David L. Friedman’s Guides

David L. Friedman

Minneapolis Bankruptcy Attorney.

Contributor Level 11
  1. I'm behind on my mortgage--what can I do?

    Written by attorney David Friedman, about 2 years ago.

    The most common problem people come to see about is being behind on a mortgage. Knowing you might lose your home is scary, but there are a lot of ways we can help you get back into good standing on your mortgage so we can keep you in your house. In this post I run down some of the options out there:

    1 person found this Legal Guide helpful

  2. Dealing with car loans in Chapter 13 bankruptcy

    Written by attorney David Friedman, about 2 years ago.

    Clients often want to know what we can do to help them with their car payments in Chapter 13. Often we can make it a whole lot easier for clients to pay their car loans. Here are some of the ways we can help.

    1 person found this Legal Guide helpful

  3. Lien stripping--removing an underwater second mortgage in Chapter 13

    Written by attorney David Friedman, over 2 years ago.

    One of the benefits of Chapter 13 bankruptcy over Chapter 7 is flexibility. There are just lots of ways we can help your financial situation in a Chapter 13 that we just dont have the power to do in Chapter 7. One of the big ones is stripping an underwater second mortgage. 1. Wha...

    1 person found this Legal Guide helpful

  4. Can I discharge student loan debt in bankruptcy?

    Written by attorney David Friedman, over 2 years ago.

    One of the only types of debt that cant be discharged in a bankruptcy is a student loan, and even then, there are exceptions. But student loans can be discharged in relatively rare situations of undue hardshipwhere the debtor cannot pay back the student loan and probably wont be ...

    1 person found this Legal Guide helpful

  5. Can I keep some debts out of my bankruptcy?

    Written by attorney David Friedman, over 2 years ago.

    Bankruptcy clients often wonder whether they can leave off certain debts on their bankruptcy filing. The short answer is no. The long answer? Also no. This usually comes up where you have a #1 favorite credit card (triple bonus miles!) or a debt you owe to a friend or family memb...

    1 person found this Legal Guide helpful

  6. Using Chapter 13 to stop foreclosure

    Written by attorney David Friedman, over 2 years ago.

    Often people come to see us after theyve done everything they can to keep their home out of foreclosure. Many try to get loan modifications from their lenders, but after lots of runaround,most are denied. For some strange reason, the lender just wont allow the borrower to get out...

    1 person found this Legal Guide helpful

  7. The automatic stay: creditors can’t mess with you once you’ve filed bankruptcy

    Written by attorney David Friedman, almost 3 years ago.

    One of the benefits of bankruptcy is that it will stop debt collection against you. This means no more phone calls from debt collectors, no more threatening letters, and lawsuits against you must stop (including pending foreclosures). Under the bankruptcy law, this is called the “automatic stay."

    1 person found this Legal Guide helpful

  8. Can a second mortgage company sue after a foreclosure?

    Written by attorney David Friedman, almost 3 years ago.

    In the wild heyday of mortgage lending, many people were offered two mortgages when buying a house. The first mortgage was a traditional mortgage for 80 percent of the value of the home. But for borrowers who wanted to buy without a down payment, lenders also offered a second mo...

    1 person found this Legal Guide helpful

  9. Can a debt collector leave messages on my voicemail?

    Written by attorney David Friedman, almost 3 years ago.

    The Fair Debt Collection Practices Act (FDCPA) makes it illegal for a debt collector to communicate with any person other than you or your attorney about your debt. When a debt collector leaves a message on your answering machine (does anyone have these anymore?) or voicemail, i...

    3 people found this Legal Guide helpful

  10. Domestic partnership and bankruptcy

    Written by attorney David Friedman, almost 3 years ago.

    We often work with same-sex couples dealing with debt. A few tricky issues come up with clients in domestic partnerships that want to file bankruptcy, but for the most part, the bankruptcy law treats them exactly the same as any non-married couples. Here are some questions we get asked a lot:

    1 person found this Legal Guide helpful

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