There’s more than one way to file bankruptcy; therefore there is more than one kind of bankruptcy services. Here at Hoverson Law Offices, we offer most of them. Whether you’re filing a personal or business bankruptcy, Chapter 7, Chapter 11, or Chapter 13, we have the knowledge and experience to help you. Michael K. Hoverson has been a bankruptcy attorney for twenty-four years so he’s seen a thing or two in his time. Your situation, though complex, is not unique. We’ve seen it before.Every relationship begins with a first date. That goes for personal, professional, and attorney/client relationships. Before we can determine what you need for bankruptcy services, we’ll need to have an initial meeting with you to assess the situation. This will be a good time to evaluate your financial position, ask questions of one another, and come up with a plan to get you out of the situation you’re in. That plan could involve bankruptcy, but it might not. Many people come to us for the first time convinced that bankruptcy is the solution, but leave knowing there is another way.Your debt is only part of the overall picture we’ll be looking at. Your ability to pay that debt is a factor too. Filing bankruptcy is not a substitute for paying off high bills. Lowering interest rates, asking for settlement offers, and discharging debt that is over seven or ten years old is part of the process too. Your Minneapolis business bankruptcy attorney will look to do that first, before we file any Chapter of bankruptcy for you. You may find once we’re done with that phase that you can handle the debt that’s left.Of course, there are cases where bankruptcy is necessary. That’s ultimately what we’re here to help you with. If we can restructure your debt without a Chapter 7 or Chapter 11 we will, but if not we’ll make sure you get the best terms possible and keep as many of your assets as you can. There’s no reason you need to lose your house, or your car, or your retirement plan. There are ways to protect all of those. As your personal bankruptcy attorneys we’ll go over all your options and make sure you come out of the bankruptcy in better shape than when you walked into it.
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