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Bankruptcy Relief in Mankato, MN

Behm Law Group bankruptcy relief in Mankato, MN and the surrounding areas

When the IRS audits you, you defend yourself. When someone offends you, you defend yourself. When you make a mistake, you defend yourself. When someone doesn’t like your individuality, you defend yourself. Why should bankruptcy be any different? It’s highly unlikely you’ve had practice defending yourself in the legal arena of bankruptcy court. Let the bankruptcy attorneys at Behm Law Group, Ltd. handle your case, provide the required defense to your financial situation, and offer you bankruptcy relief.

You might think bankruptcy can cause trauma in individuals. You’d be correct. Sometimes businesses use it as a strategic ploy. Whatever the reason, Behm Law Group, Ltd. specializes in bankruptcy law in the Mankato area, surrounding communities and all of Southern Minnesota. We understand the nuances of bankruptcy law, and we work exceptionally hard for you toward a satisfactory resolution.

At least in most cases where there is a plaintiff and you are the defendant, you know what the specific accusation is. In the case of a Mankato bankruptcy, financial matters may have snowballed outside of your control. Perhaps economic conditions sideswiped you. It happens. The bankruptcy attorneys at Behm Law Group, Ltd. do not focus on you as the cause. Instead, we focus on a best resolution for you with your circumstances in mind.

The reason the highly trained and experienced attorneys at Behm Law Group, Ltd. have had so much practice in bankruptcy law is that you are not alone. Hundreds of people have filed for bankruptcy. We have helped them, and we can help you, too. We practice bankruptcy law, but we focus on people.

Mankato residents and those living in all of Southern Minnesota can expect nothing less than professional and confidential service. We at Behm Law Group, Ltd. take our servant role very seriously. You will come to us with anxiety; you will leave with relief. Call us right now!

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The Wedding Blues: Bankruptcy and Divorce in Mankato, MN

Behm Law Group discusses the complicated relationship between divorce and bankruptcy filings

It’s estimated that 50 percent of marriages in America end in divorce. While that may seem staggering, it’s almost as staggering to realize 50 percent of marriages persevere.

Not surprisingly, some marriages carry on simply because the financial burdens associated with divorce are more unimaginable than the divorce itself. Considering financial problems are one of the biggest contributing factors to marital stress, it’s understandable why the additional stress of a divorce isn’t worth it to some people.

During a divorce, substantial, if not insurmountable, legal fees can be incurred on both sides. A once one household marriage becomes a two household divorce. Shouldering the burden of paying for a residence by oneself is difficult when you’ve been sharing costs. An additional residence can be an incredible additional expense.

If children are involved, the issue of providing child support can prove almost impossible to pay, depending on how many children there are and how much is expected in payment each month. If a parent simply can’t afford to pay child support, the other parent may not be able to make ends meet. It can be a financially precarious situation for both parents involved.

All of these costs associated with divorce may necessitate bankruptcy filing by one or both parties. It can be a very emotional, stressful, and seemingly impossible situation for everyone involved.

We at Behm Law Group, Ltd. are intimately aware of the emotions and despair that can go into a difficult divorce. We understand there are often no easy answers and that a bankruptcy filing can be a depressing reality during a divorce that’s already painful enough. We’ll work with you to get you through the bankruptcy experience with as little disruption to life and with as little stress as possible.

If you’re a resident of Mankato, MN or the surrounding communities, or anywhere in Southern MN and you’re seeking bankruptcy advice due to a divorce or other reason, call on Behm Law Group, Ltd. for assistance.

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The Affordable Care Act and Bankruptcy

Behm Law Group explains the connections between Mankato, MN bankruptcy filings and the Affordable Care Act

As controversial as the Affordable Care Act (ACA) has been over the last, well, forever, it does try to address the growing need in this country for access to affordable healthcare.

Regrettably, the focus ended up being on health insurance rather than the skyrocketing costs of healthcare itself. So now here we are, arguing about whether people should be forced to pay a tax for something they may not want or need to use for years.

However, there’s still an underlying truth about healthcare in America, and it’s something that seems strangely neglected in all the reporting and opining about the ACA.

Namely, medical costs account for one of the most, if not THE most common reasons for bankruptcy filings in America today. Even under the best of circumstances or the most mundane of medical costs, the price tag can be staggering. In instances of serious emergency care, those costs can be absolutely ruinous.

Regrettably, these ruinous costs can be racked up even if somebody has some form of insurance, because not all insurance is alike. More affordable insurance plans, for example, can carry with them deductibles that are just plain impossible for some lower and even middle class families to meet. Even though they technically carry insurance, it’s insurance in name only.

This is one of the cited flaws of the ACA: while it mandates that all Americans must be insured—and even though there are many subsidies available—medical costs are still high enough that even those with insurance (which is to say EVERYONE), may not be able to meet the responsibilities of both their monthly premiums AND an eventual deductible in the event of a catastrophic injury or illness.

Time will tell if the kinks in the ACA will eventually be ironed out or the law is simply allowed to limp along in its current imperfect form. One thing seems certain though: bankruptcy filings due to medical costs is almost guaranteed to be a reality for thousands of Americans annually.

Behm Law Group, Ltd. has expertise in all aspects of personal bankruptcy law, including bankruptcy arising due to medical costs. We understand that bankruptcy is unavoidable in certain instances and we’ll help you navigate the law so you can focus on what’s important: you and your loved ones.

Our bankruptcy law professionals dutifully serve the residents of Mankato, MN and the surrounding communities, and all of Southern MN and we stand ready to assist you to navigate your unique bankruptcy situation. Give Behm Law Group, Ltd. a call today.