At my Minnetonka, Minnesota office, I have been practicing law in the Twin Cities area for almost 35 years. In late 2005 a "reform" act was passed wh

I know that filing a bankruptcy is the last thing you want to do. You have probably been struggling for a long time to avoid bankruptcy. You might already have refinanced your home in an effort to get caught up, only to find that it wasn't enough - and now your home equity is gone or seriously reduced. You might be desperately using cash advances from one credit card to pay another - robbing Peter to pay Paul - but certainly not getting ahead by doing so. A point comes when bankruptcy become...

I know that filing a bankruptcy is the last thing you want to do. You have probably been struggling for a long time to avoid bankruptcy. You might already have refinanced your home in an effort to get caught up, only to find that it wasn't enough - and now your home equity is gone or seriously reduced. You might be desperately using cash advances from one credit card to pay another - robbing Peter to pay Paul - but certainly not getting ahead by doing so. A point comes when bankruptcy becomes the only viable choice. To their credit, most of my clients have waited way past that point before calling me. If you are wondering whether you file under the new standards, please call me. I am a debt relief agency. I help people file for relief under the federal bankruptcy statute.