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John Hedtke
About | Practice Areas
Hedtke Law Office
1217 E. 1St Street Duluth, MN 55805» view map
Bankruptcy & Debt
Sensible Debt Solutions

Hedtke Law Office is here to answer your questions and guide you through the bankruptcy process. We work to help you reduce your debt while keeping your personal property.

800-887-8940
1. John Hedtke Duluth, MN
  Attorney at Law - MN, 1985
  William Mitchell College J.D.
2. AboutHedtke Law Office
  Sensible Debt Solutions
3. Practice AreasExpertise
  Bankruptcy & Debt
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Brian Joseph Payne

Litigation, Trademark, Bankruptcy, Personal Injury

Status: In Good Standing

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Forbes, MN 55738

David A. Stromgren

Real Estate, Estate, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 48 Years

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403 North 57Th Avenue West, Duluth, MN 55807

David Allen Stromgren

Real Estate, Estate, Divorce & Family Law, Bankruptcy & Debt

Status: In Good Standing Licensed: 48 Years

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403 North 57Th Avenue West, Duluth, MN 55807

Katrina Maria Viegas

DUI-DWI, Elder Law, Contract, Collection, Divorce & Family Law

Status: In Good Standing Licensed: 14 Years

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227 W 1St St, Duluth, MN 55802

Peter Cosmas Greenlee

Tax, Child Custody, Business Organization, Bankruptcy, Bankruptcy & Debt

Status: In Good Standing

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109 N. 2nd Avenue West, Duluth, MN 55802

Tiffany Rose Doherty-Schooler

Estate Planning, Bankruptcy, DUI-DWI, Juvenile Law

Status: In Good Standing

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424 W. Superior Street, Duluth, MN 55802

John H Bray

Real Estate, Lawsuit & Dispute, Bankruptcy & Debt

Status: In Good Standing Licensed: 34 Years

CONTACT

207 W. Superior Street, Duluth, MN 55802

Dehlia Clair Johnson Seim

Real Estate, Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 20 Years

CONTACT

302 W Superior St, Duluth, MN 55802

Robert Reid Kanuit

Landlord-Tenant, Wills & Probate, Corporate, Bankruptcy

Status: In Good Standing Licensed: 30 Years

CONTACT

302 W Superior St, Duluth, MN 55802

Paul Anthony Loraas

Real Estate, Bankruptcy & Debt

Status: In Good Standing Licensed: 30 Years

CONTACT

302 W Superior St, Duluth, MN 55802

800-923-0641

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LEGAL TERMS

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

FDCPA

See Fair Debt Collections & Practices Act.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

CCCS

See Consumer Credit Counseling Service.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

CREDIT COUNSELING

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Unde... (more...)

Counseling that explores the possibility of repaying debts outside of bankruptcy and educates the debtor about credit, budgeting, and financial management. Under the new bankruptcy law, a debtor must undergo credit counseling with an approved provider before filing for bankruptcy.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

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Alborn Bankruptcy & Debt Lawyer, Minnesota

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Hedtke Law Office

SPONSORED LAWYERS

Brian Joseph Payne

David A. Stromgren

David Allen Stromgren

Katrina Maria Viegas

Peter Cosmas Greenlee

Tiffany Rose Doherty-Schooler

John H Bray

Dehlia Clair Johnson Seim

Robert Reid Kanuit

Paul Anthony Loraas

TIPS

LEGAL TERMS

CHAPTER 13 BANKRUPTCY

REDEMPTION

FDCPA

UNSECURED DEBT

CURRENT MONTHLY INCOME

CCCS

DISCHARGEABLE DEBTS

CREDIT COUNSELING

TRADE DRESS

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