Bankruptcy Attorneys in Worthington, MN
Filing for bankruptcy on your own isn’t easy, but luckily, you don’t have to go through this trying time alone. Behm Law Group, Ltd. can make the bankruptcy process as smooth and stress-free as possible. Bankruptcy attorneys Stephen Behm and Isabelle Lewis-Behm understand the intricacies of filing for chapter 7, chapter 13, and chapter 12 bankruptcies and have practiced law for over 25 years.
Their connection to the Worthington, MN local area goes much deeper than just Stephen’s love of the Worthington’s historic railway, historic Union Pacific Railroad depot, and delicious local Mexican cuisine.
Having built a reputation as a skilled bankruptcy attorney through his experience with private law firms, Stephen has had the opportunity to serve as a judge for the Minnesota Mock Trial Program held at the Nobles County Justice Center right in Worthington, MN. The position gave Stephen the privilege to teach local high school students about the legal system and become familiar with the Nobles County Justice Center. As judge for the Mock Trial Program, Stephen also has many opportunities to work with Worthington area attorneys with whom he still maintains a positive professional relationship. In addition, Stephen and Isabelle enjoy visiting both the Whitney House and Hickory Lodge Bar & Grill when they’re in Worthington. Stephen and Isabelle have also enjoyed going to the Windsurfing Regatta and Music Festival held on and around Lake Okabena during the summer.
Get Expert Advice on Your Bankruptcy Options
In order to help Worthington area residents find relief from their financial burdens, Behm Law Group, Ltd. offers free bankruptcy consultations at your convenience either in the library of the Nobles County Justice Center or in the conference room at the Comfort Suites Motel. During the consultation, we’ll answer all your questions about Chapter 7, Chapter 13, or Chapter 12 bankruptcy and help you decide which option is the right solution for your unique financial situation.
Chapter 7 bankruptcy filings make up the majority of personal filings in Minnesota. This type of bankruptcy discharges most personal debts. To qualify for Chapter 7 protection, you must pass a means test to establish that your income is less than the median income for a household of your size in Minnesota. In Chapter 7, non-exempt assets are subject to sale by a bankruptcy trustee, who will use the proceeds to pay a portion of the debt owed to your creditors. There are exemptions, such as for retirement accounts. Your home and automobile may also be protected.
If you do not meet the means test for Chapter 7, you may be eligible to file under Chapter 13 bankruptcy. With this type of bankruptcy, a debt repayment plan is created whereby you set the amount you are able to pay each month. A bankruptcy trustee receives these payments from you and distributes them to your creditors over a three- to five-year period. During this period of repayment, creditors cannot demand more than the predetermined monthly amount established by the plan, and no late fees or interest apply.
Contact Our Bankruptcy Attorneys for Help Today
Ultimately, filing for chapter 7, chapter 13 or chapter 12 bankruptcy can not only provide real relief from overwhelming debt and creditors, but can also eliminate confusion and stress. We at the Behm Law Group, Ltd. are here to help make filing for bankruptcy easier so you can get back on the path toward financial success. Contact us today to begin your journey towards debt relief.
Learn More about Bankruptcy Proceedings in the Worthington, MN Area:
United States District Court – District of Minnesota
Nobles County Justice Center
City of Worthington, MN