Hoyt Lakes Bankruptcy & Debt Lawyer, Minnesota

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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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2. Email
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Laura J. Ackman

Health Care Other, Health Care, Divorce, Elder Law

Status: In Good Standing Licensed: 26 Years

CONTACT

5211 Highway 110, Aurora, MN 55705

Laura Jane Ackman

Health Care Other, Health Care, Elder Law

Status: In Good Standing Licensed: 26 Years

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5211 Highway 110, Aurora, MN 55705

Douglas J Gregor

General Practice

Status: In Good Standing Licensed: 50 Years

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219 North Main Street, Aurora, MN 55705

Douglas J Gregor

General Practice

Status: In Good Standing Licensed: 50 Years

CONTACT

219 North Main Street, Aurora, MN 55705

Douglas J Gregor

General Practice

Status: Retired Licensed: 50 Years

CONTACT

219 North Main Street, Aurora, MN 55705

John L Holland

General Practice

Status: Suspended Licensed: 64 Years

CONTACT

114 N 3Rd Street W., Aurora, MN 55705

Ronald Clinton Lundquist

General Practice

Status: Retired Licensed: 25 Years

CONTACT

6547 Voyageurs Trail, Aurora, MN 55705

Laurel A March

General Practice

Status: Suspended Licensed: 50 Years

CONTACT

Biwabik, MN 55708

Larry C Minton

General Practice

Status: In Good Standing Licensed: 54 Years

CONTACT

321 Main Street, Biwabik, MN 55708

Thomas H Carey

General Practice

Status: Retired Licensed: 60 Years

CONTACT

6475 White Pine Lane, Gilbert, MN 55741

800-923-0641

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LEGAL TERMS

CREDIT FILE

See credit report.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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.

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.

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.

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Hoyt Lakes Bankruptcy & Debt Lawyer, Minnesota

Sponsored Law Firm

Hedtke Law Office

SPONSORED LAWYERS

Laura J. Ackman

Laura Jane Ackman

Douglas J Gregor

Douglas J Gregor

Douglas J Gregor

John L Holland

Ronald Clinton Lundquist

Laurel A March

Larry C Minton

Thomas H Carey

TIPS

LEGAL TERMS

CREDIT FILE

COSIGNER

GRACE PERIOD

FRATERNAL BENEFIT SOCIETY BENEFITS

401(K) PLAN

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

TRADE DRESS

UNSECURED DEBT

CREDIT COUNSELING

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