Hoglund & Mrozik P.L.L.C. - St. Cloud, MN

St. Cloud Bankruptcy & Social Security Disability

Our Practice Areas


Stearns County, MN


Hoglund Law is home to the trusted and qualified Bankruptcy Attorneys that can provide you with the debt relief you have been searching for. We stand with our clients, tailoring our services to their needs until they have hit the reset button on their financial life. With a deep understanding of the Bankruptcy Code, we can provide you with the services you need from credit counseling to navigating bankruptcy proceedings. Your first step towards financial freedom is as easy as a 30-minute free consultation with one of our Bankruptcy Attorneys right here in St. Cloud.


Chapter 7 Bankruptcy is the most common approach to obtaining a fresh financial start. When executed with the help of a qualified attorney, most unsecured debts, including medical bills and credit card debt, are eliminated. However, eligibility and which debts that qualify to be discharged add complexity to the filing process. Because some debts such as child support obligations and student loans are not discharged, it is crucial to accurately and efficiently navigate the filing process. Additionally, as soon as you file, you will be granted automatic stay, which prohibits creditors from taking actions against you. When deciding if Chapter 7 is the right course of action for you, it is necessary to have the aid of a trusted and experienced lawyer, like the ones you will find in the Hoglund Law office in St. Cloud.


Filers of Chapter 13 bankruptcy enjoy the benefit of preserving the many norms of their everyday life while still pursuing debt relief. Through a three to five-year payment plan, you can protect your assets such as your house or car, while making reasonable payments to your creditor. Through this type of bankruptcy, you still pay off your debt, but the total owed tends to be lower than it would be through the debt settlement route.

Chapter 13 could be the best selection for you but navigating the ever-changing Minnesota bankruptcy laws demands the assistance of an attorney with high levels of experience. Determining if Chapter 13 bankruptcy can relieve you of financial burden, schedule a free consultation right here in St. Cloud with one of our Bankruptcy Attorneys.


Debt settlement is an alternative route to debt relief if you do not qualify for bankruptcy. Debt settlement is pursued through direct negotiation between creditors and your representation. Our attorneys at Hoglund Law utilize their expansive understanding of debt negotiation to mediate and lower the amount you owe to a creditor. Lowering the amount you owe increases the feasibility of repayment and may be more beneficial to your credit report.

This course of action is often times very impactful because creditors are willing to negotiate. With the potential threat of you declaring bankruptcy which would result in your debts being discharged, creditors want to find a way to make your debt payable.
Having skilled representation is essential in creating a mutually beneficial resolution between you and the creditor. Our attorneys have vast experience dealing directly with creditors, understanding their motivations, and fighting for resolutions that benefit our clients. Deciding if debt settlement would be the best plan for you is something that can be determined in a free consultation.

From the Hoglund Law Bankruptcy Blog

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St. Cloud Social Security Disability ATTORNEY

Stearns County, MN

What is Social Security Disability

Social Security Disability payments come from one of two brackets: SSDI and SSI. SSDI, or Social Security Disability Insurance, is for those who have enough work credits to qualify. Basically, they’ve paid their Social Security taxes while working consistently for at least five of the past ten years. Supplemental Security income, however, is given to those who financially need it—regardless of prior work history. To qualify for either, you must meet the Social Security Administration’s medical criteria and be disabled to the point of being unable to work.

How a St. Cloud Social Security Disability Attorney Can Help

Some people choose not to consult an attorney in filing a Social Security Disability claim—and it has been statistically proven that these people are less successful in getting approved. Why is this? An experienced lawyer should have the knowledge to identify risk factors within your application—saving you time and ensuring that you put your best foot forward. With so many applications received and reviewed, you want to be certain that your application is as perfect as possible.

At Hoglund Law, we offer a free case evaluation with an experienced lawyer—which means that at the very least you get the chance to see the strengths and weaknesses of your application.  Should you choose to file with one of our Saint Cloud attorneys, you will be able to rest assured knowing your right to a hearing is protected and that the legal advice you receive is some of the best in the business.

Who Qualifies for Social Security Disability

Social Security benefits are meant for those who struggle to work due to their medical conditions. It helps offset the cost of living, giving people the opportunity to survive in a money driven world. Due to the sheer amount of applications and the limited number of resources available, however, the Social Security Administration has strict qualifications that applicants must meet.

The SSA releases a list of qualifying conditions. The following is a short list of some of the conditions on it—however it is by no means exhaustive. For a more complete list, click here.

You qualify for Social Security Disability if you meet the medical criteria for schizophrenia, coronary artery disease, rheumatoid arthritis, digestive tract problems, back injuries, etc.

If you are uncertain whether you meet the medical criteria of a qualifying condition, or simply want advice on how to make your application as complete as possible, we encourage you to meet an attorney for a free case evaluation.

St. Cloud Social Security Disability Attorney

Why Are People Denied Social Security Disability

There are many reasons that a person may be denied Social Security Disability. Whether there simply wasn’t enough medical evidence to show the Social Security Administration that you are unable to work, or the SSA failed to consider all factors impacting your ability to work, getting approved may be as simple as appealing the decision.

There are some red flags, however, that will almost always result in a denial from the SSA that you should be aware of. Use of drugs or alcohol and any convictions, if related to your condition, could result in immediate denial. If your condition isn’t likely to last longer than 12 months, it will be denied as well.

To determine what factors, if any, could get in the way of approval, it is best to speak with an attorney to discuss your case.

How to apply for Social Security Benefits in St. Cloud

Your first step is to gather relevant information that will help the Social Security Administration determine whether you will qualify. This information includes a fifteen year record of employer’s names, addresses, and contact information; a list of all prescribed medication you are taking or have taken for your condition; and a list of all hospitals, clinics, and doctors you have visited for treatment of your condition.

You second step is applying. Whether or not you have a complete list of the information above, you should apply with the information you do have. That way the process of getting your first check will be that much faster—just make sure to update the information as it comes in. To apply, you can either visit your nearest social security office or go online.


US Social Security Administration

Address: 3800 Veterans Dr #100
St Cloud, MN 56303

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?

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

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About St. Cloud Minnesota

St. Cloud is as picturesque as its name suggests. The city is practically built for an ideal day, especially if you love starting your morning strolling through tastefully curated gardens much like St. Cloud’s own Munsinger Clemens Gardens. The 68,043 residents are just minutes from numerous golf courses and nature preserves. This suburban town explodes with life when the Minnesota snow melts, utilizing the many parks and green spaces that are placed throughout the town. Visitors and residents alike can make their own perfect day taking advantage of the endless events in this Stearns County city.

Areas Served: Waite Park MN, Monticello MN, Sauk Rapids MN, Clearwater MN, St. Joseph MN, Sartell MN, Becker MN, Kimball MN, Pleasant Lake MN, Rockville MN.