is very important to do so.

Consumers who are concerned with serious inability to pay financial obligations may be eligible for debt relief through bankruptcy. A Minnesota Bankruptcy attorney can be consulted about available avenues for debt resolution.  There can be a discussion of bankruptcy alternatives.   A multitude of financial pressures can be discussed with the Minnesota bankruptcy lawyer including home loans, credit cards, medical bills, delinquent car loans, contract disputes, lease claims, and damage claims related to the use or ownership of an automobile.  Twin Cities bankruptcy attorney will discuss with you relevant financial pressures, do a bankruptcy evaluation including a means test and go over the different types of bankruptcy proceedings, such as Chapter 7 and Chapter 13.  At that time, the Minneapolis bankruptcy attorney or St. Paul bankruptcy attorney can explain whether a consumer is  qualified for debt relief through bankruptcy.   The lawyer  can go over relevant law involved in dealing with a consumers outstanding debt an answer legal questions that are related to the legalities involved in the situation.   At a meeting with a bankruptcy lawyer there can be a discussion of many financial concerns such as financial pressures including, foreclosure, garnishment and/or repossession.  A consumer who faces more than one legal difficulty should contact a Twin Cities Law Firm that can provide legal services in all of the areas of the law that are of concern. . For example, a Minnesota law office may be able to provide legal assistance with legal problems involving home ownership, a business, employment, divorce, personal injury, probate, discrimination, sex harassment, civil litigation, DWI or Criminal charges.     A consumer facing more than one legal difficulty should inquire when setting up an appointment if he or she can meet with a lawyer who can handle all of the types of legal matters of concern.  Dealing  correctly with present financial problems with the legal help of a Minnesota lawyer may eliminate a great deal of aggravation in the future and allow for debt resolution.

The information you obtain at this blog is not, nor is it intended to be, legal advice.

This post does not constitute the giving of legal advice or establish any attorney-client relationship. You should consult an attorney for advice regarding your individual situation.

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