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.

 

      Amanda Scharber

      Amanda Scharber
      For me, one of the greatest joys of being a bankruptcy attorney is seeing the look on my client’s face after the initial consultation, when they typically realize their burden can be lifted.

      Recent Posts

      Ways to Save on Groceries While in Bankruptcy in Minneapolis, Minnesota

      Posted by Amanda Scharber on May 28

      Whether you are trying to save on groceries due to income, dietary needs, family size, or other reasons, this blog will explore savings at the grocery store. 

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      Who Receives Notice You Filed Bankruptcy in Minneapolis, Minnesota

      Posted by Amanda Scharber on May 25

      Various parties will receive notice of your case filing, directly from the court, your attorney, a creditor, or a combination. The creditor or party’s interest in your case, will determine who receives notice you filed bankruptcy. 

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      Can Bankruptcy Help with Rent in Minneapolis, Minnesota

      Posted by Amanda Scharber on May 19

      Whether you have a prior lease you still owe on that you cannot pay or you are behind on a current lease, bankruptcy may be able to help. 

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      Proof of Claims in Bankruptcy in Minneapolis, Minnesota

      Posted by Amanda Scharber on May 16

      When you file either an asset Chapter 7 case or a Chapter 13 case, your creditors can file a claim. The claim will state, who the creditor is, where they can be reached, the amount owed to them, why it is owed, and proof of the debt. Creditors file claims in cases, so the trustee knows who to pay. 

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      How Does Income Impact Bankruptcy in Minneapolis, Minnesota

      Posted by Amanda Scharber on May 8

      When you first speak with an attorney about options for filing bankruptcy, you should know an average of your income or your hourly rate, or at least a best estimate of your income. Income is important, because it can determine which bankruptcy you will file. 

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      Assets Listed in Bankruptcy in Minneapolis, Minnesota

      Posted by Amanda Scharber on May 1

      When you file bankruptcy you must list everything you own or are entitled to. When you file, you create a bankruptcy estate. The estate owns everything you own or are entitled to until the exemption objection period passes or you buy back non-exempt assets from the estate. 

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      Can You Discharge Medical Debt in Bankruptcy in Minneapolis, Minnesota

      Posted by Amanda Scharber on April 30

      While there is no such thing as medical bankruptcy cases, you can still discharge medical debt in bankruptcy. In fact, medical debt is fairly easy to include in bankruptcy, as long as you know where your medical debt was incurred. For example, the hospital or clinic you went to. 

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      What Happens After Your 341 Bankruptcy Hearing in Minneapolis, Minnesota

      Posted by Amanda Scharber on April 16

      A 341 hearing is typically the only hearing you attend in your bankruptcy case. It is about a month after filing and will take about 5-10 minutes, depending on your case. The trustee of your case conducts the hearing and will go through yes or no questions with you to verify your case information. 

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      What Happens with Secured Debts in Bankruptcy in Minneapolis, Minnesota

      Posted by Amanda Scharber on April 9

      When you file bankruptcy you have to list all of your creditors, both secured and unsecured. This is true, even if you plan on keeping your secured assets, like houses and vehicles, and will continue paying them. 

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      Why Wouldn’t a Bankruptcy Discharge Go Through in Minneapolis, Minnesota

      Posted by Amanda Scharber on April 1

      Your bankruptcy discharge is the official court order, stating you do not have personal liability on the dischargeable debts anymore. The bankruptcy discharge is the end goal of bankruptcy. Since the discharge is the end goal in most cases, a lot of potential clients wonder what would cause a discharge to not go through.

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      How Does the 341 Hearing Work in Bankruptcy in Minneapolis, Minnesota

      Posted by Amanda Scharber on March 27

      The 341 hearing or Meeting of Creditors is, typically, the only hearing you attend during your bankruptcy case. It is about a month after filing and will, usually, last less than 10 minutes. This meeting is a chance for the trustee in your case and any creditors to ask questions. The questions you will be asked typically are regarding assets, income, debts, and expenses. 

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      Collection Activity in Bankruptcy in Minneapolis, Minnesota

      Posted by Amanda Scharber on March 19

      When you file bankruptcy, you are placed in a metaphorical bubble of protection from your creditors. This bubble is called the automatic stay. The automatic stay protects you from collection activity during the bankruptcy, until you receive your bankruptcy discharge, which is the court order saying you do not have personal liability on your debt anymore. What the automatic stay means for you, is bankruptcy can stop creditor collection harassment, collection lawsuits from moving forward, collection calls, and statements from coming. 

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      Part 2 Common Terms and Phrases in Bankruptcy in Minneapolis, Minnesota

      Posted by Amanda Scharber on March 10

      Bankruptcy is full of nuances and terms you may not hear every day. This blog will explore common phrases you may hear during your case and what they mean or are referring to. 

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      Debt Incurred After Bankruptcy Filing in Minneapolis, Minnesota

      Posted by Amanda Scharber on March 1

      When you file bankruptcy, the debt you have incurred prior to filing, can be included in your bankruptcy case. After filing, any new debt you incur is your responsibility and is not subject to the automatic stay of bankruptcy or the bankruptcy discharge. 

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      Common Terms and Phrases in Bankruptcy in Minneapolis, Minnesota

      Posted by Amanda Scharber on February 26

      When you first speak to an attorney about filing bankruptcy and throughout your case, you may hear certain terms or phrases used frequently. This blog will explore some of the more common words and what they mean. 

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      Why You Should Hire a Bankruptcy Attorney in Minneapolis, Minnesota

      Posted by Amanda Scharber on February 20

      Appearing on your behalf may sound appealing to some due to not paying attorney fees, but the advantages to having an attorney represent you during your bankruptcy greatly outweigh the cost associated with filing. 

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