When you are filing for bankruptcy or in any financial predicament, you don’t want to pay for a consultation to see your options. At LifeBack Law, we offer free bankruptcy consultations. Typically, they are done by phone, Zoom, in-person, FaceTime or Skype. These consultations take about a half hour to an hour, and you will receive advice from a bankruptcy attorney.  

    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. 

When filing bankruptcy the debtor is required to file a bankruptcy petition. The petition includes information about the debtor’s income, assets, creditors and other required disclosures. The debtor files the petition under the penalty of perjury that all the information contained in the petition in true and correct. 

If you are in bankruptcy or not, who doesn’t love a good, easy, cheap meal that will feed the whole family? The below recipe is for crockpot fajitas. It is tasty, easy, and cheap. 

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. 

Side gigs are booming. With delivery, Etsy shops, and various other apps having a side gig is usually an easy way to score extra money, if needed. If you are considering bankruptcy you may be wondering how having a side gig may impact your filing.  

Inflation is hitting everyone hard right now. From utilities to groceries, it seems the cost of living all around is increasing daily. When you file for bankruptcy you will receive advice to reprioritize or restructure your budget, this blog will go into ideas on doing so.

When filing a bankruptcy petition the debtor must file a financial statement which includes a schedule of the assets that are part of the bankruptcy. This includes any current or future interests the debtor may have, including causes of action possessed by the debtor at the time of filing. 

     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.

A conversion is when you convert (or flip) your case from one bankruptcy chapter to another. They are common with chapter 13 to chapter 7 cases, but can also go the other way from a chapter 7 to a chapter 13. This blog will explore what may trigger a conversion during a bankruptcy. 

    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.” 

Filing for bankruptcy is available to honest debtors to allow them respite from their creditors. Even those debtors that have previously filed for bankruptcy relief are allowed to file again for bankruptcy. For those debtors with previous bankruptcy filings, they may not be entitled to a discharge or other protections allowed to bankruptcy debtors depending on the status of their previous cases and when their previous bankruptcies were filed. 

     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. 

An amendment is the official term used, when you change information in your case. There are many reasons to file an amendment to your bankruptcy case, below are a few of the most common: 

A pro se filing is where a person has filed a case by themselves, without an attorney. Pro se cases may be fine for some things, but they are frowned upon for bankruptcy filings. This is because bankruptcy law is nuanced and complex. 

Under section 523(a)(6) in the bankruptcy code, "any debt . . . for willful and malicious injury by the debtor to another [person]" is not dischargeable. 11 U.S.C. §523(a)(6). 

To determine “willful and malicious injury” the facts of the incident must be analyzed. The bankruptcy code itself lacks definition for these terms.