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Understanding the Bankruptcy Process in Minnesota: How To File Your Papers

The first step in filing for bankruptcy in Minnesota is to complete mandatory pre-filing credit counseling. A large number of companies offer this counseling, which generally runs about two hours and costs about $50. The Department of Justice maintains a current list of licensed providers. Ensure that your chosen class is on this list, and… Read more »

Do I Have to File for Bankruptcy if I am in Debt?

Are you stressed about your debt? If you feel that you must file bankruptcy, your are not alone. However, there are times when bankruptcy is not the answer or there are alternatives. In most instances, people will do almost anything to avoid bankruptcy. Nonetheless, the typical reason for seeking out a bankruptcy attorney is the onslaught of… Read more »

Why Choose to File Chapter 7 over Chapter 13 Bankruptcy?

The fact of the matter is, no one enjoys the idea or looks forward to filing bankruptcy. Regardless, there are certain situations when finances and debt become unmanageable and the burden is just too great. There are many reasons people seek out a bankruptcy attorney. You can find yourself with an unexpected loss of employment, out of… Read more »

Eight Prime Examples of Creditor Harassment

Creditors have the right to request payment for monies owed to them by consumers. They are not, however, allowed to harass individuals to receive payment. By law, creditors must behave in an ethical manner when contacting those who are in debt to them. Unfortunately, some ignore legal constraints and engage in creditor harassment. Here are… Read more »