Behm Law Group

Struggling with overwhelming debt can take a toll on your peace of mind, but Chapter 7 bankruptcy might offer the fresh start you need. At Behm Law Group , we guide individuals and families through the process of determining whether Chapter 7 is the right fit — helping you understand eligibility and take the first step toward financial relief. What Is Chapter 7? Chapter 7 is often called “liquidation bankruptcy.” It allows you to discharge most unsecured debts such as credit cards, personal loans, and medical bills without a repayment plan — giving you a chance to rebuild your financial future faster than other options. Eligibility Factors Not everyone automatically qualifies for Chapter 7. Your eligibility depends on several key criteria: Income & the Means Test: Your household income is compared to the Minnesota median for your family size. If your income is below the median, you typically qualify. If it’s above, additional calculations examine whether you have enough disposabl...

Losing a portion of your paycheck to wage garnishment can create serious financial strain, making it difficult to cover essentials like housing, utilities, groceries, and transportation. If creditors are taking money directly from your earnings, understanding your legal rights is critical. Bankruptcy may offer a powerful and immediate solution to stop wage garnishment and help you regain control of your finances. In this in-depth guide from Behm Law Group, LTD, you’ll discover how federal bankruptcy protections can provide fast and meaningful relief. One of the most important tools available to individuals facing garnishment is the “automatic stay.” Once a bankruptcy case is filed, the automatic stay can immediately halt most collection actions — including wage garnishment. This blog clearly explains how both Chapter 7 and Chapter 13 bankruptcy work, who qualifies, and how each option can impact your debts, assets, and future financial stability. Whether you need a fresh start through ...