Bankruptcy is a major decision, but for many, it is the only option that will allow someone to dig his or her way out of a deep financial hole. Maybe they are dealing with medical bills or maybe they have too much credit card debt or maybe a significant life change such as a divorce or loss of a job resulted in financial turmoil.
It does not matter the cause, if you are considering bankruptcy or you are not sure how you are going to resolve your financial stress, working with an experienced Minnesota bankruptcy attorney can help. A bankruptcy attorney can answer your questions, explain your options, and help you determine your next step.
Consulting with a bankruptcy attorney can give you peace of mind.
There are few things as stressful as financial and credit problems. When you are in debt and you have fallen behind on your bills, the collections process can be impossible to deal with. People with credit problems often face dozens of calls per day from bill collectors, garnishment on their paychecks or levies on their accounts, and the possibility of losing their family homes.
A bankruptcy attorney can help you bring all of these problems to an end. The moment you begin working with a bankruptcy attorney, something known as the automatic stay goes into effect. This means all collection efforts against you must cease – including foreclosure – and you are able to hand over the hassle of dealing with creditors to your bankruptcy attorney.
All of your problems are not solved, but beginning the process of bankruptcy stops the ongoing dread you feel every day when you are facing money problems. It gives you time and space to come up with a plan and can help you get the fresh start on your financial life you so desperately need. It lets you assess where you are and figure out where you want to be.
Contact an Experienced St. Cloud, Minnesota Bankruptcy Attorney to Discuss Whether Bankruptcy is Right for You
Bankruptcy is not the answer for everyone, but it might be right for you. There is no reason why you need to spend another day wondering how you are going to get a handle on your financial turmoil.
If you are looking for an experienced bankruptcy attorney in the Twin Cities area, Sam Calvert can help. Sam has been practicing law in St. Cloud for more than 40 years. He is a graduate of William Mitchell College of Law in St. Paul, Minnesota. Sam was formerly a member of the private panel of bankruptcy trustees for chapter 7. and a chapter 12 trustee, so he has a keen understanding of the bankruptcy process. He now focuses on representing people in financial distress and helps only individual consumers or small businesses – not large corporations.