BooFest 2015 - St Paul on Grand Ave.

BooFest 2015

Mark your calenders for Saturday, October 10, 2015
There's something for everyone - bring the entire family!   - See more at: https://www.grandave.com/events/boofest#sthash.7NCU6M8z.dpuf

Mark your calenders for Saturday, October 10, 2015
There's something for everyone - bring the entire family!   - See more at: https://www.grandave.com/events/boofest#sthash.7NCU6M8z.dpuf

Mark your calenders for Saturday, October 10, 2015
There's something for everyone - bring the entire family!   - See more at: https://www.grandave.com/events/boofest#sthash.7NCU6M8z.dpuf

Grand Avenue's Annual Fall Celebration
October 10, 2015 - See more at: https://www.grandave.com/events/boofest#sthash.7NCU6M8z.dpuf

Mark you calendars for Saturday, Oct. 10th!
There's something for the whole family!

ValleySCARE - Halloween 2015!

Valleyfair transforms into ValleySCARE
"During the fall, the fun takes a terrifying turn as Valleyfair transforms into ValleySCARE, the upper Midwest’s largest Halloween attraction. With more than 75 rides, attractions and entertainment acts, there is something to satisfy everyone’s devilish desire."

Medical Bankruptcy

A 2007 Harvard study found that nearly 70% of bankruptcy cases are related to medical issues.  With today's high deductibles, the situation hasn't improved.   Illness can mean time off of work and reduced income.  Bankruptcy eliminates medical debt, but only the medical bills that are owed as of the date of filing your bankruptcy petition.  If you are currently running up medical bills you have a couple of bankruptcy options: You can wait until your medical problems are over and then file a Chapter 7 case.  If you can't wait that long, you can file a Chapter 13 bankruptcy case and gain protection from your creditors until you are done incurring the medical debt.  At that point, you may be able to convert your case to Chapter 7 and include all of the medical debt owed at that point.

For more information regarding your specific situation, contact Minnesota Bankruptcy Attorney Gregory J. Wald at 952-921-5802 or at BankruptcyMinn.com for a consultation.  

Best Free Labor Day Events In Minnesota

Best Free Labor Day Events In Minnesota

Start planning your holiday now, as Labor Day is coming up on Sept. 7, 2015. Here are five free parades, picnics, concerts and festivals occurring in Minnesota over the long weekend.

Student Loans in Bankruptcy

In order to eliminate student loans in bankruptcy, it is necessary to sue the lender and prove that it would be an "undue hardship" to be required to repay the loan.  The courts have interpreted this requirement stringently, making it difficult for most borrowers to eliminate their student loans in bankruptcy.  

In March 2015, President Obama directed the US Department of Education and other federal agencies to develop clear standards as to when a person would be considered to have an undue hardship.  This would be beneficial, because people who met such standards could file their lawsuit and not have to worry that it would be opposed.  This would significantly decrease the cost of bringing a lawsuit to prove undue hardship and many deserving people could then eliminate their debts through bankruptcy.  Unfortunately, the US Department of Education forgot who they are working for and instead gave the green light to student loan lenders to aggressively fight student loan hardship discharges.  I urge everyone to let their Congressmen and Senators know how they feel about this.

LET'S EAT! Minnesota State Fair, Aug 27th - Sept 7th

Minnesota State Fair heats up with 50 new foods for 2015
August 27th - September 7th, 2015
The Great Minnesota Get-Together is about to get a lot spicier, thanks to the advent of more than 50 new foods.

HELP! I'VE BEEN SUED!

When credit cards, bank loans, medical bills and other debts become seriously delinquent, the creditors usually send them to a collection agency first.  If the collection agency can't collect the debt, then it may go to a collections lawyer who will sue to collect the debt.  You will know that you have been sued in Minnesota when you receive a Summons and Complaint in District Court or a Complaint in Conciliation Court.  

When you are served with a lawsuit, it is like a slap in the face!  Please don't panic.  There are things that you can do.  If you dispute the debt in a District Court case, you will probably need a lawyer to defend you.  If you dispute a Conciliation Court, you can go to the hearing yourself and explain your reason for disputing the debt to the judge.  If you don't dispute the debt and your debts are otherwise manageable, you could call the collections lawyer and try to make payment arrangements.  If you have other debts, it might make sense to file bankruptcy instead.  A bankruptcy will stop a lawsuit to collect a debt, even after the lawsuit has started.  If the creditor has already obtained a court judgment against you, bankruptcy can stop the creditor from ever trying to collect the judgment against you.

For more information regarding your specific situation, contact Minnesota Bankruptcy Attorney Gregory J. Wald at 952-921-5802 or at BankruptcyMinn.com for a consultation.