Providing New Beginnings Since 1991
Once my clients make the decision to file for bankruptcy, they are met with a nearly immediate sense of relief.
In a challenging economy, the family finances can be quickly devastated by job loss, medical emergency or divorce. When this happens, it is wise to contact a knowledgeable bankruptcy attorney who can guide you toward a fresh start.
|Credit Card Debt
Credit cards are so easy to use and people have grown so accustomed to paying on them, but that can make the situation worse. When you start paying credit card bills with other credit cards, you are digging a financial hole that will be challenging to escape.
When facing a challenging financial situation, homeowners often consider sacrificing the house payment to pay other bills or buy food. When these decisions start popping up on a regular basis, it is time to contact a skilled lawyer to discuss your options in bankruptcy.
Generally, most taxes won't be forgiven even in Chapter 7 bankruptcy, but it may be possible in certain situations. Many clients find that they are responsible for paying back only a portion of the actual tax debt.
|Wage and Bank Levy Garnishment
When creditors feel as if they might never receive another payment, they may take action such as wage garnishment and bank account levies. If this has happened to you, you need to act fast to contact a skilled lawyer and object to the levy.
|Small Business Bankruptcy
If you are a business owner and your business is struggling financially in this difficult economic climate, you may want to speak to a bankruptcy attorney. It is very common for lenders to insist on personal guarantees for a business.
Once my clients make the decision to file for bankruptcy, they are met with a nearly immediate sense of calm. They can sleep at night. They can answer the phone worry-free. That is the purpose of bankruptcy — to give honest, hardworking Americans a fresh start on their finances.
After filing for bankruptcy, many people are concerned about rebuilding their credit scores and stabilizing their financial futures.
Learn how to benefit from bankruptcy. >>
Born and raised in Big Lake, a small town in central Minnesota, I have gained an in-depth knowledge of the local people and problems they face. Once I completed law school in St. Paul, Minnesota, I decided to stay in this area and open a private practice. For the past 17 years, my fully-accredited practice has almost exclusively served consumers and small businesses in Chapter 7 and Chapter 13 bankruptcies.
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Deciding if bankruptcy is the best course of action can be a difficult decision. Here are some answers to the most common questions that come up. Contact the Law Office of Becky A. Moshier to discuss these questions further or address other concerns.