Consult a Bankruptcy Attorney/ Lawyer in St. Cloud, Minnesota

Buying a piece of land or a home is a substantial investment; in fact, for
most Minnesotans, it may be one of the biggest financial transactions of
your life. Read More>>

There are many reasons to have a will.

First and foremost: A will lets you direct how your assets will be handled and who will handle them. If you die without a will, state law will direct who gets what. That may be what you would want, anyway; but it may not be what you want. The law will not take into account special circumstances that only you know. There may be good reasons to leave different amounts of money to different children. And something that may be appropriate in 2020 may not be appropriate in 2025. You can revise and update a will or trust to account for these changing issues. Read More>>

It’s not the most pleasant word in the dictionary, and you certainly would like to avoid it. But bankruptcy serves a useful purpose for society and could, possibly, for you! Read More>>

Chapter 7 is often called a “straight” bankruptcy. A chapter 7 case begins with the filing of a petition with the bankruptcy court. A husband and wife may file a joint petition or they may file individual petitions. If only one spouse owes money, the other does not have to file bankruptcy. Read More>>

Chapter 13 is often called a "wage earner" plan, although it is available to any individual who has regular income from any source, not just wages. So, for example, social security payments or self-employment income will count. Chapter 13 is most often used to save property from foreclosure. So, if your mortgage company has started a foreclosure, we can usually come up with a plan to make the regular mortgage payments which come due after you file and make “catch up” payments during the plan. Read More>>

Sam Calvert has been practicing law in St. Cloud since 1978. He was formerly a member of the private panel of bankruptcy trustees for chapter 7 and a chapter 12 trustee. Read More>>

Sam Calvert has been practicing law in St. Cloud since 1978. He was formerly a member of the private panel of bankruptcy trustees for chapter 7 and a chapter 12 trustee. Read More>>

Sam Calvert has been practicing law in St. Cloud since 1978. He was formerly a member of the private panel of bankruptcy trustees for chapter 7 and a chapter 12 trustee. Read More>>

Chapter 12 is for "family farmers". It is a reorganization bankruptcy, meaning that in a chapter 12 we set the farmer up on a payment plan that lasts between three and five years. Chapter 12 was created to eliminate many of the technical problems of a “regular” chapter 11 bankruptcy. It is similar to a chapter 13 in many ways, although the debt limits of a chapter 12 are much higher, because farming is often a capital intensive business. Read More>>

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