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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:
Learn more about Chapter 7 Bankruptcy including the advantages and disadvantages.
Step 1: Consultation
Step 2: Review & Sign
Step 3: 341 Meeting
Step 4: Discharge
Chapter 7 Costs: $385 – Includes filing fee, credit counseling courses and credit report. These costs must be paid prior to filing.
Chapter 7 Attorney Fee: $0 Down and easy payments of $150-200 per month. Payment on our fee does not start until after you file. A promissory note is required if fees are not paid in full.
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:
Learn more about Chapter 13 Bankruptcy including the advantages and disadvantages.
Step 1: Consultation
Step 2: Review & Sign
Step 3: 341 Meeting
Step 4: Confirmation Hearing
Step 5: Discharge
Chapter 13 Attorney Fee: In Chapter 13 Bankruptcy the court sets our fees. For households that make less than the median income in Minnesota, the attorney fee for Chapter 13 Bankruptcy is $3,000.00. For households that make more than the median income, the attorney fee is $3,500.00.
Chapter 13 Costs: The chapter 13 filing fee is $313. The cost of the credit counseling courses and credit report is an additional $47. A total of $360 must be paid prior to filing chapter 13.
“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
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!
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.
Solving problems and helping people, that is what lawyers do, and I am so grateful that clients allow me the opportunity to help them.
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.
I love practicing bankruptcy law because I provide a service that helps clients improve their lives. People come to us seeking assistance and we work hard to find solutions to their financial situations.
At Baylor Law School in Waco, Texas, I developed a passion and excitement for transactional and finance law, which led me to bankruptcy law. This practice area is fascinating to me. Bankruptcy presents a puzzle, with the objective of collecting the different pieces and making them fit perfectly together.
I was born and raised in the southwest suburbs and am proud to serve Eden Prairie and the surrounding area with Lifeback Law. Coming from an interest in finance and a desire to help people in a tangible way, I enjoy practicing as a bankruptcy attorney because I can ease the financial burden of those who reach out and help them regain a sense of control.
What To Expect In Your Bankruptcy Consultation
(And Why It Isn’t As Scary As You Think)