Heimerl & Lammers is one of Minnesota’s most trusted and affordable debt relief agencies providing you with legal advice and financial assistance when you need it most. Our compassionate, experienced and dedicated team of debt relief attorneys will help you come to terms with your financial situation and determine the best solution for debt relief.

St Paul Bankruptcy Lawyer

Section 101(12)(A) defines a debt relief agency as “any person who provides any bankruptcy assistance to an assisted person in return for the payment of money or other valuable consideration, or who is a bankruptcy petition preparer under section 110.” Herimerl & Lammers is a registered debt relief agency that can help you get out of financial hardship.

Bankruptcy is one option for debt relief but it is not the only option. As debt relief agents we can assess your financial situation to determine the best solution for your financial problems. We can help you with:

• Chapter 7 and chapter 13 bankruptcy including filing the petition, attending the court hearing and stopping all creditor harassment and wage garnishment
• Loan modification and loan negotiation including speaking to creditors on your behalf, speaking to lending companies on your behalf and coming up with a solution for everyone
• Short sales, deed in lieu and foreclosure stoppage and other real estate complications along the way
• Financial assistance and advice including debt analysis and debt relief solutions

How Can Debt Relief Help You

Our debt relief agency will work with your financial situation and help with the following:

• Manage your credit card debts
• Manage your monthly bills including groceries, fuel and everyday living expenses
• Manage your mortgage payments, car payments and other secured debts
• Control any student loans, tax debts and other back-paid debts
• Speak to creditors and lending companies on your behalf to negotiate a better solution for your payments
• Debt consolidation
• Interest fee and late fee negotiation
• Bankruptcy advice and solutions
• Come up with a financial schedule and monthly budget to ensure you stay on track down the road

Debt can have several devastating physical and emotional consequences. We have seen clients who have lost complete belief in themselves due to overwhelming debt. Financial stress can cause a burden to your personal and professional life. It can cause fights with loved ones, uncontrolled frustration and anger, sleepless nights, anxiety, depression and much more. Debt is a natural part of our life but in some instances, debt can be too burdensome to control. If you feel like your debt is taking over your entire life, then it’s time to ask for help.

There is no shame in seeking debt relief. In fact, asking for help takes courage and demonstrates your willingness to move away from the problem.  Our attorneys have years of experience as a debt relief agency and will work with you to overcome your financial hardship.

Minneapolis Bankruptcy Lawyer & Attorney

For more information on the debt relief including the bankruptcy procedure and how to file for bankruptcy, contact the law offices of Heimerl & Lammers. We can provide you with a free consultation and help you determine if bankruptcy is the best option for you. With nearly 30 years experience, personal and confidential service and our bankruptcy lawyers on staff, you can be assured that your financial future is in the right hands.

Heimerl & Lammers practices in all eighty seven counties of Minnesota including, Hennepin County, Ramsey County, Scott County, Carver County, Washington County, Anoka County, Wright County, Sherburne County, Chisago County, Isanti County, Stearns County, Dakota County, Cass County, Blue Earth County, Olmsted County, Sibley County and St. Louis County.

We represent Minnesota Bankruptcy Law clients throughout the Twin Cities including Minneapolis, Champlin, Brooklyn Park, Brooklyn Center, Eden Prairie, Edina, Excelsior, Hopkins, Long Lake, Lino Lakes, Maple Plain, Minnetonka, Monticello, Mound, Osseo, Otsego, Rogers, Saint Bonifacius, Saint Paul, St Paul, Spring Park, St Louis Park, Wayzata, Woodbury, White Bear Lake, Plymouth, Maple Grove, Eagan, Eden Prairie, Burnsville, Bloomington, Buffalo and throughout Minnesota.