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Inside you will find over 500 helpful articles discussing the Chapter 7 & 13 Bankruptcy Process and other solutions for difficult financial situations.

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Misty Myers

Misty Myers

Recent Posts

Can I File Bankruptcy For my Deceased Parent’s Home in Walker, MN?

Posted by Misty Myers on January 22

What happens when the unexpected happens? You are going along and unexpectedly (or perhaps it is expected), your parent passes away without a will, leaving their home to you as the beneficiary. You are now trying to juggle the mortgage payment on your parent’s home in an effort to keep the home in the family, in addition to another mortgage and your own debt. Pretty soon you realize that your parents were behind on their mortgage payments when they passed away and you get that dreaded foreclosure notice. You were barely making ends meet before and now you need to come up with additional money to save the house.

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How Bankruptcy Can Help With Your Utility Bills in Wadena

Posted by Misty Myers on December 18

If you are living in Wadena and you are thinking about debt and bankruptcy, you are probably thinking about credit cards, loans, mortgages, and things like that.  What you may not be thinking about are utility bills.  Yet, utility bills are often the bills that get juggled when we are living paycheck to paycheck.

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Mobile Home Repossession Laws in Minnesota

Posted by Misty Myers on December 12

Most of us been in a position where we have been living paycheck to paycheck and have to pick and choose whether to pay certain bills or put food on the table for our families.  Families should not have to go through this, but up until the point they come into my office, that is often the case.  Now, sometimes one of the bills that doesn’t get paid is the mortgage.  If you live in a home and the mortgage is secured by land, the home would go through the normal foreclosure process.  But what happens if you live in a mobile home and the mortgage is not secured by land, and instead you rent the lot?  The process is a little different.

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Will my Neighbors in Brainerd Find out About my Bankruptcy?

Posted by Misty Myers on December 1

I am a fairly private person.  I think it is natural for people to want to keep certain pieces of their lives private and this includes their financial affairs, whether they are having financial problems or not.  However, when people are having financial issues, they are probably a little more concerned with keeping it private.  It is a humbling thing to go through and people tend to not want to advertise it.  It is tough to be vulnerable and it is tough for us, as humans, to admit we are going through tough times.  I understand that.  It is interesting the stigma that is put on individuals who may be feeling some financial stress, yet look at the companies and banks that have been bailed out by the government.  I highly doubt those entities are losing sleep over being given a second chance; at being able to access a tool to help them out of their financial troubles.  You should not lose sleep over being given a second chance either.  But I know that before someone files bankruptcy, sometimes they are concerned with people finding out about their second chance.

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