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

    Medical Debt and Bankruptcy in Minneapolis, Minnesota

    Posted by Amanda Scharber on February 1

    Medical debt is something that will impact almost every American during their lifetime. It doesn’t matter if you have no insurance or your insurance doesn’t cover the full cost, medical debt can pile up fast. For this reason medical debt is fairly common in bankruptcy cases.  

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    Home Values and Bankruptcy in Minneapolis, Minnesota

    Posted by Amanda Scharber on January 24

    The housing market is always fluctuating between highs and lows. This makes it difficult for the average property owner to really know what their property is worth. If you are planning to file bankruptcy, you need to know your property’s value.  

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    Medical Bankruptcy in Minneapolis, Minnesota

    Posted by Amanda Scharber on January 20

     As a bankruptcy attorney, I hear all of the time I need to file a medical bankruptcy. Typically this means someone has an abundance of medical debt they want to file a bankruptcy for. Whenever I hear someone mention medical bankruptcy, I clarify, there is no such thing as a medical bankruptcy.

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    Ideas for Saving Money in Minneapolis, Minnesota

    Posted by Amanda Scharber on January 18

    All year long there are reasons to spend money that may put you over your monthly budget. Whether this is from medical bills, home repairs, birthdays, holidays, or various other financial obligations, they put a strain on your finances. 

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    Bankruptcy Options When Facing an Eviction in Minneapolis, Minnesota

    Posted by Amanda Scharber on January 16

    You received the dreaded letter, stating “Notice of Intent to Evict”. Instead of panic, you have come to the right place to find an overview of how bankruptcy may be able to help.  

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    Automatic Payments and Bankruptcy in Minneapolis, Minnesota

    Posted by Amanda Scharber on January 7

    Automatic payments are very common, whether they are for a vehicle, mortgage, credit cards, or personal loans. When you file a bankruptcy you will either be advised that your automatic payments will stop after filing or you should make sure to stop them prior to filing, this advice depends on the creditor. 

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    Ways to Save on Your Food Budget in Minneapolis, Minnesota

    Posted by Amanda Scharber on December 29

    With inflation climbing, everything seems to be increasing. Many of us are seeing the rise in cost hit especially hard with our grocery budgets. If you are filing bankruptcy, in an active bankruptcy or just looking for ways to save money read on. Below is a list of a few ways you can save money on your next grocery trip.

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    Filing Bankruptcy and Improving Your Monthly Budget in Minneapolis, Minnesota

    Posted by Amanda Scharber on December 5

    If you are in an active bankruptcy or thinking of filing a bankruptcy case, you may be wondering how you can improve your budget and disposable income. 

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    I Received a Judgment in Minneapolis, Minnesota, should I file bankruptcy?

    Posted by Amanda Scharber on December 3

    Receiving notice of a judgment can be scary and very unfamiliar. If you have been notified of a judgment from one of your unsecured creditors, you may be wondering what your next step should be.

    Call LifeBack Law to schedule a free consultation with one of our licensed attorneys. We have offices around Minnesota in St. Paul, St. Cloud, Maple Grove, Eden Prairie, Duluth, Eagan, and Brainerd. Appointments can be done in-person or virtually (phone, Zoom, Skype, or FaceTime) and usually last a half hour to one hour. During the appointment the attorney will get information regarding your situation and then discuss options, including whether a bankruptcy is the right fit for you. 

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    What will my Credit Report Look like After Filing Bankruptcy in Minneapolis, Minnesota

    Posted by Amanda Scharber on November 26

    If you live in Minneapolis, Minnesota and have recently filed bankruptcy or are thinking of filing, you may be wondering how bankruptcy will impact your credit. 

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    Bankruptcy Filing Process in Minneapolis, Minnesota

    Posted by Amanda Scharber on November 18

    Filing bankruptcy in Minneapolis, Minnesota with LifeBack Law is a straight forward process. This is because we do not make clients fill out tons of worksheets, we pull your credit report for you, and we have a 90 day credit repair program after you receive your discharge.
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    Filing Bankruptcy in Minneapolis, Minnesota? Here is a Budget Friendly Recipe

    Posted by Amanda Scharber on November 11

    Whether you have filed for bankruptcy already or are considering filing, you may be wondering what budget friendly recipes are out there to feed your family. 

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    Budgeting in Minneapolis, Minnesota

    Posted by Amanda Scharber on November 9

    Before filing bankruptcy in Minneapolis, Minnesota, your bankruptcy attorney will review your entire case with you. They will go through assets, debts, income and expenses, and financial transfers.

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    Is My Bankruptcy Public Information in Minneapolis, Minnesota?

    Posted by Amanda Scharber on November 7

    Technically, every bankruptcy case is public information after it has been filed. This is because all case filings go to the United States Bankruptcy Court website and can be accessed through Pacer. Although the case is public information and anyone can find a bankruptcy case and the documents filed within the case, there are steps you have to take to access this information. 

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    Minneapolis, Minnesota Bankruptcy Basics

    Posted by Amanda Scharber on October 28

    At LifeBack Law we file both chapter 7 and chapter 13 bankruptcy cases. A chapter 7 is referred to as a liquidation bankruptcy, where as a chapter 13 bankruptcy is a restructuring of your debt.

    The timing of your bankruptcy discharge will depend on which chapter you file. With a chapter 7 bankruptcy you will receive your discharge roughly 90 days after filing. For a chapter 13 your discharge date will be three to five years after your case was filed. 

     

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    Why Should I File Bankruptcy in Minneapolis, Minnesota

    Posted by Amanda Scharber on October 23

    Although, there are many great reasons to file bankruptcy, below are five of the biggest reasons a lot of clients decide to file. 

    The biggest reason is a chapter 7 or chapter 13 bankruptcy is going to discharge your unsecured debts (there are exceptions). Although this list is not exclusive, exceptions include, fines or penalties, student loans, taxes, and domestic support obligations. 

     

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