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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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

Ronald Clinton Lundquist

General Practice

Status: Retired Licensed: 25 Years

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6547 Voyageurs Trail, Aurora, MN 55705

John L Holland

General Practice

Status: Suspended Licensed: 64 Years

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114 N 3Rd Street W., 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: 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

Laurel A March

General Practice

Status: Suspended Licensed: 50 Years

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Biwabik, MN 55708

Larry C Minton

General Practice

Status: In Good Standing Licensed: 54 Years

CONTACT

321 Main Street, Biwabik, MN 55708

Valerie A. Myntti

General Practice

Status: In Good Standing Licensed: 37 Years

CONTACT

1166 Minnesota Blvd, Ely, MN 55731

800-923-0641

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LEGAL TERMS

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

LIMITED LIABILITY

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or ... (more...)

The maximum amount a business owner can lose if the business is subject to debts, claims or other liabilities. An owner of a limited liability company (LLC) or a person who invests in a corporation (a shareholder) generally stands to lose only the amount of money invested in the business. This means that if the business folds, creditors cannot seize or sell an owner's home, car, or other personal assets.

FCBA

See Fair Credit Billing Act.

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

ACCORD AND SATISFACTION

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collectin... (more...)

An agreement to settle a contract dispute by accepting less than what's due. This procedure is often used by creditors who want to cut their losses by collecting as much money as they can from debtors who cannot pay the full amount.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

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.

LIMITED PARTNERSHIP

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner ... (more...)

A business structure that allows one or more partners (called limited partners) to enjoy limited personal liability for partnership debts while another partner or partners (called general partners) have unlimited personal liability. The key difference between a general and limited partner concerns management decision making--general partners run the business, and limited partners, who are usually passive investors, are not allowed to make day-to-day business decisions. If they do, they risk being treated as general partners with unlimited personal liability.

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.

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Hoyt Lakes Bankruptcy & Debt Lawyer, Minnesota

Sponsored Law Firm

Hedtke Law Office

SPONSORED LAWYERS

Laura J. Ackman

Laura Jane Ackman

Ronald Clinton Lundquist

John L Holland

Douglas J Gregor

Douglas J Gregor

Douglas J Gregor

Laurel A March

Larry C Minton

Valerie A. Myntti

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LEGAL TERMS

MEANS TEST

LIMITED LIABILITY

FCBA

GUARANTOR

ACCORD AND SATISFACTION

MEETING OF CREDITORS

ADMINISTRATIVE EXPENSES

LIMITED PARTNERSHIP

DISPOSABLE INCOME

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