Sometimes life gets harder than expected, and when it does, bankruptcy can still offer a way forward.
This week, we are celebrating a big win for a Minnesota client who had previously filed for bankruptcy. They had made progress after that case, but the challenges of the COVID pandemic brought new financial strain. They found themselves facing more than 30000 dollars in credit card and personal loan debt, along with a car payment of 480 dollars per month that was no longer affordable.
They were not eligible to file Chapter 7 again just yet, but that did not mean they were out of options. With the help of Walker and Walker, they filed for Chapter 13 and got real, long term relief.
$30,000 in Credit Card and Loan Debt Discharged
We filed a Chapter 13 plan that immediately protected the client from creditors. At the end of the case, more than 30000 dollars in unsecured debt was completely discharged.
No more minimum payments. No more high interest. Just peace of mind and a clean slate.
Car Payment Reduced from $480 to $275 per Month
The Chapter 13 case also allowed us to adjust their car loan. Their monthly payment went from 480 dollars down to just 275 dollars. That is more than 200 dollars in savings every month.
That kind of change can make a real difference when every dollar counts.
A Fresh Start with Respect and Relief
This client did everything they could to stay on track, but like many people, the pandemic created setbacks that were hard to recover from. Chapter 13 helped them take back control and create a stable path forward.
They now have lower expenses, freedom from debt, and a better future in reach.
Can You File Bankruptcy More Than Once in Minnesota
Yes, you can. There are required waiting periods between different types of bankruptcy filings, but those rules do not prevent you from getting help. Chapter 13 is often the best choice when someone is not yet eligible for Chapter 7 or needs to lower secured debt payments like car loans.
If You Have Filed Before and Need Help Again
You are not alone. Many people find themselves needing a second round of support, especially after unexpected events like job loss, medical bills, or economic downturns.
At Walker and Walker, we help people across Minnesota use Chapter 13 to get back on track. You will be treated with respect, compassion, and care.
Serving Minneapolis, St Paul, Mankato, Duluth, and all of Minnesota.
