CHAPTER 13 BANKRUPTCY

Get Help From An Expert

Personal Bankruptcy Expert — Rochester, MN — Bill Bodensteiner Attorney At Law

While bankruptcy is a legitimate option, it is also true that it is a complicated legal process. There are different types of bankruptcy and knowing which one will be beneficial to you is not always easy. Laws often change, and if you don't know what you are doing, you run the risk of losing some of your rights. Our firm has been helping people solve debt and bankruptcy problems in a friendly, down-to-earth way for more than 25 years.

Chapter 13 Bankruptcy Attorney Serving Rochester & Austin, MN

Hard Times Can Happen

Wondering what the difference between chapter 7 or chapter 13 are. Or perhaps you have been told by another lawyer that you don't qualify for a chapter 7 bankruptcy.

Chapter 13 allows a debtor to keep property and pay debts over time, usually three to five years.  We use a budget based repayment plans within your budget to do this.

Questions to ask yourself are:

  • Do you owe state or federal taxes?
  • Are you behind on your mortgage or vehicle payments?
  • Have you received a sheriff sale notice on your home?
  • Do you have a prior bankruptcy within the past 8 years?

But how do you know which law firm to hire? At Bodensteiner Law Office we are different than the bigger law firms. Many of Bill's clients have used his services since the start of his practice in 1983. We care about your struggles and will offer kindness and compassion. We are a small law firm so when you call you will speak to Bill directly or Gina, his legal assistant.


Because we care about you, Bill doesn't want you to miss work to file bankruptcy and is willing to file your bankruptcy on weekends by prior appointment. Need help gathering tax transcripts, taking credit counseling or getting credit reports. Make an appointment with Gina, Bill’s legal assistant, at the Austin office and she will be happy to assist you with these pre-filing documents. Can’t make it during normal business hours. Gina is available Monday through Thursday for after hour appointments with advanced notice.


Call today for a free consultation and Bill will be happy to answer your questions. 

Austin, MN: (507)437-7686 or Rochester, MN: (507)536-4929

Get Help From An Expert

Personal Bankruptcy Expert — Rochester, MN — Bill Bodensteiner Attorney At Law

While bankruptcy is a legitimate option, it is also true that it is a complicated legal process. There are different types of bankruptcy and knowing which one will be beneficial to you is not always easy. Laws often change, and if you don't know what you are doing, you run the risk of losing some of your rights. Our firm has been helping people solve debt and bankruptcy problems in a friendly, down-to-earth way for more than 25 years.

Commonly Asked Questions Regarding Bankruptcy

  • Document Checklist

    • Name, address, account number and balance from all people or places you owe money (either a list or statements). 
    • If you have been sued in the past year I need documents showing the caption of the law suit.
    • If you have a notice of entry and judgment document, I need that. 
    • Two most recently filed state and federal tax returns or tax transcript from the IRS.
    • Credit Counseling Certificate from debtorcc.org or any other approved agency.
    • Legal description of your home from a deed or abstract (not from a tax statement).
    • Vehicle titles, mileage, loan information and approximate market value.
    • Bank information and inventory for any safe deposit boxes.
    • Recent statement showing the blance of any pension or retirement accounts. 
    • A brief description of any life insurance policies you have. 
    • Addresses you have had for the past three years.
    • Paystubs for each paycheck you receive during the full six months prior to the time that you came in plus the current paystubs for the month in which you file. 

    If you have any further questions, please call us (507) 437-7686

  • Credit Counseling

    https://debtorcc.org/

Share by: