I just had the privilege of helping a family on a case that I almost didn’t accept. This gentleman called me in November, indicating he had purchased a vehicle for $6,000 cash in August, after verifying the title was good at the DMV, only to be contacted by the Anoka...
For non-emergency services, a medical clinic or dentist can stop seeing you as a patient for any reason, including nonpayment, even if that is due to bankruptcy. As a practical matter, medical clinics, and dentist will permit you to continue as a patient. I’ve...
Effective this month, seriously delinquent taxpayers (defined as $51,000 or more to the IRS, where liens have been filed) may get their passports revoked or denied. This is the implementation of legislation that was passed in December 2016. Go to this link for...
After six straight years of double-digit annual declines in bankruptcy filings, Minnesota Bankruptcy Filings of 2017 edged up slightly over 2016, with a 1.51% increase. Bankruptcy filings peaked in 2011 following the Great Recession. The Minnesota Bankruptcy Court has...
The Department of Justice recently did its semiannual adjustments of the median income figures, which are effective in bankruptcy case is filed after November 1, 2017. The median income is an important figure, as debtors below that figure are almost always assured a...
When you buy into a condominium or townhouse, you will be subject to an association, whose fees, bylaws and rules “run with the land.” By operation of the agreement itself, if you fail to pay the dues (or any additional amounts that are assessed) they become a lien...
This is a big one. 143 million people had their social security number and credit card info stolen. It is bigger than the Target breach, and while not as big as the Yahoo breach, they have a lot of your info. Nobody is immune, unless you have no credit. Even if you...
The three major credit bureaus recently decided to stop reporting judgments on credit reports. This is due, in part, to the difficulty in providing accurate information. It is easy for them to gather the information when a judgment is docketed, but when a satisfaction...
I have just penned my first book about bankruptcy basics. To download it, fill out your email address below and it will direct you to a downloadable link.
I don’t simply assume that anybody with debt issues needs or wants to file bankruptcy. In fact, some people shouldn’t file bankruptcy, or they want to try alternatives before filing. For those considering the advantages and disadvantages of bankruptcy, versus other...