Minnesota Bankruptcy Lawyers

Helping Clients in Washington County Start Fresh

Are you facing foreclosure of your home? Does it feel like your credit card debt is out of control? If so, you need to speak with our legal team at Lamey Law Firm P.A. Our Minnesota bankruptcy lawyers are ready to help you start financially anew. We realize that when you seek our help, you are experiencing a great deal of financial strain and anguish. And we want you to know that you are not alone. You can always rely on us to deliver compassionate and caring services.

Explore Your Bankruptcy Options in Minnesota

We can guide you through the following kinds of bankruptcies:

Once we determine what kind of bankruptcy would suit your needs, we will confirm your eligibility and begin preparing all the necessary paperwork. We will remain at your side, from start to finish, to ensure your rights are protected, especially during creditor meetings.

Our bankruptcy attorney's goal is to deliver the debt relief you need to move on to the next chapter of your life. Once you are on the right track, we can prepare you for life after bankruptcy to ensure your financial future remains stable and secure.

What Debts Can Be Discharged Through Bankruptcy?

Bankruptcy can help discharge certain types of debts. This includes unsecured debts like credit card balances, medical bills, personal loans, and past-due utility bills. For individuals struggling with these kinds of debts, filing for bankruptcy can provide a fresh financial start by eliminating their obligation to repay these debts.

It's important to know that filing for bankruptcy will not eliminate every debt. Most debts, including student loans, alimony, child support, and most tax obligations, are usually not dischargeable. If you want to preserve the collateral (your house or vehicles), secured debts like mortgages and auto loans might not be completely dismissed. Rather, as part of the bankruptcy procedure, the terms of the debt may be changed or reorganized.

Navigating the complexities of what can and cannot be discharged is one of the critical reasons why individuals considering bankruptcy should consult with an experienced bankruptcy attorney in Minnesota. They can provide guidance on how bankruptcy may affect your specific debts based on your financial situation and goals.

Struggling with Debt in Minnesota? Contact Lamey Law Firm P.A. at (651) 309-8180 or reach out online for a consultation with our skilled bankruptcy attorneys! Serving Lake Elmo, Maplewood, Woodbury, Pine Springs, and Oak Park Heights.

Minnesota's Debt Collection Laws and Your Rights

Debtors have many protections under federal law, and those in Minnesota have additional protections under Minn. Stat. §§332.31 to 332.45. These laws protect Minnesota debtors from harassment by collection agencies and the original debt collectors. Debt collectors are also required to be licensed in Minnesota.

If you face harassment from a collector or collection agency, our attorneys can help you with your options to end this harassment, including filing for bankruptcy to implement the automatic stay. We can also help you with more information about how state and federal laws affect bankruptcy.

Why Choose Our Bankruptcy Attorneys in Washington County?

Top Reasons to Select Lamey Law Firm P.A. for Your Bankruptcy Needs:

Selected for Inclusion in Super Lawyers
Free Phone or In-Person Consultations
30+ Years' Combined Legal Experience
Weekend & Evening Availability
Personalized Solutions from Our Experienced Team

We have over 30 years of experience handling bankruptcy cases, including the most complex. As a result of our outstanding services, members of our legal team have been honored with inclusion on the Super Lawyers®' and Super Lawyers® Rising Stars℠ lists.

Because no two bankruptcy cases are exactly alike, we strive to provide individualized attention to each one of our clients. We also offer weekend and evening meeting times to accommodate our clients' busy schedules. Reach out to our Oakdale bankruptcy lawyers.

Ready to File for Bankruptcy? (651) 309-8180 Schedule a consultation with our trusted bankruptcy attorney today!

Commonly Asked Questions

What is bankruptcy?

Bankruptcy is a legal process that allows individuals or businesses to eliminate or repay their debts under the protection of the bankruptcy court.

What are the different types of bankruptcy?

The main types of bankruptcy for individuals are Chapter 7 and Chapter 13. Chapter 7 involves the liquidation of assets to repay creditors, while Chapter 13 involves creating a repayment plan to pay off debts over a period of time.

How does bankruptcy affect my credit?

Filing for bankruptcy will have a negative impact on your credit score and will remain on your credit report for several years. However, it can also provide a fresh start and an opportunity to rebuild your credit over time.

Will I lose my home if I file for bankruptcy?

Filing for bankruptcy does not automatically mean you will lose your home. There are exemptions and protections in place to help you keep your home, especially if you are current on your mortgage payments.

Can I file for bankruptcy on my own?

While it is possible to file for bankruptcy on your own, it is highly recommended to seek the guidance of a bankruptcy attorney. They can help navigate the complex legal process, ensure your rights are protected, and increase your chances of a successful outcome.

How long does the bankruptcy process take?

The length of the bankruptcy process can vary depending on the type of bankruptcy and individual circumstances. Chapter 7 bankruptcy typically takes a few months to complete, while Chapter 13 bankruptcy can last three to five years.

Can Bankruptcy Help with Overwhelming Medical Bills in Minnesota?

Yes, bankruptcy can be a viable solution for Minnesota residents overwhelmed with medical bills. Unsecured debts like medical expenses can typically be discharged through bankruptcy, providing relief from the obligation to repay them. Our experienced attorneys at Lamey Law Firm P.A. can evaluate your financial situation and advise which type of bankruptcy is the best option to handle your medical debt and help you pursue a fresh financial start.

How Can I Stop Creditor Harassment in Minnesota?

If you're facing harassment, our attorneys can inform you of your rights and options, including filing for bankruptcy, which enacts an automatic stay halting most collection activities. We can help you understand the protections under Minn. Stat. §§332.31 to 332.45 and take action to end the harassment you're experiencing.