File For Bankruptcy in North Dakota

Eliminate
    Credit Card Bills
    Medical Bills
    Foreclosure Process
    Wage Garnishment
    Creditor Harrasment
Keep
    Your Home
    Your Car
    Your Wages
    Your Furniture
Get Out Of Debt → Learn More →
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How We Help in North Dakota

The attorneys at UpRight Law help North Dakota residents get out of debt.

If you’re buried in debt in North Dakota, our bankruptcy lawyers want to help. 

We understand that these are difficult economic times for many people, and that it can be hard to find real solutions when you’re focused on crisis management.

To make it as easy as possible for you to get the help you need, we’ve created a system where you can request a consultation and speak with an experienced attorney entirely online. You may even be able to file for bankruptcy online. Request a free evaluation right now.

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Credit Card Debt in North Dakota

The average North Dakota resident has more than $4,000 in credit card debt, which is about 8.7% of the median income in North Dakota. Depending on interest rates and payment amounts, that $4,000 could take years to repay, and end up costing quite a bit more. And, that’s assuming that you’re not adding new charges to the card. If you’re caught in a cycle of minimum payments, watching interest and fees add up and feeling like you’ll never get out from under your debt, it may be time to consider personal bankruptcy. Many people in North Dakota have been able to eliminate credit card debt completely in Chapter 7 bankruptcy. Across the country, about $20 billion in credit card debt is wiped out in bankruptcy each year.

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Stop Creditor Harassment in North Dakota

The federal Fair Debt Collection Practices Act (FDCPA) protects residents of North Dakota and other U.S. states from deceptive and abusive debt collector practices. Unfortunately, many people are unaware of their rights. That’s what the worst debt collection firms are banking on. If you’ve been threatened with arrest or public disclosure of your debts, if you’ve been subjected to harassing phone calls and abusive language, you may have a claim against the debt collector. In some cases, you may even be able to collect money damages from the company that has violated the law. Draw the line when it comes to creditor harassment. Take away the power of dishonest debt collectors by learning more about your rights.

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Chapter 7 Bankruptcy in North Dakota

Sometimes, financial problems become unmanageable and you need a fresh start. The U.S. legislature recognized this, and created options for people who have reached the point where debt is impacting their ability to live healthy, productive lives. Whether the problems arose because of divorce, job loss, medical problems or simply a bad decision or two that started a downhill spiral, help is available. Chapter 7 bankruptcy helps many North Dakota residents eliminate unsecured debt. When the case has been successfully completed, a discharge order prohibits creditors and debt collectors from pursuing payment on the debts that have been discharged. If they violate that order, they may face penalties. If this kind of relief would let you sleep better at night and move forward with purpose during the day, schedule a free consultation right now.

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Filing Chapter 13 Bankruptcy in North Dakota

For North Dakota residents who are struggling with debt but have a lot of secured debt, have valuable assets they want to keep or just don’t qualify for Chapter 7 bankruptcy, a Chapter 13 plan may be the answer. A Chapter 13 repayment plan allows three to five years to catch up on many past due debts through regular, affordable monthly payments. Unlike Chapter 7 bankruptcy, a Chapter 13 plan may allow a homeowner to avoid foreclosure, or a property owner to restructure debt payments while keeping his valuables. If you have regular monthly income to put toward repayment, Chapter 13 bankruptcy may provide the breathing room you need to get your finances back under control. In some cases, some unsecured debt is discharged upon completion of the plan. If you’re ready to learn more, schedule a free case evaluation right now.

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Can Bankruptcy Stop Foreclosure in North Dakota?

In most cases, a Chapter 13 bankruptcy filing can stop foreclosure. The centerpiece of a Chapter 13 case is a three to five year repayment plan, which allows the debtor to catch up on past-due balances over time. For a homeowner who has regular income and can make payments toward arrears, but can’t do so on the schedule the mortgage holder demands, Chapter 13 bankruptcy can take the pressure off. Since an automatic stay typically takes effect as soon as a bankruptcy case is filed, filing for bankruptcy allows many people to avoid foreclosure even after a sale has been scheduled. If you’re facing foreclosure, don’t wait until it’s too late to get the information you need.

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Eliminate Medical Bills in North Dakota

Medical debt can be overwhelming, particularly if you find yourself with large medical bills at a time when you’ve been unable to work due to illness or injury. However, most medical bills are unsecured debt. That means those bills may be dischargeable in Chapter 7 bankruptcy. When medical debt is discharged, you are no longer legally obligated to make payment, and the creditor or debt collector is legally prevented from trying to make you pay. If you’re considering drastic action like taking money out of your retirement account, paying medical bills with credit cards or taking a loan against your house, take time out to learn about how bankruptcy may help you wipe the slate clean.

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North Dakota Wage Garnishment Laws

When wages are garnished, your employer may be required to withhold up to 25% of your disposable income for the benefit of your creditor, though the withholding can’t leave you with less than 40 times the federal minimum wage. If you’ve received notice that your wages are going to be garnished and you can’t afford to lose a chunk of your weekly income, it’s time to learn more about bankruptcy. The automatic stay in bankruptcy can often put an immediate stop to wage garnishment, and the underlying debt may be eliminated entirely in a Chapter 7 case.

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Do You Qualify for Bankruptcy Protection?
Enter Your ZIP Code:

I am really appreciative of the services I received from your team. You worked very hard in getting to the bottom of my situation and were able to resolve my problems in a timely manner. If I ever have a friend or family member in need of these services, I would definitely recommend you to them. Thanks for everything!

Timothy M. Kalamazoo, MI

You did an excellent job in resolving my issue with my pesky creditors. He got me a very nice settlement and he did it in a more than timely manner. Thank you all for the work you all did. It is greatly appreciated.

Malina B. Portland, OR

Our Bankruptcy Attorneys in North Dakota

Our lawyers help people in Bismarck, Fargo, Minot, Williston, Grand Forks and throughout North Dakota regain control of their finances. We know how stressful debt can be, and how that stress impacts every area of your life. Our law firm is dedicated to giving ordinary people who have fallen into difficult circumstances a fresh financial start. Taking the first step is easy: just request a free case evaluation today and sleep better tonight knowing that you’re moving forward.


Paul A. Temanson

Partner

Minot, ND
30 Years of Experience

Paul A. Temanson was raised in Killdeer, North Dakota and graduated from Killdeer High School. He has a Masters Degree in Humanities and a law degree from the University of North Dakota.

Paul was a […]

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Richard Linnerooth

Partner

Fargo, ND
33 Years of Experience

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