How to Postpone the Sheriff’s Sale: Minnesota Statutory Postponement of Foreclosure Sale
In Minnesota, homeowners can apply for a postponement of the sheriff’s sale scheduled in a foreclosure process. So long as the...
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Lynn Wartchow
- Aug 27, 2013
- 2 min
Condo, Townhome and HOA Association Liens in Minnesota
In Minnesota, if you have unpaid condominium or townhome association assessments—which are often called “HOAs”—these unpaid amounts...
Lynn Wartchow
- Jun 26, 2013
- 2 min
What the Supreme Court Decision Overturning DOMA in United States v. Windsor Means for Bankruptcy La
In a 5-to-4 decision in United States v. Windsor, the U.S. Supreme Court ruled today that married same-sex couples are now entitled to...
Lynn Wartchow
- Jun 25, 2013
- 2 min
Converting from Chapter 7 to Chapter 13: What’s Involved and Why Would You Convert?
Conversion to Chapter 13 from Chapter 7 isn’t a death sentence for your bankruptcy case (see Chapter 13: Not Always a Gloomy Diagnosis in...
Lynn Wartchow
- Feb 15, 2013
- 3 min
What Happens after the 341 Meeting of Creditors is Over?
The answer to this depends on whether you have filed Chapter 7 or Chapter 13 bankruptcy. (Chapter 11 individual debtors also are required...
Lynn Wartchow
- Jan 16, 2013
- 3 min
Chapter 11 Bankruptcy: Can it Stop Eviction under a Commercial Lease?
(For other detailed discussions on chapter 11 procedure, common issues and more, be sure to read Wartchow Law’s Chapter 11 Blog.) As for...
Lynn Wartchow
- Jan 2, 2013
- 2 min
How Are Non-Dischargeable Debts Treated in a Chapter 13 Bankruptcy?
Non-dischargeable debts are those few categories of personal liabilities which can never be discharged in either form of Chapter 7 or...
Lynn Wartchow
- Dec 12, 2012
- 2 min
Will My Assets Be Protected in Bankruptcy? What Are the Bankruptcy Exemptions?
Most people who file for bankruptcy are able to protect most if not all of their assets, including cash bank accounts, household goods...
Lynn Wartchow
- Nov 30, 2012
- 3 min
Homeowners Associations and Bankruptcy: How Does Bankruptcy Affect My Condo or Townhome and My Assoc
The prevalence of condo and townhome development in the mid-2000s throughout Minneapolis and the suburbs was hit especially hard by the...
Lynn Wartchow
- Nov 15, 2012
- 3 min
Managing the Business During Chapter 11: Reporting and Other Requirements
When a business files Chapter 11, it becomes a “debtor-in-possession” of its own affairs as a fiduciary to the bankruptcy estate. What...
Lynn Wartchow
- Oct 31, 2012
- 2 min
Bankruptcy and Divorce: Some Payments in a Divorce Decree May be Dischargeable in Chapter 13
The rule of thumb is that bankruptcy will discharge most unsecured debts that are not taxes or domestic support obligations (which are...
Lynn Wartchow
- Sep 19, 2012
- 2 min
What is the Median Income in Minnesota and How Does is Factor into Chapter 7 Bankruptcy?
Qualification for Chapter 7 bankruptcy is largely determined by comparing one’s household income to the median income for their state....
Lynn Wartchow
- Sep 4, 2012
- 2 min
What is Individual Chapter 11 Bankruptcy and Why Would I File an Individual Chapter 11?
The vast majority of individuals who file bankruptcy chose to do so under either Chapter 7 or Chapter 13, which are the most common forms...
Lynn Wartchow
- Aug 15, 2012
- 2 min
What are the Debt Limits for Chapter 13 Bankruptcy?
Click here to see the current Chapter 13 Debt Limits effective April 1, 2016 and valid through 2019. As of the date of this post, the...
Lynn Wartchow
- Aug 6, 2012
- 3 min
What Should I Expect at the 341 Bankruptcy Meeting of Creditors?
If you have done basic research into the bankruptcy process, you will know that about one month after filing a bankruptcy petition and...
Lynn Wartchow
- Jul 24, 2012
- 3 min
Foreclosure in Minnesota: Know the Process, Timeline and How Bankruptcy Can Help
Home foreclosures in Minnesota are common and arguably are even on the rise despite an improving real estate market. In April 2012, the...
Lynn Wartchow
- Jul 10, 2012
- 2 min
What is the “Means Test” and Why Does it Matter in Bankruptcy?
The “Means Test” was one of the major and most controversial additions to consumer bankruptcy law that occurred as part of the 2005...
Lynn Wartchow
- Jul 3, 2012
- 2 min
The Fair Debt Collection Practices Act and How It Protects You
The Fair Debt Collection Practices Act (“FDCPA”) is pro-consumer legislation that was originally enacted in 1978 for the purpose of...
Lynn Wartchow
- Jun 21, 2012
- 2 min
What is the “Credit Counseling” Requirement to File Bankruptcy?
A credit counseling course must be completed before an individual can file bankruptcy. This course basically goes through your budget and...
Lynn Wartchow
- Jun 7, 2012
- 2 min
Common Reasons for Filing Chapter 13 Bankruptcy
For some people, the bankruptcy code and rules may dictate that you simply do not qualify for Chapter 7, in which case the alternative is...
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