Debtor Education

Why does it matter if you have good credit? Because the better your credit history and credit score, the better your chances of obtaining a low-cost loan or insurance policy, renting an apartment or qualifying for a job.

If you can improve your credit score just a little, you may be able to qualify for a lower interest rate on a mortgage or credit card, which can save you thousands of dollars in interest payments. You can improve your credit by making simple corrections to incomplete or incorrect information in your credit report. On the other hand, if your credit score is low, you may be a higher credit risk and be subject to paying higher interest rates, getting lower credit limits and being denied credit.

Unfortunately, many consumers do not understand why their credit score and history are significant, nor do they know the simple things they can do to build and protect a solid financial reputation.

What are the steps to understand fully credit and how it affects you? The first step to repairing your credit is to schedule an appointment with Phil Chwialkowski by calling him at 612.791.1766. Phil will take you through the processes that allow you to repair your credit, to create a budget and to rebuild your credit.

We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.

This website is for informational purposes only. The information on this website should not be interpreted as legal advice.

* Home visits are typically available within a fifty mile radius of the major metro areas. The Bottom Line is that you will not spend a ‘dime’ out of pocket for our law firm to represent you. The only way our law firm gets paid any money is if you get back back benefits. Out of the back benefits, the Social Security Administration withholds 25% of that and sends it directly to our office to pay your Attorney’s Fees. You keep the remaining 75%. 99% of our clients that win their claim receive a back benefits check from Social Security. The average back benefits check paid to our clients is about $6,000 – $9,000. Now, if you receive back benefits that amount could be more or less depending on an individual’s case. Remember this is only an example, but it is likely that you will receive some money for back benefits if we won your case.

**Filing fees to the U.S. Bankruptcy Court have to be paid up front at the time your petition is filed. Chapter 7 $306. Chapter 13 $281.

***For Chapter 7, a guarantor of attorney fees is required for the $0 down payment plan.

“Typically we can help clients with financial difficulties. However, results may vary.”

We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code. This website is for informational purposes only. The information on this website should not be interpreted as legal advice. * Home visits are typically available within a fifty mile radius of the major metro areas. The Bottom Line is that you will not spend a 'dime' out of pocket for our law firm to represent you. The only way our law firm gets paid any money is if you get back back benefits. Out of the back benefits, the Social Security Administration withholds 25% of that and sends it directly to our office to pay your Attorney's Fees. You keep the remaining 75%. 99% of our clients that win their claim receive a back benefits check from Social Security. The average back benefits check paid to our clients is about $6,000 - $9,000. Now, if you receive back benefits that amount could be more or less depending on an individual's case. Remember this is only an example, but it is likely that you will receive some money for back benefits if we won your case. **Filing fees to the U.S. Bankruptcy Court have to be paid up front at the time your petition is filed. Chapter 7 $306. Chapter 13 $281. ***For Chapter 7, a guarantor of attorney fees is required for the $0 down payment plan. "Typically we can help clients with financial difficulties. However, results may vary."