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Hoglund, Chwialkowski & Mrozik PLLC - Rochester, MN

Rochester Bankruptcy & Social Security Disability

Our Office Location

Address: 1500 1st Ave NE #110e,
Rochester, MN 55906
Phone: (507) 405-5290

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 Rochester, Minnesota?

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Our Practice Areas

Rochester BANKRUPTCY ATTORNEY

Olmsted County, MN

BANKRUPTCY

Here at Hoglund Law, we have devoted the past three decades to perfecting our practice of delivering fresh starts. Rochester residents find an ally at Hoglund to better understand Bankruptcy Basics, obtain credit counseling, and navigate the intricacies of their Bankruptcy Cases. Finding a lawyer with expansive knowledge of the Bankruptcy Code has never been easier with our free consultations and no upfront costs. Finally having peace of mind and being one step closer to financial freedom is only a phone call away.

Rochester Bankruptcy Attorney

CHAPTER 7

Chapter 7 Bankruptcy has many benefits such as discharging most unsecured debt, including medical bills and credit card debt as well as immediately obtaining automatic stay which protects you against creditors collecting on debt. Typically, with this type of filing, debtors even retain possession of their belongings and property.

While there is much to be gained through this course of action, there are some debt exclusions, and not everyone is eligible for Chapter 7 Bankruptcy. Some debts, such as student loan debt or child support obligations will remain your responsibility even after Bankruptcy proceedings conclude. It can become challenging to weigh the pros and cons and ultimately decide if Chapter 7 Bankruptcy is the most advantageous route for you. Our experienced and valued attorneys are equipped with the dedication and knowledge crucial to guiding you through this process.

CHAPTER 13

Chapter 13 Bankruptcy is an appealing option if you wish to protect your non-exempt assets from Bankruptcy Court, fail to qualify for Chapter 7 Bankruptcy, or want to reorganize your debts while avoiding significant disruption to your life. Because Chapter 13 Bankruptcy pursues debt relief through a three to five-year payment plan, it does have more of an impact on your credit report and consequently might not be the best option for everyone.

Determining if Chapter 13 can swiftly put you back on your feet and towards financial security, it is necessary to schedule a free consultation with one of our qualified Bankruptcy attorneys right here in Rochester. If you wish to have an ally right by your side through your Bankruptcy Case, call Hoglund Law today.

DEBT SETTLEMENT

Debt Settlement remains an option for those who do not qualify for Chapter 7 or Chapter 13 Bankruptcy. This approach includes the negotiation between an experienced Bankruptcy Attorney and your creditors to lower the amount of debt you owe.

Debt settlement still requires you pay off your new, reduced debt after a negotiated resolution is produced, but your debt is more manageable after this process is completed. Having an attorney equipped with expertise in negotiation at the table for you is crucial in producing a result that benefits you most. Our attorneys understand that creditors would prefer you pay a reduced debt through debt settlement than your debts be discharged through bankruptcy. As a result, most creditors are willing to compromise and make your debts manageable. Obtaining the necessary representation to make debt settlement worthwhile is as simple as scheduling a free consultation right here at Hoglund Law.

From the Hoglund Law Bankruptcy Blog

Rochester Social Security Disability ATTORNEY

Olmsted County, MN

What is Social Security Disability

Social Security Disability is a tool meant to assist those who are disabled and cannot work. The Social Security Administration oversees and administers benefits to people filing one of two claims: SSI and SSDI. Supplemental Security Income (SSI) is for disabled applicants that demonstrate financial need while Social Security Disability Insurance is for applicants who have worked long enough and paid their Social Security taxes. Regardless of which you apply for, you must meet certain medical criteria to be approved and possess the evidence to demonstrate that you meet said criteria.

How a Rochester Social Security Disability Attorney Can Help

Applying for Social Security Disability can be a confusing task. For one, there is a lot of information that needs to be gathered and, for another, many applicants who should be approved are initially denied. The process of appealing the case and of filling in the blank spaces the SSA has identified in a file is a burdensome and confounding process for several people. Luckily, out Hoglund attorneys have what it takes to make the difficult and mundane work simple.

The best part? We offer a free case evaluation to alleviate some of the worry right off the bat—answering your questions and concerns with the best legal advice available. You can rest assured that, should you choose to file with us, your claim will be treated with every ounce of diligence that you experience during that consultation.

Who Qualifies for Social Security Disability

You must meet the SSA’s definitions of disabled in order to receive benefits, which begs the question: what is their definition of disabled? There are certain medical criteria depending on your condition that you must meet and the Social Security Association provides an outline of what that is to attempt at clarity for applicants. While we cannot possibly list all criteria for all conditions recognized by the Social Security Administration in this paragraph, a fuller list can be found here and during your free case evaluation an attorney will speak with you about what you specifically need to get approved.

If you live in Rochester and meet the SSA’s criteria for one of these conditions, then you qualify for Social Security Disability: schizophrenia, musculoskeletal problems, skin disorders, immune system disorders, digestive track disorders, speech and sense issues, cardiovascular conditions, neurological disorders, etc.

Again, this is by no means an exhaustive list, and to get case specific questions answered it is best to meet with a qualified attorney for a free case evaluation.

Rochester Social Security Disability Attorney

Why Are People Denied Social Security Disability

The most common reason that we see for denials from the Social Security Administration involves a lack of medical evidence supporting the claim. This is why it is essential that throughout the process of applying and waiting for approval you continue to seek treatment. However, there are certain factors that will result in an almost immediate denial from the Social Security Administration.

Drug and alcohol use is a factor that the SSA puts a lot of weight in. SSI and SSDI is for people unable to work due to a condition that is out of their control—if you use alcohol or drugs and they play even the slightest role in your health, the SSA will likely determine that your condition wouldn’t be as debilitating if you were to simply halt use of these substances. Rather than give precious resources to you, then, they will give them to someone they believe truly needs help.

Any conditions arising or worsening during imprisonment from a conviction will often disqualify you as well, at least until release, from receiving benefits. If your condition was worsened or created while committing a felony you will also be automatically disqualified.

Other factors that will negatively impact your application include a refusal to cooperate, fraud, a short-term disability lasting fewer than 12 months, and the inability to be contacted by the SSA.

How to apply for Social Security Benefits in Rochester

You can apply for Social Security Benefits by either visiting your local Social Security Administration Office or going online. The local SSA office for residents of Rochester is 2443 Clare Ln NE #100, Rochester, MN 55906.

Before applying, however, you will need to gather information including a list of all employers covering the last 15 years; any and all prescription medications you’ve taken for your condition; and any and all clinics, hospitals, and doctors that you have seen in relation to your condition. While it is important to be as thorough as possible to get approved by the Social Security Administration, it isn’t important that you have all of this information when first applying. It is of far greater import that you apply as soon as possible to ensure that you are able to receive your first check quickly. Information can be added as it comes in.

YOUR LOCAL SOCIAL SECURITY OFFICE

US Social Security Administration

Address: 2443 Clare Ln NE #100,
Rochester, MN 55906

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

2443 Clare Ln NE #100,
Rochester, MN 55906

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.

Have You Been Denied SSDI / SSI?

Don’t miss your chance to appeal the decision and don’t get discouraged; most applicants are initially denied. In fact, it is only at the hearing, where you can bring in additional evidence, cross examine witnesses, and make additional arguments, that applicants are more likely than not to be approved.

It can be frustrating to be met with a denial, and even more frustrating to have to continue seeking treatment with doctors while you wait. This is why we want to help. We offer a free case evaluation to would-be clients. This evaluation is your chance to speak with a qualified and knowledgeable lawyer who can answer your questions about why you were likely denied and what can be done to fix the application. Should you choose to be represented by us, we will also fight to ensure that your claim isn’t wrongly denied.

From the Hoglund law Social Security Disability Blog

About Rochester Minnesota

Located in Olmsted county alongside the Zumbro River, this 54 square mile city has gained national attention for the quality of life it provides to its 114,011 residents. Thoughtfully executed, the city of Rochester strives to provide each city dweller with excellence in everything from social community to cultural inclusion.

3500 acres of park and 85 miles of paved trails lie within the city of Rochester, drawing residents out to explore the wildlife that expands throughout the city. This midwestern city draws talent from across the world to the renowned Mayo Clinic, shattering expectations and making medical advancements that impact us all. Adding to the academic excellence of the city, Rochester is also home to The University of Minnesota- Rochester as well as nearly a dozen other colleges and universities. While many are drawn to the city for academic and career opportunities, they stay for distinguished livability.

Areas Served: Rochester MN, Douglas MN, Salem Corners MN, Stewartville MN, Pleasant Grove MN, Simpson MN, Marion MN, Chester MN, Oronoco MN, Chester MN.