Minnesota Bankruptcy Lawyers
Helping Clients Facing Bankruptcy in Washington County Start Fresh
Are you facing foreclosure of your home? Does it feel like your credit card debt is out of control? If so, you need to speak with our legal team at Lamey Law Firm P.A.. Our Minnesota bankruptcy lawyers are ready to help you start financially anew. We realize that when you seek our help, you are experiencing a great deal of financial strain and anguish. And we want you to know that you are not alone. You can always rely on us to deliver compassionate and caring services.
What Debts Can Be Discharged Through Bankruptcy?
Bankruptcy can help discharge certain types of debts. This includes unsecured debts like credit card balances, medical bills, personal loans, and past-due utility bills. For individuals struggling with these kinds of debts, filing for bankruptcy can provide a fresh financial start by eliminating their obligation to repay these debts.
It's important to understand that while bankruptcy offers relief, it also imposes certain limitations. Not all debts can be discharged; for instance, student loans, alimony, child support, and certain tax obligations are typically non-dischargeable. Additionally, if keeping your home or vehicle is a priority, it is vital to negotiate the terms of secured debts, like mortgages and car loans, during the bankruptcy process. Our knowledgeable attorneys can outline how these nuances apply to your situation, ensuring you make informed decisions about your financial future.
Navigating the complexities of what can and cannot be discharged is one of the critical reasons why individuals considering bankruptcy should consult with an experienced bankruptcy attorney in Minnesota. They can provide guidance on how bankruptcy may affect your specific debts based on your financial situation and goals. We serving Lake Elmo, Maplewood, Woodbury, Pine Springs, and Oak Park Heights.
Struggling with Debt in Minnesota? Contact Lamey Law Firm P.A. at (651) 309-8180 or reach out online for a consultation with our skilled Minnesota bankruptcy attorneys!
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Inclusion in Super Lawyers® 2015 - Present
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Nearly 30 Years' Combined Legal Experience
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Tailored Solutions From Qualified Lawyers
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Free Phone Or In-Person Consultations
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Weekend & Evening Availability
Clients Share Their Experiences with Us
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“Answered all questions and concerns very fast and helped to be a calming presence at a time of high stress.”- J.A.
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“John is discrete and extremely professional. I will continue to send potential bankruptcy clients his direction.”- L.H.
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“Everyone was great, there were no surprises, and the rates are very reasonable”- J.L.
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“John and his staff are a professional team on the highest level.”- D.H.
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“I cannot tell you how nice it was working with John Lamey”- G.L.
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“We are excited about our fresh new start.”- J.J.
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“Elaine has changed my life for the better”- R.W.
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“You do not need to look further if you are looking for an honest and genuine attorney.”- S.B.
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“I would not go anywhere else for any financial or corporate needs for law.”- R.M.
Minnesota's Debt Collection Laws & Your Rights
Debtors have many protections under federal law, and those in Minnesota have additional protections under Minn. Stat. §§332.31 to 332.45. These laws protect Minnesota debtors from harassment by collection agencies and the original debt collectors. Debt collectors are also required to be licensed in Minnesota.
Understanding these protections is crucial for anyone feeling pressured by creditors. Under Minnesota law, debt collectors cannot use deceptive actions, misrepresent debts, or threaten unlawful acts. If you experience these violations, it might be grounds for legal action. Furthermore, implementing a bankruptcy filing can put an immediate stop, known as an automatic stay, to harassment and collection actions. This layer of protection is instrumental for maintaining peace of mind while working through debt solutions with our team.
If you face harassment from a collector or collection agency, our attorneys can help you with your options to end this harassment, including filing for bankruptcy to implement the automatic stay. We can also help you with more information about how state and federal laws affect bankruptcy.
Why Choose Our Bankruptcy Attorneys in Washington County?
Top Reasons to Select Lamey Law Firm P.A. for Your Bankruptcy Needs:
- Selected for Inclusion in Super Lawyers
- Free Phone or In-Person Consultations
- 30+ Years' Combined Legal Experience
- Weekend & Evening Availability
- Personalized Solutions from Our Experienced Team
When selecting a legal partner to navigate bankruptcy, the experience and personalized care provided can significantly impact outcomes. Our team at Lamey Law Firm P.A. offers over 30 years of dedicated service in Minnesota, recognized by our inclusion in prestigious recognitions like Super Lawyers. Beyond accolades, our commitment to client convenience is evident in our flexible consultation hours and customized approach to each client's needs. Our legal guidance extends beyond mere representation, focusing on empowering clients through knowledge and tailored strategies.
Because no two bankruptcy cases are exactly alike, we strive to provide individualized attention to each one of our clients. We also offer weekend and evening meeting times to accommodate our clients' busy schedules. Reach out to our Oakdale bankruptcy lawyers.
Ready to file for ankruptcy? (651) 309-8180 Schedule a consultation with our trusted MN bankruptcy attorney today!
Understanding Bankruptcy in Oakdale
In Oakdale, Minnesota, understanding how bankruptcy laws impact the community can make a significant difference when considering this financial solution. Oakdale residents face unique challenges that can affect the decision to file for bankruptcy, including the local economy and employment-related issues. Seasonal employment changes in Oakdale can lead to fluctuating income levels, making it difficult for some residents to meet financial obligations throughout the year. As a local firm, we are intimately familiar with these local economic dynamics and are well-positioned to provide guidance that takes these factors into account.
It’s also crucial to understand the available resources within Oakdale. Community organizations, such as local financial literacy workshops and non-profit credit counseling services, can be valuable allies in debt management. Collaborating with these groups can provide Oakdale residents with a more comprehensive financial recovery plan, integrating bankruptcy with education and sustainable practices. Our firm's connection to the community means we're in a prime position to refer clients to these resources, ensuring a holistic approach to resolving their financial difficulties.
Common Myths About Bankruptcy
There are many misconceptions about bankruptcy that can deter individuals from exploring it as an option for financial recovery. One prevalent myth is that bankruptcy will permanently ruin your credit. While it is true that bankruptcy can impact your credit score, it is a temporary effect and many individuals find their scores improve in the months following a bankruptcy discharge due to the elimination of burdensome debt.
Another common misconception is that bankruptcy will cause you to lose all your property. However, bankruptcy exemptions often allow debtors to keep essential property such as their home, vehicles, and retirement accounts. At Lamey Law Firm P.A., we make it a priority to ensure our clients understand these realities so that they can make informed decisions without fear of unintended losses. We guide clients through the entire process, clarifying what assets can be protected and helping them strategize to maximize these protections within the boundaries of Minnesota's laws.