St. Paul Bankruptcy Lawyer
West St. Paul Law Office for Debt Help
Welcome to Start Over Minnesota, your trusted legal partner in St. Paul when it comes to help with debt and bankruptcy matters. We have been helping individuals navigate the bankruptcy process for years, providing personalized solutions to meet their unique needs.
Bankruptcy can be a difficult and emotional process, but our attorneys are here to guide you every step of the way. We focus on bankruptcy services, including Chapter 7 and Chapter 13. Bankruptcy is a powerful tool that offers a lot of protection if you are struggling financially.
We understand that each client’s situation is unique, and we take the time to listen to your concerns and goals before developing a tailored strategy that fits your needs. We also believe in transparency and will explain the entire bankruptcy process to you in a clear and concise manner, so you know what to expect.
We are dedicated to helping our clients achieve financial freedom and a fresh start. Whether you’re struggling with overwhelming debt, facing foreclosure, or dealing with creditor harassment, we have the knowledge and experience to help you find a way out of your financial troubles.
Don’t let the burden of debt control your life. Contact us today to schedule a free consultation with an experienced bankruptcy attorney. We’ll help you explore your options and determine the best path forward. Let us help you take the first step towards a brighter financial future.
What's Going to Happen to My....
If you want to keep your car, in most cases we can make that happen. If it has become a burden and you can live without it, there are other options.
In a Chapter 7 bankruptcy, you may be required to surrender your car if it has equity above the available exemption. However, in most cases, you can keep your car if you continue to make payments on your car loan. In a Chapter 13 bankruptcy, you can often keep your car and continue making payments on the loan while in the bankruptcy repayment plan.
If your goal is to keep and stay in your home, we can almost always make that happen. If you have negative equity or are “upside down” in your home, bankruptcy may be an effective tool to get out of a house.
Your home: In a Chapter 7 bankruptcy, if you have equity in your home above the available exemption, you may be required to sell your home to pay off creditors. However, if you are current on your mortgage payments and the equity is within the exemption, you may be able to keep your home. In a Chapter 13 bankruptcy, you can keep your home and make payments on your mortgage through the repayment plan.
Credit card debt is the primary driver in a lot of people’s decision to file bankruptcy. Whether you file Chapter 7 or Chapter 13, bankruptcy is a very effective tool in helping manage out of control credit card payments.
Your credit cards: In a Chapter 7 bankruptcy, your credit card debt may be discharged or eliminated, but you may be required to surrender your credit cards. In a Chapter 13 bankruptcy, you can keep your credit cards and continue using them, but you will be required to make payments on the outstanding balance through the repayment plan.
In the United States, having any major surgery, illness or injury can result in massive medical debt. Bankruptcy can help reduce or eliminate your medical debt.
Your medical debt: Medical debt can be discharged in both Chapter 7 and Chapter 13 bankruptcies, meaning you will no longer be responsible for paying it. However, it’s important to note that certain medical debts may not be dischargeable, such as those incurred through fraud or malpractice. Our attorneys can help you understand your specific situation and the impact bankruptcy will have on your medical debt.
