Author Archives: Elizabeth Rosar Chermack

If I file bankruptcy in Minnesota, can I keep my car?

When potential clients ask me questions about filing bankruptcy, one of their first few questions to me usually has to do with whether they can keep their car if they file bankruptcy. In order to answer that question, I need … Continue reading

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Credit scores and bankruptcy

When someone schedules an initial consultation with me to discuss their debts and what options they have to resolve their debts,  their credit score is often on their mind. People want to know how filing bankruptcy will impact their credit … Continue reading

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How can I afford to hire a bankruptcy attorney?

It’s pretty common for bankruptcy attorneys to hear the following from our potential clients: I need to file bankruptcy. I can’t afford to pay my creditors. How can I afford to pay for a bankruptcy attorney? Everyone’s situation is different, … Continue reading

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Filing bankruptcy while unemployed

Like anything in life, you have to take the bad with the good. Sometimes, though, there is also some good that you can take with the bad. I have yet to meet someone who is ecstatic about being involuntarily unemployed. … Continue reading

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Tax consequences of foreclosure in Minnesota

When someone meets with me because their home may end up being foreclosed on, one of the things that I tell them is that they should meet with an accountant – a good one – sooner than later. Last year, … Continue reading

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My cliché “New Year, Fresh Start” post

It’s December, and that means family gatherings, kids being on break from school, painful commuting traffic due to snow (like today!), and… lots of Facebook posts, blog posts, and inspirational quotes about making resolutions for the upcoming new year.  Although … Continue reading

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Attachment Narrative Therapy

A couple of months ago, my daughter’s therapist said that she thought it might be useful for my daughter to do a few attachment narrative therapy sessions with me. As part of the process, I needed to write my own … Continue reading

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How to resolve joint debts and protect yourself in a divorce

In my previous post, I discussed the unfortunate fact that your divorce decree will not change your contract with your creditors. In other words, if you and your ex-spouse were both jointly liable on a Visa credit card, the divorce … Continue reading

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What happens to joint debts in a divorce?

I recently attended a CLE (also known as “lawyer school”)  called Mortgage and Divorce for Family Law Attorneys. David Jamison, from Wintrust Mortgage, was the presenter. One of the topics that was discussed was a topic that comes up often with … Continue reading

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Triggers and Our First Family Portrait

Before we ever met our children, our social worker made sure that we read their child protection file. Although I will not go into great detail about the trauma that our children suffered before we met them, let’s just say … Continue reading

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