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. 

     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. 

      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. 

     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. 

     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. 

     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. 

     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. 

    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. 

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. 

     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.

    Recently, a Hennepin County court filing claims Hoglund Law: “Hoglund buried its clients’ complaints concerning its fraudulent advertising by soliciting and publishing nothing but positive reviews via “review—gating” software, and falsely claimed five-star Google reviews for nearly all of its offices via its website when—in reality—most of its offices did not have five-star reviews.” 

     A court document filed on September 26, 2023 in Hennepin County, Minnesota alleges Hoglund Law, based in Roseville, MN, engaged in massive advertising and marketing fraud. More blogs regarding this topic will follow. 

    Life is full of ironies. We have met with thousands of Minnesotans who felt embarrassed to file Chapter 7 Bankruptcy in Minneapolis. We know how you feel right now. Our former clients felt the same way you do now. But do you know what they found? They found once you get on the other side of debt, life is wonderful. 

If we only had a crystal ball right? If only you could imagine what life would be like after filing Chapter 7 Bankruptcy in Minneapolis, MN. Actually, there is a way to look into that crystal ball and see what life is like after Chapter 7 Bankruptcy. How so? Look at bankruptcy reviews from people who have hired bankruptcy law firms and see what they say. You can tell a lot about how someone else feels after they have gone through bankruptcy by reading reviews. 

LifeBack Law Firm has written many blogs on the subject of law firms engaged in geographic fraud and review fraud. Our journey to stop law firms engaged in geographic fraud and review fraud has just begun. 

It is now 2024, and where is LifeBack Law Firm today? In Jany, 2021, LifeBack Law Firm embarked on an aggressive initiative to promote diversity and inclusion within our ranks. In short, we set out to make LifeBack Law Firm a safe place for all humans to work and a safe place for all clients to come to get bankruptcy help.