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Farmers and family fishermen: Chapter 12 bankruptcy can help

If you work in agriculture, you may have a farm and support the community through producing products such as wheat or meats. Perhaps you run a family fisherman business, but it only supports you during a few peak months of the year. Whatever the case is, if you are struggling, bankruptcy can help.

Chapter 12 bankruptcy, a relatively new form, is there for people like you when the debts of farm ownership become overwhelming. Chapter 12 bankruptcy is designed for those who are family farmers or fishermen with regular incomes annually. Through this bankruptcy form, you can work through an arrangement to pay back your debts and to have any additional remaining debts discharged at the end of the bankruptcy period.

Credit-card debt damage: Choosing bankruptcy

You always knew that your credit cards were a great way to help in times of crisis, but, over time, they became a crisis of their own. They grew in number and, because you did pay on time, you received high credit lines. You spent on them little by little, but now, they're almost all maxed out and you can barely pay the minimums.

You have no other real debts to your name, but the credit-card debts aren't reducing even when you make payments each month. The interest rates are just too high. Now, with a reduction in your hours at work, you think you'll start missing payments. You don't know what to do.

Handling your underage DWI charge in Minnesota

You aren't 21 yet, but some of your friends are. You went on what was supposed to be a exciting night out with your friends, and then things went an unfortunate and unwelcome direction. You were driving and got pulled over. The officer claimed to have smelled alcohol, and now you're facing charges of driving with a blood alcohol concentration over 0.0 percent while under the age of 21. Minnesota has a policy on underage DWI that limits you to no alcohol in your system whatsoever when it comes to driving.

There are many benefits of Chapter 13 bankruptcy

As you compare the details of Chapter 13 and Chapter 7 bankruptcy, you'll soon come to realize that there are a variety of differences.

With Chapter 13 bankruptcy, you propose a repayment plan to the court. This gives you the opportunity to repay some or all of your debt over the period of three to five years.

Chapter 7 bankruptcy exemptions: How they work

If you're gearing up to file for Chapter 7 bankruptcy, you're probably worried about how much property you're going to lose. In fact, you likely have visions in your mind that involve men in moving trucks coming to empty out your house, and later having your home taken away from you, too.

Fortunately, Chapter 7 bankruptcy exemptions may save you from having to experience something like this. Through various federal and Minnesota bankruptcy rules, you can probably keep a great deal of your personal property.

DWI charges in Minnesota carry hefty penalties

When people drive drunk, they place others on the road at risk. In order to reduce the number of intoxicated or impaired drivers on the road, Minnesota has enacted laws prohibiting impaired driving. Driving while impaired (DWI) is a criminal offense. Depending on the circumstances, a DWI offense could result in a misdemeanor or felony charge. The state of Minnesota looks at several factors, including your blood alcohol content (BAC), the number of previous offenses on your record and whether there were any special circumstances, like children in the vehicle.

The state of Minnesota could bring additional charges or increase penalties against a driver if the BAC measured comes in at 0.16 percent or higher, the accused was transporting minors or has a criminal record of other alcohol-related offenses. Penalties can become quite onerous and could result in the loss of the accused's freedom and livelihood. Many employers choose to include clauses about criminal charges or convictions in work contracts, meaning that getting charged may also mean getting fired. Of course, the criminal penalties for a DWI are more concerning than the social fallout from the charges.

4 reasons people fall into bankruptcy

Bankruptcy is sometimes looked at as a bad word, but the truth is that it can be an immense help to those who need it. Filing for bankruptcy doesn't mean you've failed. It means that you're taking charge of your financial situation and making a change.

There are dozens of reasons why people go into bankruptcy. Your reason may not be one of these, but these are a few common causes.

3 points young families should know about bankruptcy

If your spending got a little out of control or circumstances you couldn't control took a chunk out of your income, you might feel like you are swimming in debt. Bankruptcy is one option that you have to get control of your finances again so that you can start to rebuild your life. Before you make the decision to file for bankruptcy, there are some specific things you should know. There isn't any reason you and your family should have to deal with the constant stress of uncontrollable debt.

Basic questions about assault in Minnesota

An assault charge is very serious legal matter that can have severe consequences. This type of charge can result in probation or even prison time and negatively affect your personal and professional life.

The first step in making sure you are properly defended is to contact a criminal defense attorney. The advice of experienced legal counsel will help you navigate the legal process and court system.


Kennedy & Kennedy Law Office
99 Navaho Avenue, Suite 104
P.O. Box 3223
Mankato, MN 56001

Phone: 507-550-1519
Phone: 507-345-4582
Fax: 507-345-1010
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