If you are looking to file bankruptcy in Minnesota you must be aware of who is marketing to you. For, example, if you call someone who is out of state, tread very carefully. Why? I have known some of these entities to have you sign contracts stating that they will immediately begin work and charge you by the hour. So, if you call them, they bill you. If you email them, they bill you. The reason why this is so important is if you pay 2k for bankruptcy but decide not to file the bankruptcy, you will not receive a full refund of your fees.

Having a medical problem is awful enough- but just wait until you get home and receive the medical bills. If you didn’t want to die before, you will now. It shouldn’t be this way. You should not have to go bankrupt to protect your family from medical problems. And yet, our health insurance coverages get worse and the medical out of pocket costs grow larger.

Apart from politicians and large medical providers, who else benefits from a system like this? No one! The problem with overwhelming medical debt is it’s so unpredictable and uncontrollable. You can’t help medical problems for the most part.

Absolutely not. Financial problems are so common that they touch almost everyone. Many people live paycheck-to-paycheck. So even a slight income disruption or a small unexpected expense is often devastating. One in four Minnesotans worry about money so much that they have PTSD-like symptoms. That figure is self-reported, so the actual number may be even higher.

In other words, if financial problems could affect your job, many of us would be out of work. That’s simply not a workable environment, so bankruptcy discrimination is illegal.

Most Americans are worried about money. In fact, for about a quarter of people dealing with debt issues, the stress is bad enough to create PTSD-like symptoms. Sometimes, a few hours of moonlighting per week and some financial sacrifices in other areas are sufficient to restore financial sanity. But in many other cases, that method will not work because there is simply too much debt. Making matters worse, moneylenders call and send letters almost daily, and each new communication is a little more threatening than the last one.