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Hoglund, Chwialkowski & Mrozik PLLC - Duluth, MN

Duluth Bankruptcy & Social Security Disability

Our Office Location

Address: 228 North Central Avenue Suite 2
Duluth, MN  55807
Phone: (218) 481-0600

Our Office Hours:
Monday – Thursday : 7:00 AM – 9:00 PM | Friday : 7:00 AM – 8:00 PM
Saturday : 9:00 AM – 3:00 PM | Sunday : Closed

Are you Looking for a Bankruptcy Attorney near me or a Social Security Disability Attorney near me in Duluth, Minnesota?

228 North Central Avenue Suite 2
Duluth, MN  55807

Directions
(218) 481-0600

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Andrea Greene – Duluth, MN

They were wonderful and helped me get approved for disability. I greatly appreciate their help!

Ed Neal – Duluth, MN

Absolutely best Bankruptcy attorney . Not just one attorney . you have a team of experts on your side I would highly recommend hoglund law Office to any of my family or friends.

Our Practice Areas

Duluth Bankruptcy Attorney

St. Louis County, MN

BANKRUPTCY

Our former Duluth clients know better than anyone that Hoglund Law is home to attorneys most qualified in handling your Bankruptcy Case. Whether you need Credit Counseling, securing representation for Bankruptcy Proceedings, or simply want to have a better grasp of Bankruptcy Basics, our attorneys are here for you. With no upfront costs and accessible, free consultations directly with our lawyers, taking the first step towards a fresh start could not be easier. Since our inception, we have set 30,000 clients up for financial success, and you could be our very next client.

CHAPTER 7

Filing for Chapter 7 Bankruptcy might be right for you if credit card debt and medical bills are standing in the way of your financial stability. Chapter 7 results in discharging nearly all unsecured debts but there are exceptions including child support obligations and student loan debt. If you meet eligibility requirements, a Bankruptcy Trustee will liquidate your non-exempt assets to pay your creditors.

To ensure your debts are properly reviewed and Chapter 7 is the most effective way for you to obtain financial freedom, schedule a free 30-45-minute consultation right here at Hoglund Law in Duluth. Once you make a consultation, your attorney can move forward with filing, which will immediately allow automatic stay to prohibit creditors from collecting on debt. Pick up your phone to call Hoglund Law today to stop all the debt collection calls as soon as possible.

CHAPTER 13

Upon completing a three to a five-year payment plan, Chapter 13 Bankruptcy can allow you to discharge any remaining debt. This avenue provides for debt reorganization without complete disruption of your ordinary life because your non-exempt assets such as your home or car are protected. While this course of action is more damaging to your credit report due to the amount of time spent in bankruptcy, it does allow you to pay a lesser amount than debt settlement would allow.

Filing demands the aid of a skilled Bankruptcy Attorney first to determine eligibility and then assist the filer through every step until final discharge. To consult with an attorney with three decades of experience, call Hoglund to schedule your free consultation in Duluth.

DEBT SETTLEMENT

Failing to qualify for bankruptcy but still searching for debt relief? Debt Settlement remains a viable option to produce outstanding results in lowering the total amount of debt you owe. Debt settlement, also known as debt negotiation, is a process by which a skilled lawyer mediates directly with your creditors to agree upon a legal resolution that allows you to pay far less of your debt.

It may seem hard to believe that creditors would willingly allow for you to pay less of your debt than you, but this solution is more beneficial to them than the alternative of bankruptcy. If you file for bankruptcy, your debts are discharged, and creditors do not collect anything but with debt settlement, you still pay them a reduced amount.

Our attorneys understand the preferences held by creditors and bring this knowledge to the negotiating table. Not only are creditors more willing to negotiate when you have legal counsel, but when accompanied by an experienced Bankruptcy Attorney, creditors are reminded of the threat to file bankruptcy if a satisfying resolution is not produced. To determine if debt settlement is the most advantageous course of action for you, trust our team at Hoglund Law.

Duluth Social Security Disability Attorney

St. Louis County, MN

What is Social Security Disability

Meant to help people who suffer from a debilitating condition that makes it impossible to work, Social Security Disability deals out benefits from one of two sub-categories to qualifying applicants. The first, Social Security Disability Insurance, is for people who have paid their Social Security taxes and worked long enough to be considered insured. The second, Supplemental Security Income, does not require any sort of employment history but is given only to those who are shown to financially need it. Whether you are applying for either SSDI or SSI, you will need to meet specific medical criteria to qualify and there must be enough medical evidence to demonstrate to the Social Security Administration that you require benefits.

Are you looking to apply for social security disability in Duluth, Minnesota? Then you may want to start here.

How a Duluth SSDI/ SSI Attorney Can Help

Having a qualified Social Security Disability attorney in your corner can make all the difference in getting your claim approved. In fact, it is statistically proven to make an applicant more likely to receive their much-needed benefits. The reason for this is easy to see: an attorney has insight into how the Social Security Administration views and approves applications that applicants who likely have only been through the process once simply do not. Our Hoglund Law Social Security Disability lawyers have over 175 years combined experience which they have applied again and again in assisting over 30,000 clients like you.

To show you just how great a role the Hoglund Law difference can make in your application, we provide a free case evaluation during which many of your questions and concerns will be answered by an attorney. Should you choose to file, our office will be able to assist you.

Who Qualifies for Social Security Disability

Only those meeting certain medical criteria that makes them unable to work qualify for Social Security Disability. If you are suffering from a medical condition that makes it difficult to work and believe you qualify, then it is imperative you meet with an attorney for a free case evaluation.

There is a list of qualifying conditions that the Social Security Administration has put together. While the list included below is not that list in its entirety, it does include some conditions acknowledged as qualifying.

If you live in Duluth, Minnesota and suffer from one of these conditions you qualify for benefits: respiratory illnesses, Sjogren’s Syndrome, AIDS, Lupus, autism, epilepsy, heart failure, IBD, and cancer. A more complete list can be found here.

If you are unsure whether you meet the specific medical criteria that the SSA has outlined or simply have other questions involving your claim, we encourage you to come into Hoglund Law’s office to speak with an attorney who can help.

Duluth Social Security Disability Attorneys

WHY ARE PEOPLE DENIED SOCIAL SECURITY DISABILITY

Due to the sheer amount of applications that the Social Security Administration receives, it is possible to be denied over the smallest of factors—a lack of medical evidence, oversight of specific symptoms, or simply unavailability of the client for contact. While these factors can usually be overcome, some factors automatically disqualify people from receiving Social Security benefits.

If it is unlikely that your condition will last over 12 months, you do not qualify for SSDI or SSI. Any condition lasting fewer than 12 months is considered a short-term disability, however, should your disability last a certain amount of time and should you continue treatment and be able to show the disability will continue, it is possible to apply for reconsideration.

If you use alcohol or drugs, are uncooperative with the SSA or in your treatment, or have a condition arising during or because of a conviction, you will likely be denied as well.

Have You Been Denied SSDI / SSI?

While some people simply do not qualify for SSDI or SSI, if you truly suffer from a condition that prevents you from working, a denial is not a dead end. So many people who should be approved slip through the cracks of the first round of application and are denied. In fact, it isn’t until the opportunity for a hearing is presented to appellants that more people than not are approved.

The hearing allows you to present new evidence, argue how the medical evidence you present culminates in your inability to bring in substantial income, and cross-examine witnesses. All of these things are much easier to do when you are armed with a partner that knows what the SSA is looking for and how they will view your arguments in advance. This is why, if you’ve already been denied SSDI or SSI, we highly encourage you coming into our office before your 60 day appeal window passes for a free consultation. The longer we have to prepare, the greater your chances, so coming in as soon as possible is crucial to your success.

With the offer of a free consultation the only question you need to ask yourself isn’t what do you have to lose, but what will you miss out on if you don’t come in?

How to apply for social security disability in Duluth

You have a few options as to how you would like to apply. You can either apply in person, online or over the phone. To apply in person, simply visit the closest Social Security Administration Office in your area. For those living in Duluth, the nearest social security office is located at this address: 130 W Superior St #400, Duluth, MN 55802.

Before applying you should take the time to gather some information to ensure that you are prepared for the filing. This information includes a fifteen-year record of employer’s names, addresses, and contact information; a list of all doctors, hospitals, and clinics you’ve visited for treatment of your condition; and the names of any prescription medications you’ve taken for your condition.

It isn’t necessary that you have all of this information when you first apply. Applying sooner is more important than being exhaustive as you can update this information as it comes in. Do not delay applying because, in so doing, you are also delaying the time that the first check you will receive will get to you.

Your Local Social Security Office

US Social Security Administration

Address: 130 W Superior St #400,
Duluth, MN 55802

Toll Free Social Security Office:
Phone: 1 (800) 772-1213 or TTY: 1 (800) 325-0778

130 W Superior St #400,
Duluth, MN 55802

Directions

Social Security Office Hours

Monday 9:00am – 4:00pm
Tuesday 9:00am – 4:00pm
Wednesday 9:00am – 12:00pm
Thursday 9:00am – 4:00pm
Friday 9:00am – 4:00pm
Saturday Closed
Sunday Closed
Closed on Federal Holidays.

About Duluth, MN

This booming port city located on Lake Superior provides tourists and residents alike an oasis free of stresses that plague many of our days. A favorite Midwest tourist destination, Duluth boasts numerous cites to visit, including the country’s only freshwater aquarium and the famous Aerial Lift Bridge.

Duluth can be accessed from the Atlantic Ocean through two different waterways, making this port an essential one for coal, iron, and grain. In addition to being an economic hub, this Midwestern city is known for its engaging outdoor activities. Whether dipping your toes in the sparkling water of Lake Superior or bird watching at Hawk Ridge is calling your name, Duluth does not fail to reconnect visitors with their more adventurous side.

Areas Served: Cloquet MN, Hermantown MN, Arnold MN, Elders Corner MN, Esko MN, Munger MN, Arnold MN, French River MN, Palmers MN, Knife River MN.