617 East Main Street, Ste. 2

Anoka, Minnesota 55303

(763) 205-3058

steve@lodgelawoffice.com

 

 
 

It's Time to Take Control                                                                                                                     763-205-3058 

steve@lodgelawoffice.com                                                                                                                                              In historic downtown

Anoka, Minnesota

Providing legal solutions to overwhelming debt

Especially in our poor economy, where jobs are unavailable or pay significantly less, mounting debt can begin to feel unmanageable and overwhelming. At Steven J. Lodge, PLLC, we help you take control of your debt so you can take control of your life.


Bankruptcy services require a lot of information from you. Click  HERE  to download our QUESTIONNAIRE.  It's long, but this is how we get your basic information and begin our analysis. 

We'll also need your current CREDIT REPORT.  You can get one each year for free online.  We recommend www.annualcredit report.com for a no-strings-attached copy.  This is the portal website for the three major credit reporters.  You can print your report; we also recommend that you download a copy in case you need it later.


Chapter 7 bankruptcy (Click to learn more!)
If you and your spouse own few assets and earn smaller wages, Chapter 7 bankruptcy grants you relief from debts through the liquidation of your assets. Because many household and personal items are exempt, you can make a fresh start with limited disruption to your life.


Chapter 13 bankruptcy (Click to learn more!)
If you risk losing your home, you can stop lenders from foreclosing through Chapter 13 bankruptcy. Alternatively, if you and your spouse make higher incomes but sudden illness, job-loss or other unexpected circumstances has interfered with your ability to pay your debts, Chapter 13 bankruptcy permits you to pay debts over time in smaller amounts.


Fees for bankruptcy services — general fee schedule

Our goal remains to provide competent, personalized service to clients who we want back, not for another bankruptcy, but for all their real estate and business legal needs. So we price our services at or less than the typical fee charged by attorneys providing these services, and we are committed to providing better, more personalized service.

Consultation — We charge a $150.00 fee for consultations lasting beyond the initial (free) half-hour. The consultation fee is credited against the fees charged for Chapter 7 bankruptcy services if you retain Steven J. Lodge, PLLC.

Chapter 7 — No Asset/Uncontested (non-self employed) — $1,500.00 plus filing fee ($335.00). If Means Test part 2 is needed, add $250.

Chapter 13 — Uncontested — $3,000.00 for actual bankruptcy services, plus $1,350.00 for pre-petition debt analysis and negotiation to help you avoid bankruptcy, plus filing fee ($310.00). Depending upon your plan payment and other circumstances, often a large portion of your attorney fee can be deferred into the Chapter 13 plan. Additional costs apply if contested issues arise.

Other costs — As part of every bankruptcy the debtor is required to participate in a pre-petition credit counseling class and a post-petition financial management class. These classes are offered online by third party providers who charge fees, usually between $25 and $75 each.