Minnesota Consumer Bankruptcy Attorneys
If you have lost your job, gone through a divorce, or suffered an injury or illness, you can find it difficult or impossible to meet your financial obligations. A Chapter 7 bankruptcy filing can help you put an end to the seemingly ceaseless calls and letters, can be used as a foreclosure defense tool, and can help you get control of your finances.
At Ryan & Grinde, Ltd., our attorneys take an integrated approach to Chapter 7 bankruptcy filings, working across legal disciplines to ensure that you are protecting all your interests. We will carefully explain the law and the process to you, as well as your options, so that you can make informed decisions that benefit you in the long run. We combine hard work with a dedication to the highest standards of our profession, always seeking the solution that best meets your objectives.
For a confidential consultation, contact our lawyers or call us at 507-369-2163 (toll-free at 888-399-7281).
Rochester Chapter 7 Bankruptcy Attorneys
In a Chapter 7 bankruptcy proceeding, you are allowed to permanently discharge certain debts in exchange for the sale of non-exempt assets. Most unsecured debts can be discharged, including credit card obligations and medical bills. Some unsecured debts, such as student loans, child support arrearages and certain tax obligations, cannot be discharged in a Chapter 7 proceeding. In addition, your home, pension plan and other retirement funds are generally exempt from sale in a bankruptcy proceeding.
The federal bankruptcy laws changed in 2005, requiring that you submit to a "means test" to qualify to permanently discharge debts under Chapter 7.
Minnesota Consumer Bankruptcy Lawyers
When you hire us to help you with a Chapter 7 bankruptcy, we will prepare and file all necessary documents to complete the process, and will act as your advocate in meetings or hearings with creditors, the court or the bankruptcy trustee. We will also ensure that the automatic stay is enforced, preventing creditors from all efforts to collect a debt once your bankruptcy petition has been filed (other than through the bankruptcy process).
Contact Our Offices
Contact us or call our offices to schedule an appointment to discuss whether a Chapter 7 bankruptcy filing is in your best interests.
