If you are struggling to get out from under overwhelming debt, Chapter 7 or Chapter 13 bankruptcy may be your path to a fresh financial start. Ask yourself if any of these apply to your situation:

• Do you owe more than you can pay?
• Are you being hounded by creditors harassing you and threatening legal action?
• Are you having trouble making even the minimum payments of your credit card debts and other debts?
• Do you feel overwhelmed with the increasing bills piling up?
• Is debt negatively impacting other aspects of your life including your work and family situation?
• Are you at risk of losing your home to foreclosure or your car to repossession?
• Are you experiencing job loss, serious medical injuries or other major financial setbacks?
• Are you feeling increasingly overwhelmed, anxious, depressed or ashamed with your current financial situation?

If so, then contact the Minnesota bankruptcy lawyer offices of Heimerl & Lammers and take the first step to discharging your debts and getting on with your life.

Procedure for Filing for Bankruptcy

The first thing to do when it comes to filing for bankruptcy is to contact a MN bankruptcy lawyer to help you out. You will need to fill out court papers that will ask you a number of questions pertaining to your current financial situation. This will include:

• Your income and expenses
• Your property and possessions
• The names and address of the creditors

Once the documents have been collected and signed, the next step is to file these documents as well as evidence of your hardship to the federal court. The court will then issue an order to put an end to the creditors and you will be one step closer to absolving your debts. Several days after you file for bankruptcy, the federal court will send you a letter which will contain the date and time of a bankruptcy trustee meeting. You and your bankruptcy attorney will need to attend this meeting.

During your bankruptcy meeting, you can expect the details of your case to be confirmed by the court. Once everything has been confirmed to be true and in order, your bankruptcy claim will be go through and the court will discharge you of your debt. For a Chapter 7 bankruptcy, this can take up to 60 days; for a Chapter 13 bankruptcy, the court and your bankruptcy attorney will determine a suitable payment plan for the next three to five years.

Once your bankruptcy claim has gone through, you are free to start again. The bankruptcy claim will remain on your credit report for seven to ten years but you will still be able to proceed normally through life. You can continue to work, to attend school, to make payments and to save for whatever the future holds.

Minneapolis Bankruptcy Lawyer Advice

For more information on the bankruptcy procedure or 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.