Many of my clients are married and have credit cards that at least look like they are joint cards. It can be confusing to figure out which of the two of them is obligated on a credit card.

There are two types of bankruptcy usually used by individuals -- Chapter 7 and Chapter 13. Either can help you deal with your finances. Chapter 13 is a payment plan type bankruptcy, that lets you pay your bills, or a portion of your bills, over three to five years. Chapter 7, on the other hand, wipes out your dischargeable debt without a payment plan, and usually takes about four months.

Minnesota is in the Eighth Circuit, which includes the Dakotas, Nebraska, Iowa, Missouri and Arkansas. Nevertheless, cases from other circuits may be helpful in understanding the law.

The Minnesota Legislature recently passed a small but helpful change in the garnishment law.

Over the years, education loans, medical bills, and mortgage repayments can soon pile up, which can leave you saddled with debt. So to help you avoid making basic errors when dealing with insurmountable debt, Sam Calvert, Attorney at Law, has put together a list of the most common mistakes people make when in debt.