Friday, September 8, 2017

Phone Calls Offering Free Cruises May be Worth $900

A lawsuit titled Charvat v. Carnival et. al. claims that Norwegian Cruise Lines, Royal Caribbean Cruise Lines and Carnival Cruise Lines gave Resort Marketing Group permission to make recorded “robocalls” offering free cruises. These calls, made between July 2009 and March 2014, violated the TCPA (Telephone Consumer Protection Act).
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Wednesday, June 21, 2017

Bankruptcy and Pets

Meeting with a bankruptcy attorney in Minneapolis or St. Paul for a free consultation to evaluate your options means discussing a lot of information. Pet owners often wonder how going through this process will affect their ability to own and care for their animals. Minnesotans of all kinds file for relief from their creditors every year and keep their dogs, cats, and other pets by their side the entire time.


 First and foremost, tell your attorney about all the animals you have.
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Thursday, April 20, 2017

Strategies to Get Student Loan Debt Under Control, Part 3-Private Loans

According to an article written by Allie Bidwell that appeared in U.S. News on 23 December 2013 titled, “Is the Private Student Loan Market as Bad as it Seems?”, the author analyzed data from the seven largest private student loan providers. What she found out may shock you.  The outstanding balances from the seven largest private loan lenders make up about 6 percent of all outstanding student loan debt.

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Wednesday, April 5, 2017

Strategies to Get Student Loan Debt Under Control, Part 2-State Loans

The Minnesota Office of Higher Education offers the Student Educational Loan Fund (SELF) program to help finance postsecondary education with low-interest loans.  The aim of the program is to provide money to students to get a college education.  The SELF Loan program is not based upon income levels.  This program is offered to those who meet the minimum program requirements and have a co-signer. 


Student can choose either a fixed or variable rate loan under the program.
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Tuesday, March 28, 2017

Top 5 Signs You Should Consult a Bankruptcy Attorney

There were 9,470 bankruptcy cases filed in Minnesota in 2016 according to the United States Bankruptcy Court for the District of Minnesota. Those thousands of cases were all necessary for different reasons: divorce, family illness, business failure, job loss, and death to name a few. A lot of the individual consumer cases also would have had something in common; there were signs of trouble that led to a meeting with a bankruptcy attorney to discuss ways to improve the individual’s or family’s financial situation. The more of the following signs that you see in your own situation, the more likely it is that meeting with a bankruptcy attorney for a confidential consultation will help you get things back on track.


Sign 1: Changing your income tax withholding at work


Individuals who are employees have the ability to tell their employer how many dependents to use to calculate how much state and federal income tax to take out of their paychecks each pay period.
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Monday, March 27, 2017

Strategies to Get Student Loan Debt Under Control, Part 1- Federal Loans

According to, $1.31 trillion in total U.S. student loan debt exists.

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