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Hoglund, Chwialkowski & Mrozik PLLC - Forest Lake, MN

Forest Lake Bankruptcy & Social Security Disability

Our Office Location

Address: 808 W Broadway Ave.
Forest Lake, MN 55025
Phone: (651) 583-5720

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 Forest Lake, Minnesota?

(651) 583-5720

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Rich Craig – Forest Lake, MN

They helped me with my disability had absolutely no problems everything was very clear I recommend them to anyone.

Brandon Erickson – Forest Lake, MN

Awesome great with people and helped me win my case for disability.

Our Practice Areas


Washington County, MN


If you’re looking for a qualified Forest Lake Bankruptcy Attorney to help you take the first step toward your fresh start, then you’ve found the right place. At Hoglund Law, we believe in helping you seek debt relief in a way that will ensure your fresh start doesn’t turn into a dead end. Well versed in the bankruptcy code and boasting over 29 years of experience, we offer free consultations and home visits alongside the promise of zero upfront fees to get you started. This is because we want the first steps in your new life to be not only stress-free, but also dollar free. For credit counseling and assistance through bankruptcy proceedings, you can count on us.

Forest Lake Bankruptcy Attorney


In addition to eliminating your unsecured and credit card debts, Chapter 7 Bankruptcy helps you find your way to financial freedom by granting you a chance to start fresh. While some debts that you incur cannot be discharged—such as those amounting from child support or student loans—Chapter 7 bankruptcy may still benefit you significantly if your debt is greater than 50 percent of your annual income. Therefore, the next essential step is meeting with a qualified attorney, like the ones you’ll find at our Forest Lake location, to discuss your options. The free 30-45 minute consultation may be just what you need to understand essential bankruptcy basics and begin a new, debt-free, life.


Filing a Chapter 13 means signing up for a three to five-year plan through which you agree to pay off your non-dischargeable debt. While you will still be paying off some of the debt you owe, the amount is usually far less than would be the case if you were to undergo a debt settlement or pay back your debt organically. Further, at the end of the payment plan, any remaining qualified debts will be discharged, including credit card debt and medical bills.

Chapter 13 Bankruptcy plan isn’t the right choice for everyone, but if you’ve previously filed a chapter 7 or do not qualify for one, it might be the right decision for you. The best way to find out is to contact an experienced Bankruptcy Attorney to help you find the best path forward.


Debt Settlement is a less drastic—but still effective—method of securing financial freedom. Instead of discharging your debt, our attorneys work to negotiate with your creditors directly in the hopes of lowering the amount that you would have to pay. The result is a more manageable burden and a smaller impact on your credit report.

Why does it work? Creditors are looking to make money, and when there is a large amount owed, and bankruptcy looms over a debtor, they conclude that making something is better than making nothing. Helping you, suddenly becomes wiser than forcing you to discharge debt that they will then be unable to collect upon.

This is why it is important to determine whether debt settlement is the right choice for you. With 29 years of experience, Hoglund Law knows how to use the shadow of bankruptcy to bring creditors to the negotiating table. During your free consultation, we will be able to identify whether debt settlement is a road worth pursuing to the fresh start you’ve been looking for.

From the Hoglund Law Bankruptcy Blog

Forest Lake Social Security Disability ATTORNEY

Washington County, MN

What is Social Security Disability

Social Security Disability is divided into two programs, designed to administer benefits to individuals experiencing an inability to work due to a physical or mental impairment. If you this sounds like something you are currently or expect to experience, you may qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). SSDI is designed to give benefits to individuals who have worked for a certain amount of time in recent years and have been contributing to the system through Social Security taxes. SSI administers aid to qualifying individuals meeting means tested financial requirements.

How a Forest Lake Social Security Disability Attorney Can Help

Understanding the intricacies of the Social Security Administration (SSA) and how to create an action plan for pursuing benefits is a challenging feat, especially when you are already dealing with the burden of a medical condition. This is where we come in. Our team of Social Security Disability attorneys are armed with decades of experience and understand the necessary components to an approvable case.

With free case evaluations, you have the opportunity to hear the opinion of someone who is dedicated to protecting St. Paul residents from income loss during trying times. If you have already been denied benefits in an initial decision, our attorneys are prepared to guide you through an appeal hearing and ensure your case is as strong as it can be. Do not forgo benefits without having your case evaluated free of cost by one of our attorneys.

Who Qualifies for Social Security Disability

If you are living in Forest Lake and are currently experiencing one of the following work inhibiting conditions, you may be eligible for benefits: mental disorders, musculoskeletal problems, skin disorders, immune system disorders, or digestive tract disorders. The previous list does not display all qualifying conditions but click here for a more complete list.

You may automatically qualify for benefits by meeting the established criteria for a given  condition as determined by the SSA. However, there is another avenue to qualify if you do not reach the rigid requirements the SSA provides. You may also be approved if you can prove you cannot perform substantial gainful activity.

To determine which route is the best fit for you and how to qualify as soon as possible, schedule a free case evaluation with Holgund law and one of our Social Security Disability lawyers right here in Forest Lake.

Forest Lake Social Security Disability Attorney

Why Are People Denied Social Security Disability

People are denied Social Security Disability benefits for a number of reasons ranging from minor issues in medical records to larger, disqualifying factors. Many times, qualified individuals aren’t approved simply because they did not submit ample medical evidence to prove their condition or the SSA did not fully consider the extent of their condition. These minor issues can be remedied through a simple appeal for reconsideration.

Conversely, there are times where certain components will disqualify an individual from benefits. Drug and alcohol use, fraud, short term disability, and previous convictions will likely impact your filing and impede on your ability to qualify for benefits.

How to apply for Social Security Benefits in Forest Lake

Initial filing for Social Security Disability benefits is simple once you have collected all the necessary documentation regarding your condition. If you believe you qualify and are thinking about applying, you will need to gather information including a list of all prescriptions you have taken for your condition and your employment history for the past 15 years. Additionally, you will need all the names, addresses, and contact information for any hospitals, doctors, and clinics you have used for condition treatment.

Once you have gathered most or all of this information, you can apply in person at your nearest social security office is located at 332 Minnesota St N650, St Paul, MN 55101. If you prefer, you may apply over the phone or online.


US Social Security Administration

Address: 332 Minnesota St N650
St Paul, MN 55101

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


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.

Have You Been Denied SSDI / SSI?

If you have gone through the application process only to end up with a denial, you should not lose hope. This is unfortunately usually just part of the journey towards approval. A substantial number of qualifying individuals are not approved for benefits until they appeal their denial and have the opportunity to fully elaborate on their condition in a hearing.

At a hearing, you are granted the opportunity to cross examine witnesses, add evidence to your file, and argue against information that may have caused your denial. The hearing process is not only easier with the help of an attorney but statistics show it actually improves your chances of winning your case. An experienced attorney who knows what goes into a strong case will help prepare your case and defend you in the hearing.

From the Hoglund law Social Security Disability Blog

About Forest Lake Minnesota

Located in the corner of Washington county, Forest Lake provides its residents with the mixture of oasis and adventure. Hundreds of Twin Cities commuters are welcomed home each day with the comfort of the safety and sense of community this suburban town provides. Furthermore, Forest Lake is located in a remarkable school district with top tier educators and stellar curriculum. On top of being notable for economic and academic opportunities, this suburb has no shortage of recreation.

Forest Lake residents can be found horseback riding around the lake, basking in the Minnesota summer sun at a swimming beach in the warmer months, or bounding through a blanket of fresh snow on a snowmobile come December. Forest Lake is 35.5 square miles of remarkable natural land, thoughtfully developed and filled with hardworking Minnesotans. May it be the middle of winter or a beautiful summer day, this town’s ceaseless list of recreational activities will entertain you dawn to dusk.

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