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Ryan & Grinde Law Blog

An Overview of Chapter 7 and Chapter 13 Bankruptcy

Nobody enjoys having to file for bankruptcy; however, many people run into unfortunate circumstances in life and are forced to declare bankruptcy. When people are thinking about how to get back on their feet, it is important to make the correct first step and file for the proper type of bankruptcy.

The two types of bankruptcy that most people hear about are Chapter 7 and Chapter 13. Deciding which form of bankruptcy to file can have significant consequences for the future. 

Federal officials acknowledge junk science is making it into court

For defendants in legal proceedings, forensic evidence can be just as confusing as the legal terms. Because many people may not have a degree in science, they may not realize that much of the courtroom science presented may be in reality merely junk science.

What is "Junk Science"?

In recent years, legal analysts have become increasingly worried that paid consultants often fool juries, and even judges, with what sounds like sophisticated, impartial forensic evidence. In reality, that "evidence" is sometimes either sloppily gathered or dishonestly compiled.

Health Care Directives

By: Masood Dehnavifar

Why Does a Person Need a Health Care Directive?

A health care directive is extremely helpful in situations where a person is still alive, but lacks capacity to make their own health care decisions. Examples of situations where a person benefits from a health care directive include traumatic brain injuries, strokes, dementia, Alzheimer's and other similar health related situations. You must create a health care directive while you have capacity. Once you no longer have capacity, a person would need to go through a court process to have a guardian appointed. As you would expect, the court process is typically time consuming, expensive, and can be emotionally draining on loved ones.

4 things to know when divorcing in senior years

For many couples, "Till death do us part" is no longer uttered with the same zest that it was in the past. Divorce has become an integrated part of society, an occurrence so common that it no longer deserves the hushed tones of years past. However, if you're one of the growing number of people age 50 or older who decide to call it quits on matrimony, you'll likely face a whole slew of challenges unique to your demographic. Here are four issues you need to keep in mind if divorce becomes part of your retirement plan.

Money often becomes a struggle

Older couples find it more challenging to compensate for the money lost during a divorce. Most likely, retirement funds and other assets will be split evenly during the proceedings. Alimony is harder to come by, so spouses who stayed home with the children aren't able to count on that extra money as they did in generations past. Some people offer more of their pension to thwart having to pay alimony as well. For those couples married more than ten years, however, there is good news: You may qualify for spousal Social Security benefits.

CFPG proposes new debt collection rules to better protect consumers

A phone ring. It shouldn't strike fear into anyone. But for some 70 million consumers whose debt is in collections, it is not just a ring. It is an attack on their well being and their sanity. The tactics used by collectors are often unconscionable, generating more complaints than any other financial service. Of course, you understand that they serve a function. You may owe the debt, but this does not give them the right to mistreat you.

The Consumer Financial Protection Bureau (CFPB) has released a proposal for new rules to better protect the consumer. Their goal is to curb the harassment and stop the attacks on consumers who, most often, are trying to do the right thing or may not even owe the debt in the first place.

Effects of a wage increase during a Chapter 13 Bankruptcy

Individuals and married couples in Minnesota who are having difficulty making ends meet due to overwhelming debt frequently choose to file for Chapter 13 bankruptcy relief. Chapter 13 is a versatile tool that can allow you to protect assets, while restructuring debt over the course of 36 to months. After a successful conclusion to the bankruptcy process, people enjoy a fresh financial start.

Sometimes, a person's earnings will increase during the Chapter 13 bankruptcy process. The question arises, what becomes of the increase in income?

The "Rocket Docket" Blasts Into Olmsted County Court!

Litigation. A word that causes the fearless to fear; a process that does not make one's bucket list. Black's Law Dictionary defines litigation as a legal action, including all proceedings therein. The emphasis is added for good reason. The litigation process includes everything from that first meeting with the attorney to the conclusion of the case, which can be years down the road. Yes, years.

Help! I'm getting a divorce and I'm broke

Divorce and financial challenges go hand-in-hand for many people. Money is frequently cited as a leading cause of divorce, and when that divorce occurs, people find themselves with one income to pay their bills, rather than two. For many, it's not simply losing the house they love that's at issue... it's losing their lifestyle and possibly ending up over their heads in debt.

What steps should you take to protect your finances during divorce? Here are six things to consider.

Immigration Detention

By: Susannah Nichols

If you or someone you love has been detained by Immigration officials you likely have many questions about the process. Non-citizens may be detained for violations of immigration law. Commonly these include: overstaying or violating a visa, entering the country illegally, or criminal convictions.

The detention process begins with Immigration and Customs Enforcement ("ICE") finding that you have violated an immigration law. You will then be picked up by ICE officers and taken to a local facility to process. In the Washington, DC area, you would go to the ICE office in Fairfax, Virginia. Here, you will be formally processed and ICE will decide if they are going to release you on bond [legal agreement where money is paid and held by the government to ensure you will attend future hearings], release you with a monitoring system, or transfer you to a long-term detention facility. Should ICE decide to transfer you to a detention facility, you will likely be transferred to one in the same state. Most states have a few immigration facilities which they use; typically located in remote areas of the state.

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