Bankruptcy

Personal, Individual and Joint Bankruptcy

Twin Cities Bankruptcy Attorneys

• Have you missed or are you in danger of missing a mortgage payment, a car payment, or credit card payment?
• Have you received a foreclosure notice from your mortgage company?
• Are you facing repossession of your car?

If you are having trouble paying your bills, it is essential that you get in touch with a knowledgeable consumer bankruptcy lawyer at the Neff Law Firm, P.A. Although the bankruptcy laws changed in 2005, it is still possible for you to file for bankruptcy if you meet certain guidelines. Contact the firm's Edina or Roseville law office today to discuss whether filing for bankruptcy is an option for solving your financial problems.

A Minnesota bankruptcy lawyer at the Neff Law Firm, P.A., will review your income and monthly expenses and discuss your options for ending wage garnishment, stopping a car from being repossessed or preventing home foreclosure. At the Neff Law Firm, P.A., bankruptcy lawyers and staff are devoted to helping clients get back on their feet financially.

How Bankruptcy Can Help People in Debt

The experienced Twin Cities personal bankruptcy lawyers at Neff Law Firm, P.A., assist clients from all over Minnesota who are experiencing debt problems or creditor harassment from lenders, mortgage companies, credit card companies and/or collection agencies. In your initial consultation, we can discuss ways to prevent foreclosure and avoid repossession of your car or property, unfair collection practices, and how bankruptcy can end harassing phone calls and threats from collection companies.

Chapter 7 or Chapter 13 Bankruptcy - Which is Right for Me?

• Chapter 7 bankruptcy is designed for consumers (or businesses) who have had a permanent loss of income and cannot repay the majority of their debt, even if given a longer-term repayment plan. Chapter 7 is often called a liquidation bankruptcy because debtors can discharge many of their debts without any plan for repayment. Chapter 7 bankruptcy offers a fresh start to those in the most serious financial situations.
• Chapter 13 bankruptcy allows the consumer (or business) to reorganize their debts with the goal of paying back some or all of the money they owe over a longer period of time. Fees, fines and interest rates may be reduced greatly to enable the consumer to make smaller payments. In some situations, home mortgages and other secured debt problems can be solved through a Chapter 13 bankruptcy repayment plan.

Minnesota Bankruptcy Lawyers

Money-related problems can have a negative effect on a person's life in many different ways. The experienced Minnesota consumer bankruptcy attorneys at the Neff Law Firm, P.A, help consumers evaluate their financial situation and identify the most appropriate course of action.

• Answers to Common Bankruptcy Questions

Contact a bankruptcy lawyer at Neff Law Firm, P.A., to discuss your specific situation. The firm and its attorneys and staff are dedicated to walking you through the process and explaining how you can regain control of your finances. Flexible appointment times are offered for your convenience at both the Roseville and Edina law offices.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.