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Overview of Chapter 7 Bankruptcy

April 29th, 2016 / G. Wald / Comments Off on Overview of Chapter 7 Bankruptcy

Bankruptcy laws provide individuals seeking debt relief two main avenues to that relief: Chapter 7 and Chapter 13. Chapter 7 bankruptcy, often called liquidation or straight bankruptcy, is the most common form. In Chapter 7 debts like credit cards, medical bills, and utility bills can usually be completely discharged or wiped out. Bankruptcy courts may […]

5 Strategies for Rebuilding Your Credit after Bankruptcy

April 25th, 2016 / G. Wald / Comments Off on 5 Strategies for Rebuilding Your Credit after Bankruptcy

Minneapolis Bankruptcy Attorney Offers 5 Strategies for Rebuilding Your Credit after Bankruptcy Bankruptcy lets you start fresh without the burden of debt you can never repay. But successfully rebuilding your credit after bankruptcy takes diligence and planning. Your credit score will be affected when you file for bankruptcy, but you can improve your score by […]

Can I Include My Homeowner’s Association Fees in Bankruptcy?

January 14th, 2016 / G. Wald / Comments Off on Can I Include My Homeowner’s Association Fees in Bankruptcy?

In Minnesota, your homeowner’s association fees are a lien against your property.  If you don’t pay the fees, your homeowner’s association can foreclose its lien against your property and you could lose your home.  If you are behind in your homeowner’s association fees, you can use a Chapter 13 debt consolidation plan to force your […]

Can You Go To Jail For Debt?

December 10th, 2015 / G. Wald / Comments Off on Can You Go To Jail For Debt?

Until the mid-19th century, many people would go to jail for debt.  Similar to today’s workhouses, you could go to jail for debt until the debt was paid off.   Debtors prisons were abolished long ago, but there are still are ways that you can go to jail for unpaid debt. If you are held in contempt […]

Your Credit Score (720creditscore.com)

November 3rd, 2015 / G. Wald / Comments Off on Your Credit Score (720creditscore.com)

Your Credit Score (720creditscore.com) Poor credit is very costly, because it means high interest rates for car loans, credit cards, and mortgages.  There is no reason for you to live with poor credit.  Bankruptcy and www.720creditscore.com can help. While it is possible to have a credit of over 800, a  score of at least 720 […]

Medical Bankruptcy

September 14th, 2015 / G. Wald / Comments Off on Medical Bankruptcy

Harvard study found that nearly 70% of bankruptcy cases are Medical Bankruptcy.  With today’s high deductibles, the situation hasn’t improved.   Illness can mean time off of work and reduced income.  Medical Bankruptcy eliminates medical debt, but only the medical bills that are owed as of the date of filing your bankruptcy petition.  If you are currently running […]

Student Loans in Bankruptcy

August 18th, 2015 / G. Wald / Comments Off on Student Loans in Bankruptcy

Student Loans in Bankruptcy In order to eliminate student loans in bankruptcy, it is necessary to sue the lender and prove that it would be an “undue hardship” to be required to repay the loan.  The courts have interpreted this requirement stringently, making it difficult for most borrowers to eliminate their student loans in bankruptcy.   […]

HELP! I’VE BEEN SUED!

August 4th, 2015 / G. Wald / Comments Off on HELP! I’VE BEEN SUED!

Have you been sued in Minnesota? – Understanding Debt Lawsuit When credit cards, bank loans, medical bills and other debts become seriously delinquent, the creditors usually send them to a collection agency first.  If the collection agency can’t collect the debt, then it may go to a collections lawyer who will sue to collect the debt.  […]

What’s New About Getting a Mortgage After Bankruptcy

July 14th, 2015 / G. Wald / Comments Off on What’s New About Getting a Mortgage After Bankruptcy

The waiting period for obtaining an FHA or VA mortgage after bankruptcy is two years after you receive your Chapter 7 bankruptcy discharge..  It normally takes about three months to get your discharge after we file your bankruptcy petition with the court.  However, there is a new rule that allows you to obtain an FHA […]

Keeping Track of Companies You Owe Money To

June 22nd, 2015 / G. Wald / Comments Off on Keeping Track of Companies You Owe Money To

When you run into financial problems and bills begin to mount, it can sometimes be hard keeping track of companies you owe money to. You might receive calls from multiple collection companies and they often do not identify who they are collecting for. In order to eliminate your debts in bankruptcy it is important to […]

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