Greenlee Law Office represents individuals, couples and businesses in Chapters 7, 11 and 13 Bankruptcy and Workouts.
109 N. 2nd Ave W
Duluth, MN 55802
Bankruptcy - Consumer
Most people know little about bankruptcy, and a common question is "How do I find out my options?" The answer is that a person with financial difficulty should take the time to review all aspects of their financial situation, and speak with a knowledgeable counselor.
Two common types of Consumer Bankruptcy are Chapter 7 and Chapter 13. Chapter 13 Bankruptcy (Reorganization) is a partial repayment of debt, which is employed where there is some, but perhaps not enough money left over at the end of the month to pay debts. This type of bankruptcy aids in restructure of some contracts; partially discharging unsecured debt; and aiding in the cure (catching up) of defaults on secured debts such as motor vehicles and home mortgages. Chapter 13 can also temporarily restructure student loans and child support arrears repayments; and is often employed to resolve tax matters. Chapter 13 payment plans typically extend from 3 to 5 years, and payments are made to the United States Chapter 13 Trustee.
Budgets that have little money left over for creditors, or are "in the red", might require the more common Chapter 7 Bankruptcy (Liquidation). A Chapter 7 Bankruptcy is for consumers who are unable to pay the unsecured creditors, and the purpose is to obtain an immediate "stay" (stopping) of collection activities and, within a shorter period of time, obtain a "discharge" of certain debts. Debtors can choose to voluntarily surrender secured collateral such as motor vehicles, or can keep the collateral by "reaffirming" the debt (become personally liable again). In a Chapter 7 Bankruptcy, the United States Trustee is assigned to liquidate (take from you and sell) any property that is not "exempt" (protected by law). In most cases there exists no (or little) property to liquidate; but each case needs to be evaluated by competent legal counsel to determine the exempt status of property. Please see our Links to US the Bankruptcy Court website for official information, and allow us to introduce ourselves in About Greenlee Law.
Greenlee Law Office offers a free of charge financial consultation. Our goal of the consultation is to obtain information that will allow us to point out your options. We review your budget and inventory your assets and debts. We consult and offer advice on financial matters including second mortgages and consolidation loans. We answer questions and we know the community. We review your individual situation and attempt to offer both bankruptcy and non-bankruptcy suggestions. We listen to your needs and concerns and we understand that bad things can happen to good people. We take the situation as it is, and help you answer the question "Where do we go from here?"
Greenlee Law Office represents individuals and couples in Chapter 7 and Chapter 13 Bankruptcies, and other financial workouts. Attorney Peter C. Greenlee is a member of the Minnesota State Bar Association and the Bankruptcy Section. He has represented consumers in over 2500 Bankruptcy cases in the Bankruptcy Courts of Minnesota, Western District of Wisconsin, and North Dakota. Greenlee Law Office is fully insured and rates are very reasonable with payment plans available in many cases.
To schedule a free consultation, please call or e-mail us in Duluth or Hibbing. Please visit the Links and Forms - "Bankruptcy Consumer Forms" section of this website to download and print forms which will help you prepare for the consultation, and for links to obtaining credit report information. We suggest that the included Links to the US Bankruptcy Court website are the most trustworthy sources for accurate bankruptcy information.
Greenlee Law Office offers a free one-hour consultation, which can be scheduled by e-mail or telephone at our Duluth or Hibbing, Minnesota office. Because most self-employed and small business owners have personal debt mixed with business liabilities, our interview includes a review of personal finances as well as the business. Our intent is to provide you with options for achieving your personal and business needs and goals. We focus on both short and long-range planning. We provide consultation and legal services for liquidation, reorganization, and other non-bankruptcy workouts.
Attorney Peter C. Greenlee is a member of the Minnesota State Bar Association and the Bankruptcy Section, and is fully insured. Our reasonable fees vary with the complexity of the case, and are time based.
The Links and Forms section of this website contains forms that will assist in the consultation, and will aid in data collection if legal representation is necessary. You can order a personal credit report, and we suggest that the included Links to the US Bankruptcy Court websites are the best sources for bankruptcy information. Please allow us to introduce ourselves in About Greenlee Law.
Greenlee Law Office is a a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Northern Minnesota Regional Bankruptcy creditor representation at a reasonable price.
Greenlee Law Office represents individuals, business, and lenders in bankruptcy matters in Northern Minnesota. We offer consultation services on individual cases and represent creditors in adversarial matters as well as motion practice, stand-in counsel, and reaffirmation agreements. Bankruptcy educational services are also available.
Small businesses and institutions require cost-effective and competent representation, and our goal is to provide legal services based upon the timelines and needs of each client. The initial consultation is free, and attorney fees are set-rate for some specific matters, or on a time cost basis. We provide to non-business creditors a free initial consultation to determine needs and options, and likelihood of success.
Our electronic filing services and access to information on-line save creditors time and money. E-mail options and PDF formatting allow for quick and accurate exchange of documents and aid in communication.