Minnesota’s MOST Kind
and Helpful Chapter 7 & 13
Bankruptcy Law Firm

Protecting Minnesotans from
their creditors since 1972

Are You Ready To Get Your Life Back?

(debt gone + credit repaired)

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Frequently Asked Quesions

We don’t judge you, we HELP you get your life back!™

Why Minnesotans Choose Life Back Law Firm

Offices Throughout Minnesota

Minneapolis
St. Paul
Eagan
Maple Grove
Eden Prairie
St. Cloud
Brainerd
Duluth
If you prefer, no office is needed; the entire bankruptcy process can be done virtually.

Should You Consider Bankruptcy?

Submit your information and get an answer in seconds

(Click on the types of debt you owe and enter the amount in whole dollar amounts)

Next Step

Ability to Pay Debts

Do you have money left over after paying reasonable and necessary expenses each month? But, not including unsecured debt such as credit card, medical bills, and other unsecured loans?

Enter how much you can afford to pay per month in whole dollar amounts:

Per Month

If you can’t pay your debts, you are a good fit for bankruptcy. You can set up a Free Strategy Session to learn more or you can continue with the assessment to guage what type of bankruptcy fits your needs.

Back Next Step

Assets

Do you own a vehicle?

Are your vehicle payments up to date?

We can cure your vehicle arrears and you will not lose your vehicle if you want to keep it.

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Assets

Do you own a home?

Are your home payments up to date?

We can cure your home mortgage arrears and you can keep your home if you would like to.

Back Next Step

We might need more info

Looks like our analysis is unclear, or you just may not be a good candidate for our services. Go back and complete the requested info, or request a consult if you still need help.

Looks like you might benefit filing Chapter 7 bankruptcy

Chapter 7

Chapter 7 bankruptcy is commonly referred to as a “fresh start” bankruptcy. It is referred to as a “fresh start” bankruptcy because most people who file a chapter 7 bankruptcy lose no assets and most unsecured debt is eliminated- tax free. Is this you?

Looks like you might benefit filing Chapter 13 bankruptcy

A chapter 13 bankruptcy is sometimes referred to as a “repayment” plan because you make a payment, based on what you can afford to pay, over a 3-5 year plan, and whatever unsecured debt remains at the end of the plan, is eliminated- tax free. Is this you?

Looks like you should be able to pay off your debt

You might be a candidate for our debt consolidation services.

MEET YOUR

Humble Attorneys

Wesley Scott

I understand the financial pressures my clients face because I experienced these same pressures growing up. I will make sure your case gets filed within days, not weeks, allowing you to immediately get on the road to a debt-free life again!

Amanda Rosback

For me, one of the greatest joys of being a bankruptcy attorney is seeing the look on my client’s face after the initial consultation, when they typically realize their burden can be lifted.

Jesse Horoshak

I like helping people. Through my bankruptcy practice, I have helped hundreds of clients—individuals, families, and business owners—take back financial control of their lives and get the fresh start that they need.

Brenna Macpherson Evans

One of my favorite aspects of Bankruptcy Law is building supportive relationships with my clients.

Col Ovik

Solving problems and helping people, that is what lawyers do, and I am so grateful that clients allow me the opportunity to help them.

James Jensen-Kowski

I love helping people. This is one of the main reasons that I became an attorney, and it’s the reason that I decided to practice bankruptcy law.

Welcome to LifeBack Law Firm

$0 Up Front Bankruptcy

We have helped thousands of Minnesotans
get their lives back, now it is your turn….

We help you get your life back in two steps:

Step 1

File Chapter 7 or Chapter 13 Bankruptcy and shed
unwanted debt.

Step 2

We send you through our popular LifeBack Law Free
90-Day Credit Repair Program.

LEARN MORE ABOUT

Chapter 7 Bankruptcy​

Chapter 7 bankruptcy is often referred to as a “fresh start” bankruptcy. The reason is most (but not all) unsecured debts are discharged (i.e. eliminated) such as credit card debt, utility bills, medical bills, and loans. The United States Bankruptcy Code sets the qualifications for who can file a Chapter 7 bankruptcy. They are:
  • No prior bankruptcy in the past 6-8 years (depending on the type of bankruptcy previously filed)
    • Pass the means test
    Learn more about Chapter 7 Bankruptcy including the advantages and disadvantages.

    OUR UNIQUE CHAPTER 7 PROCESS & FEES

    Step 1

    Step 2

    Step 3

    Step 4

    LEARN MORE ABOUT

    Chapter 13 Bankruptcy

    Chapter 13 bankruptcy is sometimes referred to as a “repayment” plan because debtors pay some or all of their unsecured debts (interest free) over a 3-5 year plan. Your payment is based on what you can afford to pay (income minus expenses).

    There are a few specific eligibility requirements for filing in Minnesota. Generally, a debtor must have the ability to make a payment on a bankruptcy plan and your debt may not exceed:

    • $1,149,425 in secured debt
    • or $383,175 in unsecured debt

    Learn more about Chapter 13 Bankruptcy including the advantages and disadvantages.

    OUR UNIQUE CHAPTER 13 PROCESS & FEES

    Step 1

    Step 2

    Step 3

    Step 4

    SECOND STEP: GETTING YOUR LIFE BACK

    LifeBack Law Firm’s Unique FREE 90-Day Credit Repair Program

    5 SIMPLE STEPS TO A MUCH BETTER CREDIT PROFILE

    • FREE LifeBack Law Firm Credit Repair Specialist
    • FREE list of Minnesota professionals to help you with auto and home financing.
    • FREE judgment removal *
    • FREE credit report repair work *
    • FREE course to learn tricks to improve credit profile faster!
    “Always pleasant, very friendly, and awesome communication. You made this easier and we appreciate everything you have done for us. Again, thank YOU!”
    – Sam & Julie

    MEET

    Our Happy Clients

     
     
     
     

    LIFEBACK LAW FIRM OFFICES

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