When considering bankruptcy, it’s important to be sure that you have the facts straight! There are a lot of myths and misconceptions out there regarding bankruptcy, from what it implies about the person filing, to how the process works. At Hedtke Law Group, we don’t want you to let the myths keep you from solving […]

Have you recently pulled your credit report, only to discover inaccuracies? Have debt collectors been calling you about accounts you’ve already paid or debts that were discharged in an earlier bankruptcy? If so, you have the right to request that these errors and omissions be corrected. There are different types of consumer credit reporting agencies. […]

If you are overwhelmed by calls from creditors and terrified of your house being foreclosed, bankruptcy might be the right option for you. Many people cringe when they hear the word “bankruptcy.” They think of it as a sign of failure. But it isn’t! At Hedtke Law Group, we think of bankruptcy as a fresh […]

If you’ve filed bankruptcy, you may feel as though your financial future will be in shambles forever, but that’s not the case. Filing bankruptcy is a way to get a fresh start, and it can be especially helpful if medical bills or other unexpected expenses were an albatross preventing you from living your best life. […]

If you’re finding it difficult to meet your monthly bills and your debt looks daunting, it may be tempting to consider filing bankruptcy. However, there are some things to consider before taking that big financial step. Is bankruptcy right for you? 1. Is Chapter 7 or Chapter 13 the best option? If you have assets […]

Chapter 13 is a different approach to bankruptcy, because those who file create a repayment plan based on their income. Rather than erasing their debt, they restructure it to fit their existing financial needs. There are many benefits to filing Chapter 13 because it allows those who choose this avenue to keep their property. It […]

While filing for bankruptcy is made as simple a process as possible for a person whose debt has become unmanageable, things behind the scenes are a little more complex. When a person files for bankruptcy, a debtor’s assets are turned into what is known as a bankruptcy estate, which becomes a separate legal entity from […]

If you are filing either a Chapter 7 or Chapter 13 bankruptcy, after you meet with your attorney and go over all your financials, another meeting will be held to give creditors an opportunity to determine how much – if any – money they are going to recoup after you file. Named because the meeting […]

If you’re swamped with bills but are worried that filing bankruptcy might have a negative impact on your credit score, it’s important to think about what might be happening to your score right now if you aren’t able to cover your current expenses. If you are struggling to pay your bills, your credit is taking […]

Declaring bankruptcy can be incredibly stressful, and many people who do it can feel as though they have let themselves and others down. However, it is essential to remain positive, and focusing on the advantages that filing for bankruptcy brings can help lift a person’s spirits and enable them to see that they’ve made a […]