If you have hit the point in your financial life where you’re looking to file for bankruptcy, it’s important to consult a legal team. If applicable, many people will file for either Chapter 7 or Chapter 13 bankruptcy with the help of a reputable attorney. However, there are alternatives to filing for bankruptcy, so it’s important to explore all of these options before you file for bankruptcy.

 

Because it can be difficult to know exactly where to start during this process, so you should seek the help of a reputable law firm. With JD Haas & Associates, we can help you with a variety of legal needs, which include bankruptcy, will and estate planning, and more. Here, our experts will discuss alternatives to filing for bankruptcy and how we can assist you along the way.

Alternatives To Bankruptcy

When you file for bankruptcy in Minnesota, you typically file for either Chapter 7 or Chapter 13 bankruptcy. Each of these has its own qualifications, which you can discuss with your lawyer when the time comes. However, there are many other ways to alleviate your debt, other than filing for bankruptcy. Here are all of the additional services our team at JD Haas can offer you:

 

●        Relief From Creditor Harassment

If you are struggling with debt and getting continuous calls from collectors, you have the right to take legal action against them. If you believe you are being harassed, contact our team today. Our team can help you uphold the Minnesota law that protects you against abusive and harassing debt collectors.

●        Defense From Foreclosure

If you are facing an impending foreclosure and have received documents stating that agencies plan to take possession of your home, contact our team today. We will work with you and fully evaluate your case to look for ways to protect you against foreclosure. We will do what we can to ensure you can retain your home and rights.

●        Defense From Garnishment

If you believe your earnings have been unfairly garnished after a court settlement with creditors, contact our team today. Though your creditors have the right to sue you for the debts you owe, they do not have the right to garnish your wages unlawfully. Our team can answer all of your questions and help you find a solution.

●        Protection From Debt Collection

Like any other legal procedure, debt collection has a set of rules and regulations that your collectors need to follow. The Fair Debt Collection Practices Act regulates debt collection actions, and if you believe your creditors aren’t following these regulations, contact our team today.

Contact JD Haas & Associates Today

If you are in the Twin Cities metro area and searching for a team of law professionals to help you navigate the complicated world of bankruptcy, contact JD Haas & Associates today. Our team of lawyers takes the time to fully understand your situation before looking into every possible solution for your needs. To learn more or to schedule a free case evaluation with our team, give us a call at 952-345-1025 or message us on our contact page today.