Relief From Creditors and a Fresh Financial Start
Chapter 7 bankruptcy eliminates credit card debt, medical bills, personal loans and other unsecured debts. Most people do not have to give up any property in a Chapter 7. Filing for bankruptcy also stops the harassing phone calls and creditor actions.
Are you drowning in debt because of job loss, health problems, divorce or other hardships? Are creditors threatening to foreclose on your house, repossess your car or garnish your paychecks? The Minnesota bankruptcy attorneys of Hoglund, Chwialkowski & Mrozik, PLLC, are ready to help you solve your debt crisis.
CALL US NOW at 800-850-7867 or 651-202-2203
· Free consultation to discuss your unique situation
· Zero money down to get your bankruptcy filed quickly
· 13 convenient locations in the Twin Cities and outstate Minnesota
· Experienced, compassionate, local attorneys
Minnesota Chapter 7 Bankruptcy Lawyers
Chapter 7 bankruptcy, also called liquidation or straight bankruptcy, discharges unsecured debts. The vast majority of clients do not lose anything at all because of the property exemptions of bankruptcy.
As soon as your Chapter 7 petition is filed, you are protected from most creditors. You will most likely not lose your home to foreclosure or your vehicle to repossession if you are current on those payments and are able to continue making those payments. Bankruptcy stops wage garnishment and creditor harassment.
A Chapter 7 discharge takes about three months from the date of filing. While the law requires that attorney fees be paid up front, our $0 Down Bankruptcy®* program allows clients to file the petition now and with the help of a friend or family member pay the attorney fees later through a third party guarantee.
The free initial consultation takes about 45 minutes to one hour. One of our experienced bankruptcy lawyers will review your finances — income, assets, debts and expenses — to determine your debt relief options. The vast majority of our clients qualify for Chapter 7 discharge, and the few who do not can still obtain relief through Chapter 13 bankruptcy.
The law requires every person seeking bankruptcy protection to take two debtor education classes, a pre-filing credit counseling course and a pre-discharge financial management course. The brief courses often can be completed on the Internet or by phone, and we help clients find an approved agency.
There is one brief court appearance about 30 days after your petition is filed. The meeting of creditors is conducted by a bankruptcy trustee, who will verify personal information and ask a few questions about your assets, your debts and your finances. In most cases, the official discharge order is issued about 60 days later. You are no longer obligated for those debts and creditors cannot come after you.
Contrary to myths about bankruptcy, you will not be blacklisted by lenders and credit card companies. Those who take the appropriate steps to rebuild credit after bankruptcy typically can obtain new credit cards within a few months and auto and mortgage loans within a few years or sometimes much sooner.
Call Us Now · 800-850-7867 or 651-202-2203
The Hoglund Promise · What Our Clients Say
With more than 40 years of combined experience, the attorneys of Hoglund, Chwialkowski & Mrozik have helped thousands of Minnesota citizens file for Chapter 7 bankruptcy. We have a convenient office location close to you, with offices throughout the Twin Cities, St. Cloud, Rochester, Mankato and Duluth. Call us today for a free consultation 651-202-2203.