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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

CONTACT

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

CONTACT

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

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

PRIORITY DEBT

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13... (more...)

A type of debt that is paid first if there are distributions made from the bankruptcy estate in a Chapter 7 bankruptcy, and must be paid in full in a Chapter 13 bankruptcy. Priority debts include alimony and child support, fees owed to the trustee and the attorney in the bankruptcy case, and wages owed to employees.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

CREDIT BUREAU

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit... (more...)

A private, profit-making company that collects and sells information about a person's credit history. Typical clients include banks, mortgage lenders and credit card companies that use the information to screen applicants for loans and credit cards. There are three major credit bureaus, Equifax, Experian and Trans Union, and they are regulated by the federal Fair Credit Reporting Act.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

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Alborn Bankruptcy & Debt Lawyer, Minnesota

Sponsored Law Firm

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

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LEGAL TERMS

ADMINISTRATIVE EXPENSES

PRIORITY DEBT

DISPOSABLE INCOME

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

CHAPTER 7 BANKRUPTCY

NONEXEMPT PROPERTY

CREDIT BUREAU

LIABILITY

SECURED DEBT

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