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Hoglund, Chwialkowski & Mrozik PLLC - Roseville, MN

Roseville Bankruptcy & Social Security Disability

Our Office Location

Address: 1781 County Road B West
Roseville, MN 55113
Phone: (651) 789-5052

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 Roseville, Minnesota?

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(651) 789-5052

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Our Practice Areas

Roseville BANKRUPTCY ATTORNEY

Ramsey County, MN

BANKRUPTCY

There’s no better place to find a lawyer you can trust than at Hoglund Law’s home office in Roseville. With over 30,000 clients served, Hoglund Law assists with Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, and Debt Settlement. Whether you are just beginning bankruptcy proceedings or simply require credit counseling, we offer the support you need to make a difficult time easy. Let’s start with the basics of bankruptcy.

CHAPTER 7

Chapter 7 bankruptcy can be a good fit for those looking to discharge most unsecured debts, credit card debt, and medical bills. How does it work? After filing, you are granted an automatic stay and the bankruptcy trustee assigned to your case liquidates any non-exempt assets so that rather than paying what you cannot afford, your debts will be covered. While that may sound scary, most clients don’t lose any of their property due to it falling under an exception or not being worth selling.

However, it is important to note that not everyone qualifies for Chapter 7 bankruptcy and that not all debts are discharged through bankruptcy. The first step in discovering whether a Chapter 7 filing is right for you is coming into our Roseville office for a free 30-45 minute consultation where we will be able to advise you on the best steps forward.

CHAPTER 13

After filing for Chapter 13 bankruptcy, a debtor begins making payments on their debt over a three to five year period. Once their payment plan is complete, any remaining qualified debt is discharged and the filer is granted a second chance at financial success. Though it is true that credit scores take a dive after the impact of a chapter 13 bankruptcy, Hoglund Law provides much needed credit counseling to its clients to ensure that the fresh start our clients have worked toward isn’t stopped before it begins.

If you, like other chapter 13 filers, are looking to protect your nonexempt assets while benefitting from debt re-organization, then your next step should be contacting a qualified attorney to assist you. The free 30-45 minute consultation offered at our Roseville office makes that step easy.

DEBT SETTLEMENT

Resolving debt through a legal agreement with the creditors you owe is the name of the game when it comes to debt settlement. If you cannot qualify for bankruptcy but also are unable to pay the amount of debt owed, this path to debt relief can be the strongest tool at your disposal through debt settlement. With an attorney in your corner, this tool becomes even stronger.

Creditors are looking to collect—no surprises there—but when they are faced with a client who cannot afford to pay the amount owed to them, they risk never getting any return on that which they gave. This is a creditor’s nightmare, made worse when the threat of bankruptcy trails behind their debtors.

Rather than risk the debt getting discharged entirely through bankruptcy, a creditor would rather settle the amount owed to get something rather than nothing. Enter, our attorneys who are not only experienced in negotiating debt settlements but are also well-known for their ability to represent clients through bankruptcy. Sometimes, the reputation of our attorney’s bankruptcy code knowledge is enough to lure creditors to the negotiating table—another great reason to take advantage of our free consultation and find out whether debt settlement is the right path for you.

From the Hoglund Law Bankruptcy Blog

Roseville Social Security Disability ATTORNEY

Ramsey County, MN

What is Social Security Disability

Social Security Disability is a two-part system benefiting individuals who are suffering from a physical or mental impairment that inhibits participation in the workforce for a year or more. The first program is called Social Security Disability Insurance or SSDI. SSDI targets people who have contributed to the Social Security system by working five of the past ten years. For those who do not qualify for SSDI, there is an alternative program called Supplemental Security Income (SSI). SSI is designed to allocate relief to low income individuals.

How a Roseville Social Security Disability Attorney Can Help

During an overwhelming time in your life, gaining an ally who is well versed in Social Security Disability law ensures you are approved for benefits in the easiest way possible. With 30,000 satisfied clients, our team of devoted attorneys understand what the SSA looks for before approving a case.

Our Social Security Disability attorneys are skilled in pinpointing the flaws in any given application with a deep understanding of what hinders approval. During a hearing to appeal your case, an attorney can help introduce new compelling evidence, cross examine witnesses, and make legal arguments to defend your case.

Having an ally in your corner substantially aids in navigating the process and ensures you end up with the results you want. Call Hoglund Law for a free case evaluation and take the first step towards gaining the relief you deserve.

Who Qualifies for Social Security Disability

There are two ways to qualify for Social Security Disability. First, applicants may choose to acquire benefits by proving they are incapable of performing substantial gainful activity. A second and less common option is to precisely meet each requirement listed as criteria for approval with a given condition as determined by the SSA.

If you are living in Roseville and experience one of the following conditions, you may automatically qualify for benefits: asthma, anxiety, depression, cardiovascular conditions, speech issues, autism, lupus, etc. For a more exhaustive list of conditions, click here.

To determine which avenue best suits your situation, consult with a trusted Hoglund Law attorney with extensive experience in Social Security Disability law.

Roseville Social Security Disability Attorney

Why Are People Denied Social Security Disability

There are a multitude of reasons the SSA may reject an application, contributing to how common it is for applicants to experience denial. Sometimes the denial is a result of a disqualifying factor but other times, the denial can be quickly reversed.

It is important to note what will disqualify you and what factors do result in ultimate denial. Partaking in fraud, using drugs or alcohol, and refusal to cooperate will likely inhibit your ability to gain access to benefits. To better understand how to avoid denial or appeal your decision, speak with a Hoglund Law attorney right here in Roseville.

How to apply for Social Security Benefits in Roseville

It may seem overwhelming to go about acquiring benefits but it is crucial to file as soon as possible. You can file in one of three ways: in person at your nearest social security office located at 332 Minnesota St N650 St. Paul, MN 55101, online, or over the phone.

Before you apply, you should gather all the necessary documentation to build your application. You will need to provide the SSA with information regarding your last 15 years of employment as well as a complete list of prescriptions you have taken for your condition. Furthermore, you will need the names, addresses, and contact information of any hospitals, clinics and doctors you have utilized for treatment of your condition. Providing this information will aid in constructing an application that shows the impact of your condition.

Sometimes applicants do not collect all the proper documentation which results in a denial of their application. This is commonplace and you should not be discouraged by this possibility because a simple appeal can reverse such a decision.

YOUR LOCAL SOCIAL SECURITY OFFICE

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

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?

It is crucial to not give up right away if you have been denied after initial filing, it is incredibly common. The truth of the matter is, an incredibly high number of qualified, deserving applicants are denied initially simply due to a technicality. The good news is there are opportunities to improve your application and have your case reviewed again. When you appeal your case after a denial, it is crucial to consult with a trusted attorney to ensure you pinpoint exactly what caused your denial and discern the best course of action from there.

Our experienced Social Security Disability team of attorneys is prepared to take on your case and share the crucial insights to change the course of your situation. Through a free case evaluation, you can begin to understand how to develop a stronger case and get approved for benefits.

From the Hoglund law Social Security Disability Blog

About Roseville Minnesota

Located just ten minutes from both St. Paul and Minneapolis, Roseville offers effortless access to the metropolis without bearing the burden of pricey rent and noisy streets. Movers and shakers have been looking to Roseville for decades making Roseville home to the first Target and Barnes & Noble outside of New York City. The first Dairy Queen and Mcdonald’s in Minnesota were also founded in Roseville. With some of the lowest property taxes in the metropolitan area, this town is the perfect place for entrepreneurs.

With a plethora of lakes, the highest number of restaurants per capita in the general area, and a newly renovated shopping center, Roseville is not only a point of access to the Twin Cities but a thriving suburb.

Areas Served: Arden Hills MN, Shoreview MN, New Brighton MN, Mounds View MN, Little Canada MN, Vadnais Heights MN, North Oaks MN, Circle Pines MN, Falcon Heights MN, Lexington MN, Lino Lakes MN, Centerville MN, White Bear Lake MN.