Welcome To The MN Bankruptcy Blog

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

 

      Wesley Scott

      Wesley Scott
      I love being a Minnesota bankruptcy attorney because it allows me to give people hope that, together, we can get their lives back. People call us because of business failure (many businesses fail, that is a fact of life), income drop (bad economy or otherwise), divorce (happens to many), medical problems (how can you help that?), and bad financial decisions (we have all made them!). I understand the financial pressures my clients face because I experienced many of these same pressures growing up. I know that most of my clients end up in debt through no fault of their own. I became a bankruptcy attorney to give these people the help and support they need in this time of trouble.
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      Recent Posts

      WHAT HAPPENS TO YOUR CREDIT AFTER CHAPTER 7 BANKRUPTCY IS NOT WHAT YOU THINK

      Posted by Wesley Scott on April 25

           The perception among many is filing Chapter 7 Bankruptcy is the death knell to your ability to obtain future credit. In a way, I can understand this perception. For example, many of our clients report the following version of events to us: we are current on all our payments and our credit score is quite good.

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      Court filing says Hoglund Law engaged in massive fraud

      Posted by Wesley Scott on April 22

           A court filing in Hennepin County, MN on September 26, 2023 (court file no. 27-CV-23-12137), claims from 2013 to 2020, Hoglund, Chwialkowski & Mrozik P.L.L.C. n/k/a Hoglund & Mrozik, P.L.L.C. engaged in massive interstate advertising and marketing fraud spanning multiple states on its website, Google map location and lawyer listings, and by its conventional advertisements. 

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      Computers are now exempt in Minneapolis, MN bankruptcies thanks to LifeBack Law Firm

      Posted by Wesley Scott on April 13

          Thanks to the attorneys at LifeBack Law Firm, computers are now exempt as household items under Minnesota bankruptcy exemptions for the first time in history. The world has changed a lot in the last 30 years. Computers have become a necessary household appliance to conduct all kinds of business. Many of us conduct our finances online, make medical appointments online, access our medical records online and do many other household functions.

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      CAN I FILE CHAPTER 7 BANKRUPTCY OR WILL I BE REQUIRED TO FILE CHAPTER 13?

      Posted by Wesley Scott on April 5

           The consensus is filing a Chapter 7 Bankruptcy is better than filing a Chapter 13 Bankruptcy. Why? I know this is ironic but Chapter 7 Bankruptcy looks better for your credit profile than Chapter 13 bankruptcy. Why? Because in Chapter 7 Bankruptcy, you get a discharge in 4 months whereas in Chapter 13 Bankruptcy you are in a repayment plan for 3-5 years before you get a discharge. This is why most of our clients prefer to file Chapter 7 Bankruptcy versus Chapter 13.

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      LIFEBACK LAW FIRM; PROTECTING MINNESOTANS FROM LAW FIRM MARKETING FRAUD

      Posted by Wesley Scott on March 23

          LifeBack Law Firm protects Minnesotans from law firm marketing fraud. How do we do this? When a law firm insists on pretending to be in locations they are not, LifeBack Law Firm calls them out on it. We once discovered a law firm in Minnesota who possessed no less than 237 Google Map Listings. The owner of the firm thought he was a marketing genius. We did not. We do not find it funny at all when prospective clients are deceived about a law firm’s actual location.

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      HOW STUDENT LOANS INTERSECT WITH CHAPTER 7 BANKRUPTCY: DON’T HOLD YOUR BREATH

      Posted by Wesley Scott on March 14

          Section 523(a)(8) of the Bankruptcy Code makes student loan debt non-dischargeable unless debtor sues the student loan company and convinces a bankruptcy judge that repayment of the student loan debt would cause debtor an undue hardship. If ever there were more loaded words than “undue hardship”, I am not sure what they would be.

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      Bank refuses to retrieve vehicle (collateral) in Minneapolis, MN Chapter 7 Bankruptcy; why?

      Posted by Wesley Scott on March 4

          We get this phone call often. The person on the other end of the call is a former client of LifeBack Law Firm. The client has a vehicle loan for 10k and the vehicle is now a pile of junk. Yes, it is unusual for a bank not to want their collateral back, unless the collateral is junk.

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      Filing Chapter 7 bankruptcy in Minneapolis, MN? Watch out for these two things…..

      Posted by Wesley Scott on February 29

           If you are thinking about filing a Chapter 7 Bankruptcy in Minneapolis, MN, you need to watch out for these two things before choosing a bankruptcy law firm that is right for you.

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      MN Professional Lawyer Responsibility Board Chooses Not to Tackle Law Firm Geographic Fraud in Minnesota; Public suffers

      Posted by Wesley Scott on February 23

      Court filing saysHoglund Law engaged in massive interstate advertising and marketing fraud spanning multiple states

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      CHAPTER 13 BANKRUPTCY BASICS EASY TO UNDERSTAND IN MINNEAPOLIS, MN

      Posted by Wesley Scott on February 17

          I often refer to a Chapter 13 Bankruptcy as a government-sponsored debt consolidation plan with unique twists. For example, in Chapter 13 Bankruptcy, the plan duration is limited to 3-5 years. We cannot go shorter than 3 years and we cannot go longer than 5 years.

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      FILING BANKRUPTCY IN MINNEAPOLIS, MN? WATCH OUT FOR THIS…..

      Posted by Wesley Scott on February 5

      Court filing says Hoglund Law engaged in massive interstate advertising and marketing fraud spanning multiple states

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      2024 UPDATE: BANKRUPTCY AND STUDENT LOAN DISCHARGE IN MINNEAPOLIS, MN

      Posted by Wesley Scott on February 1

           When the news hit about a new truncated process to determine if student loans are dischargeable in bankruptcy, hopes naturally rise. When hope rises, our phones ring from anxious people wondering if student discharge is truly a possibility for them. I get it. We get it. 

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      Lifeback Law Firm Celebrates 2023 Milestones and Looks to 2024

      Posted by Wesley Scott on January 26

           In 2021, LifeBack Law Firm decided to change who we were to Minnesotans needing a safe refuge to inquire about bankruptcy and a safe place for employees to work. Looking back at early 2021, even I had little understanding (I am sad to say) just how unsafe the firm was for employees and prospective clients. When we set out to revamp ourselves and promote diversity and inclusion amongst our ranks, the blowback we got was swift, immature, and as insecure as you would imagine. It turns out, for many, unless diversity benefits them, they give diversity lip service. The trouble for them is the firm had no intentions of giving diversity and inclusion lip service. 

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      The Court Filing Says Hoglund Law Removed 229 Google Maps Listings Because They Were False.

      Posted by Wesley Scott on January 15

            A court filing in Hennepin County, MN on September 26, 2023 (court file no. 27-CV-23-12137), claims from 2013 to 2020, Hoglund, Chwialkowski & Mrozik P.L.L.C. n/k/a Hoglund & Mrozik, P.L.L.C. engaged in massive interstate advertising and marketing fraud spanning multiple states on its website, Google map location and lawyer listings, and by its conventional advertisements. 

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      Court Filing Says Hoglund Law Engaged in Massive Interstate Advertising and Marketing Fraud Spanning Multiple States

      Posted by Wesley Scott on January 10

           A court filing in Hennepin County, MN on September 26, 2023 (court file no. 27-CV-23-12137), claims from 2013 to 2020, Hoglund, Chwialkowski & Mrozik P.L.L.C. n/k/a Hoglund & Mrozik, P.L.L.C. engaged in massive interstate advertising and marketing fraud spanning multiple states on its website, Google map location and lawyer listings, and by its conventional advertisements. 

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      Feeling Anxious About Filing Bankruptcy in Minneapolis, MN?

      Posted by Wesley Scott on January 5

           Every single human who ever lived on this planet or who is living on the planet now has felt the emotion of anxiety. Anxiety is a human emotion that helps us in case a wilder beast is about to attack us. It is not so helpful if a wilder beast is not attacking us. 

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