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Dustin Thomas Bower

Dustin Bower’s Legal Guides

14 total


  • How to Properly Prepare and File for Bankruptcy

    Review Your Finances & Compare Against Monthly Expenses It is important that you know how much you owe and who you owe. Sort through all of your bills and create a list of all your creditors and how

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  • Minnesota Foreclosure Laws

    Are you facing the possibility of foreclosure? Knowing the State law is the key to helping you through the process. Minnesota foreclosures are handled both in court (judicial) and out of court (non-

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  • What is the means test, and how does it apply to me?

    Chapter 7 Chapter 7 bankruptcy is the liquidation of your assets in return for having your debts pardoned. Chapter 13 bankruptcy lets you work with the court to find a way to pay off your debts. In

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  • What is exempt property and what can you keep with the federal exemptions?

    What is exempt property and what can you keep with the federal exemptions? “The purpose of an exemption is to protect a debtor and his family against absolute want by allowing them, out of his proper

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  • What is an automatic stay?

    While it is in effect, creditors cannot: • Try to bring a claim against you • Try to enforce a judgment against you • Try to gain property from you • Try to create, protect or enforce any s

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  • What is the difference between a Chapter 7 and a Chapter 13 bankruptcy?

    Why Bankruptcy Sometimes you get into severe financial straits and have to rely on bankruptcy. When this unfortunate happenstance occurs, which form of bankruptcy do you choose? The two major forms

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  • When Should I Consider Filing for Bankruptcy?

    What is Bankruptcy? The bankruptcy system was created to allow people with too much debt the opportunity to have a fresh start. When you file for bankruptcy, you choose to operate under either Chapt

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  • What Are the Limitations of Filing for Bankruptcy?

    Bankruptcy can do many things to help a debtor get a fresh start. An automatic stay is granted to prevent creditors from harassing you. In Chapter 7 bankruptcy, your debts are forgiven. In Chapter

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  • Bankruptcy Trustees: Who are they and what do they do?

    Where does the trustee come from, and what rights are granted to him in your case? Appointment of a trustee Immediately upon the filing of your bankruptcy, an interim trustee is appointed to your ca

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  • Credit Scores: What Affects It and How It Affects You

    Here are some of the more common ways to sink your credit score: Different actions will impact your score in different ways, and those ways can change based on your current score. Maxing out a credi

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