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Minnesota Money Help

Minnesota Money Help – You Have Options

Debt Negotiation — Fair Debt Collection Protection Act —  Bankruptcy Protection

If you are facing financial troubles, Nicole Anderson very likely has a solution that will fit your needs. Nicole has helped hundreds of clients just like you work through home foreclosures, wage garnishments, fixing errors on credit reports, negotiating down debt WITHOUT filing bankruptcy, as well as helping people take advantage of the protections offered by Chapter 7 and Chapter 13 bankruptcy when necessary.

Be Wary of Credit Consolidation & Counseling Companies

At it’s most basic level, credit consolidation is a great idea; meaning if you have several high interest rate debts and can roll them in to one lower interest rate debt, that would be a great help to people struggling with credit card debt. However, the credit counseling and consolidation industries are not as regulated as they should be, and many people have been burned by up-front fees, false promises and not getting their desired results. Many of these companies operate on a nationwide basis and have zero face to face contact. That means that when something goes wrong, you have very little recourse to try to make it right or hold the company accountable.

How is Nicole Anderson Law, LLC Different?

When you work with Nicole Anderson Law, you’ll have an attorney with extensive experience working in the financial arena advocating for you. We are bound by law to act ethically and ensure that we are working towards the best possible solution for you. We are a local Minnesota law firm who are highly regulated by the Minnesota Bar Association. You will have an honest assessment of your situation and options for moving forward and we are able to provide a wide variety of solutions with great results.

  • Debt Negotiation can reduce the amount you owe to credit cards or other debtors, sometimes by as much as 80%.
  • If you’re being harassed by creditors, we can sue them under the Fair Debt Collection Practices Act and if we can prove that they are breaking a law (calling too late, too frequently, using threatening or harassing tactics) they will have to pay you.
  • If you are facing a home foreclosure or can not keep up with the minimum payments on your cards, protection under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code can eliminate your debt or dramatically reduce your interest rates.

Debt-Related Services Offered Throughout Minnesota:

Debt Negotiation

  • In some cases, debt negotiation can be a useful alternative to bankruptcy.  Debt negotiation can be as effective in reducing fees and interest charges to nothing, and often the balance can be negotiated as well.  Credit card companies are aware that bankruptcy is an option for consumers, so they are willing to “play ball” a little bit to help avoid that from happening.  While credit card companies will usually recover some small percentage of your balance in a Chapter 13 Bankuptcy, but will typically recover zero dollars in a Chapter 7 bankruptcy.  

Fair Debt Collection Act

  • If you are being harassed by debt collectors, we can help you.  There are strict laws about how often and how late a debt collector can call.  If you think you are receiving calls or letters that are breaking the rules, we can help.  The Fair Debt Collection Act is a powerful tool against aggressive collection agents.  Call or email us today to set up a time to talk to Nicole about how we can help.

Filing for Chapter 7 or 13 Bankruptcy

  • In many cases, bankruptcy simply is the best option.  The protection offered under the U.S. Bankruptcy Code is very powerful and can help people out of even the most dire financial situations.  Most people who file bankruptcy feel a great sense of relief, and the most common regret is simply NOT having contacted a bankruptcy attorney earlier.

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Free Consultation - Contact Us Today

You can start your path towards financial relief by speaking with Nicole, an experienced bankruptcy attorney, who will help you understand the options for protection available to you under the U.S. Bankruptcy Code. Contact us now to get started.