You Have a Right to an Attorney at your Social Security Hearing

We occasionally have new clients at Hoglund Law Offices who have already appeared at their Social Security benefits hearings unrepresented.  They fall into 2 categories.  Some of these clients already completed their hearings with their judges.  At this point, we generally cannot get another hearing.  We are left making sure the medical records were properly submitted and, at times, we submit written legal arguments to the judges post-hearing.  Frankly, in these cases, we also plan for appeals of hearing denials and for the possibility of refiling new claims.

Other new clients, however, who have already appeared at their hearings did a wise thing.  They requested their judges to postpone their hearings until they could find an attorney.  In these cases, we usually have time to order the full medical record.  We can arrange our schedule to appear for the new hearings, which are usually a few months later.  We also have adequate time to give legal advice about the likely alternatives for approval.

At Social Security benefits hearings, judges are required to let all unrepresented claimants understand “on the record” (while audio recording is on) that they can postpone their first hearing to get representation.  This may not always communicated positively or clearly.

So, if you (or someone you know) cannot find an attorney before their Social Security benefits hearing, make sure they exercise their right to postpone their first hearings.  Judges will not indefintely postpone hearings — so expect one chance to postpone and look for an experienced attorney immediately.

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Foreclosure laws in Minnesota

Many individuals facing foreclosure are unaware of a Minnesota law which may offer them some relief. A Minnesota law is in place which extends the time a debtor has to bring a mortgage current in an attempt to keep their home.

The foreclosure process in Minnesota typically follows this procedure. (Please note that there can be variations in this timeline depending on what type of mortgage an individual has.) A person falls behind on their mortgage, and then the mortgage company sends out a default letter. Typically once the default letter has gone out the mortgage company will not accept payments on the mortgage unless the payment will bring the mortgage current. In other words, if an individual sends in one payment and that person is three payments behind, the mortgage company will typically send back the single payment and would only accept a payment that would cover all three months that the debtor is behind. The mortgage company then hires an attorney to foreclose on the property. At this point the mortgage company will typically stop communicating with the debtor and the debtor must then deal only with the attorney hired by the mortgage company. The attorney begins the foreclosure process. The debtor then receives notice that a sheriff’s sale will be held on the property. The debtor typically gets six weeks notice of the impending sale. The debtor then has up until the sheriff’s sale to bring the mortgage current. Bringing the mortgage current will now include all the past due payments and late fees as well as the attorney’s fees incurred by the mortgage company in pursuing the foreclosure. If this is not done and the sheriff’s sale is held, the only way for a debtor to keep the home would be to pay off the mortgage in its entirety. When the housing market was stronger it was not uncommon for a person to refinance the mortgage after the sheriff’s sale and keep the home. This is now a rare occurrence.  After the sheriff’s sale, a debtor has six months (depending on the type of mortgage) to redeem the property. This six month period is called the redemption period. During this period the debtor is allowed to stay in the property and can reclaim the property if the debtor can pay off the entire mortgage.

This law allows a procedure for debtors who are behind on their mortgage to get extra time to bring the mortgage current. In order to qualify to use this procedure the property in question must be the debtor’s homestead. The debtor must submit a sworn affidavit stating the legal description of the property, the fact that the property is homesteaded, the purpose of the submitted affidavit, and the statute citation. The sworn affidavit must be recorded in each county recorder and register of title where the mortgage is recorded. A copy of the recorded affidavit must then be filed with the sheriff conducting the sale and a copy must be delivered to the attorney foreclosing on the mortgage. These actions must be completed 15 days prior to the scheduled sale date, and may be started only after notice of the sheriff sale has been given. There are two effects of recording, serving, and delivering the affidavit: the foreclosure sale is automatically postponed to the first date that is not a Saturday, Sunday or legal holiday and is five months after the originally scheduled date of the sale and the mortgagor’s redemption period is automatically reduced to five weeks. This process can only be done once. Essentially this allows a person more time to bring the mortgage current. In exchange for a shortened redemption period, the debtor essentially gets an extra five month to bring the mortgage current.

If a person is unable to bring their mortgage current during this period, another option is to file a Chapter 13 bankruptcy. A Chapter 13 is essentially a repayment plan that your creditors are required to participate in. This type of bankruptcy will halt a sheriff’s sale and allow the debtor (in some circumstances) up to five years to repay the mortgage arrears. If a person is able to make their regular mortgage payment and has some disposable income after meeting their necessary living expenses, that person may qualify to do a Chapter 13. The Chapter 13 will allow a debtor to pay back mortgage arrears and to pay back unsecured creditors in one payment. A person in most cases is not required to pay back unsecured creditors in full. This will often allow an individual in financial distress relief from collections actions while they bring their mortgage current. It should be noted that once a sheriff’s sale has occurred a debtor is no longer able to file a Chapter 13 bankruptcy in which they will be able to keep the home.

This article  is for informational purposes only. The information on this website should not be interpreted as legal advice.

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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6 Ways to Hire the Right Social Security Lawyer

When you have decided to hire a lawyer — rather than a non-lawyer “representative” — to represent you in your Social Security benefits claim, you need to consider some important factors.  Often overlooked, however, is your lawyer’s style.  Style does matter.  A lot.  Why?

A Good Fit

Over my 18 years years of practice, I have known many attorneys.  I have noticed that some attorneys gravitate toward areas of law that match their personalities.  Areas of law are different.  In essence, it is a marriage.  A good fit between personality and practice area, in turn, helps the client.  For example, criminal law tends to attract attorneys who have hard-driving, suspicious of authority, and aggressive.  There are exceptions, of course, but it is good that some attorneys choose the practice areas that play to their tendencies.  Estate planning, conversely, tends to attract attorneys who are comfortable with numbers and detail and who, like accountants, size up situations and carefully weigh options before proceeding.  Different personalities, different fits.

A Bad Fit

From a client’s perspective, you should know that some attorneys do not quite fit their practice areas.  This happens for various reasons.  Some chose their practice area only for earnings potential.  The marriage is essentially arranged.  Some attorneys are idealistic, but mistaken, about what they are getting into.  Take family law.  In theory, there can be a romantic notion of working with families toward a common good.  In practice, it sometimes has little to do with “uniting” families.  Finally, some attorneys do not fit their practice areas because they just took the first legal job they got, like their first date, learning later to simply make do or plan to leave it.

From a client’s perspective, a bad fit can play out like a bad marriage.  Some are worse or better than others.  For the attorney, the question is how well can you adapt your style to foreign terrain.  Attorneys need to be different.  Different talents are needed.  An aggressive attorney can help uncover an improperly handled drunk driving charge.  But that same aggressive attorney can cause problems when an estate plan raises too many tax code questions or when the behavior sours important working relationships with judges.

 Finding a Good Fit

As a client, you want to hire the best attorney in the best firm possible.  You likely, though, have absolutely no idea what kind of people the firm has.  You are not doing personality tests.  Referrals are a good start.  But to see if your Social Security attorney is a good fit to work with the government on your behalf, you should know what an effective Social Security attorney does.  This is the key.

I practice Social Security disability law.  Since you are at our web site, you may be looking for an attorney.  What do Social Security disability attorneys do?  We gather and personally read volumes of medical records.  We analyze how medical records fit the law.  We use technology to track all procedures and the status of all claims.  We make daily legal arguments before a small group of the same federal judges.  We also cross-examine experts at federal hearings.  Most important, though, is that we continually work with a limited group of judges, Social Security staff at all levels, medical facilities, and government experts.  Effective Social Security attorneys must get things done through other people.  We need to know our limits, and appreciate how we rely on others to help our clients.  Without this, attorneys in this practice area can lose credibility.  Without credibility, attorneys can create needless goverment obstacles to getting worthy clients approved for Social Security benefits.

Questions for Social Security Attorneys

Knowing that Social Security attorneys must work effectively with many different groups of people, from judges on down, there are 6 good questions a law firm should ABSOLUTELY let you know:

  1. What style representation do you offer in Social Security clients?  Aggressive?  Passive?  Collaborative?  No idea?
  2. Have any of your attorneys ever avoided appearing before certain judges?  Why?
  3. Has a judge ever asked any of your attorneys to leave a hearing before it was done?  Why?  Don’t know?
  4. Do you regularly help clients who have “difficult cases” that might be approved but may require more effort?
  5. Does your office have a good working relationship with your local Social Security hearing office?  Can you give examples?
  6. Is your firm a law firm that only hires lawyers?  Why?

Some attorneys may be convinced that their “style” is right.  Straight answers to these questions, though, can help you know whether the cliche “aggressive” or “hard-hitting” lawyer style really fits your needs.

At Hoglund Law Offices, we have consciously hand-selected Social Security attorneys who can work collaboratively with people, even under adverse circumstances.  We think of it this way:  We believe our attorneys are at our best under pressure.  Under pressure, we try to understand what prompts the issues — such as information gaps.  Many times, problems arise because the right people do not always have the right information.  With over 30 years combined experience, we carve out solutions to help our clients with an eye to maintaining good communication with “the other side”.  Our credibility is important.

Finding an effective Social Security attorney is an important choice.  Find a collaborative attorney that can confirm examples of this for you, and you should have a good idea whether you have the right attorney for the job.

Andrew Kinney, Esq.

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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What Are Listings?

The Social Security Administration follows federal regulations when deciding your disability benefits claim.  If your medical problem meets certain criteria, you may be approved under what the regulations call Listings.  Listings are medical conditions that are severe enough to warrant an approval.  For example, many people with lower back problems have nerve root impingement and pain that radiates down one or both legs (radiculopathy).  If supportive imaging studies and examination findings are also present, they may meet musculoskeletal Listing 1.04A.  Meeting a Listing means that you match the criteria. Listing 1.04A reads as follows:

1.04 Disorders of the spine (e.g., herniated nucleus pulposus, spinal arachnoiditis, spinal stenosis, osteoarthritis, degenerative disc disease, facet arthritis, vertebral fracture), resulting in compromise of a nerve root (including the cauda equina) or the spinal cord. With: A. Evidence of nerve root compression characterized by neuro-anatomic distribution of pain, limitation of motion of the spine, motor loss (atrophy with associated muscle weakness or muscle weakness) accompanied by sensory or reflex loss and, if there is involvement of the lower back, positive straight-leg raising test (sitting and supine)…

You do not need to meet a Listing to be approved for Social Security benefits, but approvals are easier when you do.  At Hoglund Law Offices, we review all potential clients to determine if a Listing may apply.  We argue many different Listings for our clients.    The best way to understand these Listings is to browse through them.  Listings for adults and children are divided into different classifications.  A very useful link to review these listings is:  https://www.severe.net/listings.html If you choose our law firm to help you with your Social Security claim, you may wish to ask one of our attorneys if a certain Listing applies to you.  Andrew Kinney, Esq.

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Welcome to our Social Security Blog

Should I apply for Social Security Benefits? Our Social Security attorneys at Hoglund law offices help people get Social Security benefits when they cannot work full-time because of medical problems that will (or are expected to) last a year.  Social Security evaluates whether people are disabled through an adminsitrative process that can sometimes take 2 to 3 years.  Your first call can be to us (1-800-850-7867) or to Social Security (1-800-772-1213).  When we get phone calls from across the country from people at any level, we discuss your situation and let you know whether we can help you.  There is no fee unless you are approved.  Calls to Social Security can start an application that is followed up by a Social Security office near you.       Keep in mind that the Social Security disability process can be intimidating.  Delays are common.  Appeals have strict deadlines.  Our law firm does very well at making sure that Social Security has the information it needs when it needs it.  That involves working with our clients at critical times.  Ultimately, from application to reconsideration to hearings and beyond, our paralegals and attorneys address issues at all junctures.   Our web site describes the process and how we can help you:  hoglundlaw.com.  One of the best places to understand about how Social Security works in general is the government site itself:  ssa.gov. Andrew Kinney, Esq.

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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Welcome to the Hoglund, Chwialkowski & Mrozik, PLLC Blog

Welcome to hoglundlaw.com. We will soon have useful information available regarding Bankruptcy, Social Security, Debtor Education, and Mass Torts. In the meantime,  feel free to browse our website to learn about our areas of practice. To learn how Hoglund, Chwialkowski & Mrozik PLLC can best assist you, give us a call at 1-800-850-7867.

Written by Hoglund Law

The attorneys of Hoglund law are licensed in Minnesota, Wisconsin and Ohio. Hoglund, Chwialkowski & Mrozik, PLLC is based in Roseville, Minnesota. In addition to handling cases involving bankruptcy & social security, Hoglund, Chwialkowski & Mrozik, PLLC handles faulty drugs and toxic exposure.

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