Get real help for your monetary problems from a Minnesota bankruptcy lawyer of Total Bankruptcy.
A sponsoring Minnesota bankruptcy lawyer of Total Bankruptcy may be able to help you file for a Chapter 7 debt consolidation and eliminate your unsecured debts. However, secured debts don't go away. Your creditors will hold a lien against your property until the debt is paid. When you hire a qualified Minnesota bankruptcy lawyer to help you file for debt protection, a reaffirmation agreement may be negotiated with the court.
You may eliminate credit card debts in a Chapter 7 filing.
Total Bankruptcy may be able to really help. By calling (877) 349-1309 you may speak with a qualified Minnesota bankruptcy lawyer. A sponsoring bankruptcy lawyer should be available to analyze your situation and give you real advice on what your best options would be. Or simply fill out our confidential online case evaluation form and select your preferred date and time for your free phone consultation. Our site includes critical information on both types of consumer bankruptcy and debt consolidation filings, changes in law, identity theft issues and how to cope afterwards.
|
Albert Lea
202 West Clark Street PO Box 161 Albert Lea, MN 58007 Map | Directions | Case Evaluation |
Brainerd
722 South 6th Street Brainerd, MN 56401 Map | Directions | Case Evaluation |
|
|
||
|
Duluth
1217 E. 1st Street Duluth, MN 55805 Map | Directions | Case Evaluation |
Saint Paul
580 5th Ave. NW Suite 180 Saint Paul, MN 55112 Map | Directions | Case Evaluation |
|
|
||
|
St. Cloud
606 25th Avenue South Suite 110 St. Cloud, MN 56301 Map | Directions | Case Evaluation |
||
|
||
» Back to Locations Map |
||
Chapter 7 cannot eliminate all debts, so that's where Chapter 13 comes in.
In the case of significant non-dischargeable debts, you might consider a Chapter 13 filing. A Chapter 13 works if you have a regular source of income and enough disposable income to be able make your monthly payments under your repayment plan. In addition your debts must not be too high. If your secured debts (which include loans you have secured by liens on your property, such as your home and auto loans, and even IRS tax liens) exceed $922,975, you are not eligible for a Chapter 13. Your unsecured debts may not exceed $307,675.
A Chapter 13 is designed for consumers who may be behind in their payments for property that they want to keep after discharging and/or consolidating their debts, such as a home mortgage or an automobile loan. Also a Chapter 13 works if you owe money to the IRS, have non-exempt property, received a Chapter 7 discharge within the previous eight years, have a student loan or want to protect your cosigners.
Get the right help at the right time - call (877) 349-1309 or visit our offices today!
Click Here For a Free Bankruptcy Evaluation
The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.