Welcome To The MN Bankruptcy Blog

Inside you will find over 500 helpful articles discussing the Chapter 7 & 13 Bankruptcy Process and other solutions for difficult financial situations.

 

      Wesley Scott

      Wesley Scott
      I love being a Minnesota bankruptcy attorney because it allows me to give people hope that, together, we can get their lives back. People call us because of business failure (many businesses fail, that is a fact of life), income drop (bad economy or otherwise), divorce (happens to many), medical problems (how can you help that?), and bad financial decisions (we have all made them!). I understand the financial pressures my clients face because I experienced many of these same pressures growing up. I know that most of my clients end up in debt through no fault of their own. I became a bankruptcy attorney to give these people the help and support they need in this time of trouble.
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      Recent Posts

      HOW STUDENT LOANS INTERSECT WITH CHAPTER 7 BANKRUPTCY: DON’T HOLD YOUR BREATH

      Posted by Wesley Scott on March 14

          Section 523(a)(8) of the Bankruptcy Code makes student loan debt non-dischargeable unless debtor sues the student loan company and convinces a bankruptcy judge that repayment of the student loan debt would cause debtor an undue hardship. If ever there were more loaded words than “undue hardship”, I am not sure what they would be.

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      Bank refuses to retrieve vehicle (collateral) in Minneapolis, MN Chapter 7 Bankruptcy; why?

      Posted by Wesley Scott on March 4

          We get this phone call often. The person on the other end of the call is a former client of LifeBack Law Firm. The client has a vehicle loan for 10k and the vehicle is now a pile of junk. Yes, it is unusual for a bank not to want their collateral back, unless the collateral is junk.

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      Filing Chapter 7 bankruptcy in Minneapolis, MN? Watch out for these two things…..

      Posted by Wesley Scott on February 29

           If you are thinking about filing a Chapter 7 Bankruptcy in Minneapolis, MN, you need to watch out for these two things before choosing a bankruptcy law firm that is right for you.

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      MN Professional Lawyer Responsibility Board Chooses Not to Tackle Law Firm Geographic Fraud in Minnesota; Public suffers

      Posted by Wesley Scott on February 23

      Court filing saysHoglund Law engaged in massive interstate advertising and marketing fraud spanning multiple states

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      CHAPTER 13 BANKRUPTCY BASICS EASY TO UNDERSTAND IN MINNEAPOLIS, MN

      Posted by Wesley Scott on February 17

          I often refer to a Chapter 13 Bankruptcy as a government-sponsored debt consolidation plan with unique twists. For example, in Chapter 13 Bankruptcy, the plan duration is limited to 3-5 years. We cannot go shorter than 3 years and we cannot go longer than 5 years.

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      FILING BANKRUPTCY IN MINNEAPOLIS, MN? WATCH OUT FOR THIS…..

      Posted by Wesley Scott on February 5

      Court filing says Hoglund Law engaged in massive interstate advertising and marketing fraud spanning multiple states

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      2024 UPDATE: BANKRUPTCY AND STUDENT LOAN DISCHARGE IN MINNEAPOLIS, MN

      Posted by Wesley Scott on February 1

           When the news hit about a new truncated process to determine if student loans are dischargeable in bankruptcy, hopes naturally rise. When hope rises, our phones ring from anxious people wondering if student discharge is truly a possibility for them. I get it. We get it. 

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      Lifeback Law Firm Celebrates 2023 Milestones and Looks to 2024

      Posted by Wesley Scott on January 26

           In 2021, LifeBack Law Firm decided to change who we were to Minnesotans needing a safe refuge to inquire about bankruptcy and a safe place for employees to work. Looking back at early 2021, even I had little understanding (I am sad to say) just how unsafe the firm was for employees and prospective clients. When we set out to revamp ourselves and promote diversity and inclusion amongst our ranks, the blowback we got was swift, immature, and as insecure as you would imagine. It turns out, for many, unless diversity benefits them, they give diversity lip service. The trouble for them is the firm had no intentions of giving diversity and inclusion lip service. 

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      The Court Filing Says Hoglund Law Removed 229 Google Maps Listings Because They Were False.

      Posted by Wesley Scott on January 15

            A court filing in Hennepin County, MN on September 26, 2023 (court file no. 27-CV-23-12137), claims from 2013 to 2020, Hoglund, Chwialkowski & Mrozik P.L.L.C. n/k/a Hoglund & Mrozik, P.L.L.C. engaged in massive interstate advertising and marketing fraud spanning multiple states on its website, Google map location and lawyer listings, and by its conventional advertisements. 

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      Court Filing Says Hoglund Law Engaged in Massive Interstate Advertising and Marketing Fraud Spanning Multiple States

      Posted by Wesley Scott on January 10

           A court filing in Hennepin County, MN on September 26, 2023 (court file no. 27-CV-23-12137), claims from 2013 to 2020, Hoglund, Chwialkowski & Mrozik P.L.L.C. n/k/a Hoglund & Mrozik, P.L.L.C. engaged in massive interstate advertising and marketing fraud spanning multiple states on its website, Google map location and lawyer listings, and by its conventional advertisements. 

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      Feeling Anxious About Filing Bankruptcy in Minneapolis, MN?

      Posted by Wesley Scott on January 5

           Every single human who ever lived on this planet or who is living on the planet now has felt the emotion of anxiety. Anxiety is a human emotion that helps us in case a wilder beast is about to attack us. It is not so helpful if a wilder beast is not attacking us. 

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      3 Easy Ways to Overcome the Fear of Filing Bankruptcy in Minneapolis

      Posted by Wesley Scott on January 1

           The fear of filing bankruptcy in Minneapolis, MN is real. The level of courage it takes to overcome this fear and actively think about bankruptcy is commendable. However, there are ways to alleviate the fears of filing bankruptcy you may not have thought about. When discussing strategies on how to resolve a debt problem for good at LifeBack Law Firm, we discuss this in detail. 

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      Court filing says Hoglund Law buried its client’s complaints concerning its fraudulent advertising.

      Posted by Wesley Scott on December 16

           A court filing in Hennepin County, MN on September 26, 2023 (court file no. 27-CV-23-12137), claims from 2013 to 2020, Hoglund, Chwialkowski & Mrozik P.L.L.C. n/k/a Hoglund & Mrozik, P.L.L.C. engaged in massive interstate advertising and marketing fraud spanning multiple states on its website, Google map location and lawyer listings, and by its conventional advertisements. 

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      Chapter 7 and 13 Bankruptcy: your finances are sick, you are not

      Posted by Wesley Scott on December 9

          I often counsel clients about whether they should file Chapter 7 and 13 Bankruptcy. In the course of counseling clients, I often remind them that their finances are sick; they are not. Do you see the difference? You are not your finances. When you pass from this earth, no one says, “She really knew how to pay a million-dollar hospital bill after her heart attack 10 years ago”. No one says this because you are not your finances. 

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      Court filing says Minnesota law firm engaged in massive interstate advertising and marketing fraud spanning multiple states

      Posted by Wesley Scott on December 1

      A court filing in Hennepin County, MN on September 26, 2023 (court file no. 27-CV-23-12137), claims from 2013 to 2020, Hoglund, Chwialkowski & Mrozik P.L.L.C. n/k/a Hoglund & Mrozik, P.L.L.C. engaged in massive interstate advertising and marketing fraud spanning multiple states on its website, Google map location and lawyer listings, and by its conventional advertisements. 

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      Can a Chapter 7 Bankruptcy Be Denied in Minneapolis, MN?

      Posted by Wesley Scott on November 15

           We get this question often. Can this be denied? If we are talking strictly in terms of percentages, over 99.9% of all Chapter 7 debtors get a discharge of their debts. There are some who will not. Why? If you are hiding assets before or during your bankruptcy filing you will be in trouble. If you refuse to cooperate with the administration of your case, you will be in trouble. In short, honest debtors get relief and dishonest debtors do not.

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