Social Security and the Government Shutdown

As many already know, the government has been shut down for a couple of weeks now.  Many who receive Supplemental Security Income (SSI) payments, have hearings set up regarding receiving SSI, or are seeking to start the process have questioned how the shutdown impacts Social Security.  This shutdown has made an impact on Social Security, but the field offices will still remain open; however, even though the field offices are still operating, they can only provide citizens with limited services.  For example, if you already have a hearing date scheduled, your hearing will continue.  The hearing offices will remain open during the shutdown; and as far as SSI payments go, the shutdown has no impact on how much you receive or when you get your payments.  You will receive your SSI payments as you usually do, with the same amount you usually receive.

Found on the official Social Security Administration website (https://www.ssa.gov/shutdown/) here are the following services that will continue to be provided by the field offices throughout the government shutdown:

    • Help you apply for benefits
    • Assist you in requesting an appeal
    • Change your address or direct deposit information
    • Accept reports of death
    • Verify or change your citizenship status
    • Replace a lost or missing Social Security payment
    • Issue a critical payment
    • Change a representative payee
    • Process a change in your living arrangement or income (SSI recipients only)

 

Provided by the same website is a list of services they will not be able to provide during the shutdown:

    • Issue new or replacement Social Security cards
    • Replace your Medicare card
    • Issue a proof of income letter

 

As was mentioned above, the following information can be found at the official Social Security Administration (website link above).

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.

View all author posts →


What Happens at a Social Security Hearing? Chapter 5

[The following  are part of a series that explains what happens before, during, and after Social Security hearings from an experienced Social Security benefits attorney.  Client names and particular fact patterns are changed to protect confidentiality.]

Chapter 5

Bad News.

Friday, December 28, 2012.  9:30 a.m.

Denise sat on her family room couch.  It was a few days after Christmas.  Through the window over the TV, snow covered the backyard yard and framed the windows with sparkles of white.  She breathed in.  Christmas was nice, she thought.  The Christmas tree in the corner was dry.  Tree lights sparkled in the slant of the morning sun.

The phone rang.  It startled her.

“Hon, bad news.”  It was her husband.  He was calling from work.  Her heart beat fast.

“What?”  His voice quivered.  “Hold on.”  She turned off the TV.

“They’re layin’ a bunch of us guys off here.  They’re movin’ things out of Minnesota.  Said state taxes are too high.  Damn them greedy politicians.”

“What are we going to do?”  Denise was running through a list of credit card bills coming in January.

“Hon, we’ll get some severance.  A bunch of us guys are talkin’ about unemployment.  I’ll start goin’ to the library and lookin’ for jobs.”  Denise’s eyes stung and she started crying.

He heard her.  “Hon, we’ll get through this.  Don’t worry, babe.  I’ll be home in a little bit.  We’ll talk more.”

Denise hung up.  He was a good man.  This was too much.  She put her fingertips into her forehead.  She gagged on a series of short breaths and cried.

Over the rest of the day and into the evening, news of factory job losses spread sadness.  Outside, snowflakes fell quietly, absorbing the sounds from the small town, fanning outward past the broad, recumbent fields.

Denise and her husband spent the next few days at home.  New Years’ came and went.  Days became weeks.  Into the new year, late at night in bed, they discussed their most pressing money troubles.

One night in bed, Denise was suddenly scared.  She looked at her husband.  “If I don’t have medical insurance, how will I prove my Social Security case?”  They could pay for her medical care, but they had very little money.  She needed a plan.

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.

View all author posts →


Same-Sex Couples and Social Security

June 26, 2013 was a landmark moment for same-sex spouses in regards to applying for Social Security Disability; after reviewing the Defense of Marriage Act of 1996, the Supreme Court decided to adjust some of the concepts behind the act.  Originally, this act made it impossible for same-sex spouses to file for SSI Disability because it was illegal for the Social Security Administration to recognize their partnership as a legal marriage (which is required in order to file for Social Security spouse benefits).  Now, however, the Social Security Administration is working alongside the Justice Department to determine what rules need to be put in place to deal with same-sex spouse claims.  So far they have come up with 3 new policies regarding claims for retirement aged spouses, non-biological children, and transgender individuals.  The first states that retirement aged same-sex spouses may apply for SSI if they were both married and currently living in a state that identifies their marriage as a legal marriage.  The second policy states that if the same-sex couple’s non-biological child is found, by state, to be a possible successor of the parent(s) than they will be eligible for SSI benefits.   The final new policy behind the reformation of this act concludes that a transgender individual is only eligible if the state in which they are applying for SSI views their marriage as legitimate and legal after that individual had gender reconstruction.  Although the Social Security Administration has come up with some new policies after the June court decision, there are still more that are in the process such as: same-sex spousal widow claims, claims from same-sex couples who are not legally married but are in civil unions, and claims for those who are “younger than retirement age caring for an eligible child.”  These last few policies that have yet to be created are currently being worked on, though, so it will only be a matter of time before you will see these policies alongside the other three already created.

 

https://www.marketwatch.com/story/same-sex-couples-await-social-security-clarity-2013-09-20

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.

View all author posts →


Where can I file Bankruptcy?

Figuring out where you can file bankruptcy may seem like a straightforward question.  For most people the state that you currently live in is where your bankruptcy will be filed.  However, if you have recently moved or if you plan to move in the near future, there is more analysis involved.

Bankruptcy laws specify that a debtor’s bankruptcy petition must be filed in the state where the debtor has lived for the majority of the prior 180 days.  Once you move to a new state you must live there for 91 days before you can file bankruptcy there.  This also means that you could move to a new state but still file bankruptcy in your old state for up to 90 days.

The choice of where to file bankruptcy may seem like a simple decision initially but it could have a huge impact on the protection of your assets.  Bankruptcy laws vary from state to state.  Some states only allow debtors to use federal bankruptcy rules for protecting their property.  Other states require debtors to use that state’s specific bankruptcy rules for protecting their property.  Some states, including Minnesota, allow debtors to choose between using federal bankruptcy rules or state rules for protecting their property.

Please call our office at (651) 628-9929 to speak with one of our bankruptcy attorneys at a free consultation.  We have many convenient locations throughout the state of Minnesota.  We would be happy to meet with you in the Twin Cities, Duluth, Rochester, St. Cloud, or Mankato.

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.

View all author posts →


Is it Possible for Student Loans to be Discharged during Bankruptcy?

Although it is possible for one to discharge their student loan payments, it is very difficult to do so and rarely happens.  In order for you to attempt to discharge your loans you must first file a Complaint to Determine Dischargeability with a bankruptcy court. Once you have done this you can either try and represent yourself or hire an attorney to represent you (which is recommended) in proving it would be an undue hardship for you to pay back your student loans.  The courts will then use one of few tests to decide whether or not it is truly an undue hardship for you. Two of the more popular choices of tests are the Brunner Test and the Totality of the Circumstances Test.

In order to prove undue hardship under the Brunner Test, you must meet all three of its requirements.  The first requirement is that you prove you and your dependents will not be capable of living within the basic standard of living if you must pay back your loans.  The court will look at your current income and your monthly necessary expenses (groceries, rent, etc.) to determine whether or not the addition of paying off your student loans would push you below the standard of living.  The second requirement is whether or not your financial situation will stay consistent for a majority of the time spent paying off your student loans.  If it doesn’t look like you’re financial situation will improve at any time during the period of repayment, you may be able to discharge the loans.  The final requirement for this test is to prove that you had made an honest effort in trying to pay off your student loans.

Under the Totality of the Circumstances Test there are no requirements that you must reach like the previously mentioned test.  However, the court will look at similar factors to determine whether or not paying back your loans will be an undue hardship for you. Instead of just looking at the three previously mentioned areas (possibility of poverty, consistency of financial situation, and honest effort), they will look at all possible factors that are pertinent to your case specifically.  Keep in mind that the court systems are not limited to these two tests alone, there are other tests that can be used by the courts.  If you’re unsure of what test will be used in your area, get in touch with a local bankruptcy attorney to find out.

One thing to keep in mind is that most courts will either discharge all of your loans or they won’t discharge any at all.  There are few courts that will only discharge a percentage of your student loans.  If your loans aren’t discharged, two things could happen.  If you filed under Chapter 7 bankruptcy, you will have to repay your loans back as previously planned.  You could call the facility your loan is through, though, and ask to lower your monthly payment.  If you filed under Chapter 13, you may have more options open to you in terms of lowering your monthly payment other than just calling the facility.  However, you must keep in mind that even when your monthly payments have been reduced, after the original time period has passed for you to complete payments you need to pay off whatever is left.  So if you were on a 10 year payment plan and had your payments reduced, by the time the 10 years is up you will have money left over to pay still (ex. $500 left over).  With that being said, just remember to keep all of your options open before filing a Complaint to Determine Dischargeability, such as speaking with a loan counselor.

https://www.nolo.com/legal-encyclopedia/student-loan-debt-bankruptcy.html

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.

View all author posts →


ADHD: Is Your Child Eligible For Social Security Disability Benefits?

Although it is difficult for a child with ADHD to be approved for SSI Disability benefits, those with severe ADHD who meet the SSI program’s requirements have a chance of being awarded benefits.  One of the first requirements is that your child shows all of the symptoms of ADHD, which include the following: severe hyperactivity, severe inattentiveness, and severe impulsiveness.  The first requirement is one that applies to both children under the age of 3 and children aging from 3-18 years of age.  Although the requirements are similar, they do differ for these two separate age groups.  Most children aren’t diagnosed with ADHD until they are older than 3 years old, which is why there is need for two separate age group requirements: those under the age of 3 years and those who range from 3 years to 18 years.

The latter group (3-18 years) must have evidence that they have extreme difficulty in at least two of the following four areas in comparison to their peers: issues in cognitive functions, personal functions, social functions, or issues with persistency/ concentration. As previously mentioned, there must be evidence of these difficulties such as medical treatment/documentation, evaluations or notes from teachers and parents regarding the child’s history with ADHD, or results from a type of standardized testing the measures the child’s abilities and/or development.

For children who are younger than 3 years old, the Social Security Administration looks for any evidence of developmental issues that result from ADHD symptoms.  They must see that your child has developmental delays in cognitive functions, personal functions, social functions, concentration, or in their fine motor development.  Being as this particular age group is younger and unlikely to be diagnosed with ADHD just yet, there is a much smaller chance of them being granted benefits.

A couple of other factors that will play into your child’s eligibility is whether or not they work and how well they do in school.  Much like with adults applying for Social Security, there is a limit on how much money a child could make a month all the while still being eligible.  Some older children may have jobs, if this is the case they cannot earn more than $1,040 per month and still be eligible.  In regards to school, the Social Security Administration needs to see how ADHD affects your child in their development.  If ADHD has such a negative effect on their school and learning, it could lead to further issues down the road.  So it is necessary that there is sufficient evidence (such as standardized tests, teacher notes, progress reports, etc.) to prove your child’s ADHD is disabling to their learning and developmental progress.

Having to gather all of the evidence needed to prove your child’s ADHD is disabling enough can be a headache, especially if there is only a small chance they will be approved for SSI Disability benefits.  However, it has been shown that having a lawyer represent your case has a higher approval rate compared to those who chose to represent themselves alone.  So, although chances are small, there is still hope for being approved.

 

https://www.disabilitysecrets.com/adhd-attention-deficit-social-security-disability.html

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.

View all author posts →


How to Improve Your Credit after Bankruptcy

Going through bankruptcy can be an uneasy emotional process for you.  You can be left wondering how bankruptcy will affect you, your family, your finances, and even your credit.  There is no doubt that filing bankruptcy has a negative impact on your credit.  After all, it is something that will remain on your credit report for about 7-10 years.  This doesn’t mean you can’t improve your credit, though.  The following are some things you can do it improve your credit.

First things first, look over your credit report to see where you are at.  Once you know what your credit score is you can set a credit score goal and begin the process in building your score.  One of the biggest (and easiest) things to keep yourself on track is to pay your bills on time.  About 35% of your credit score is composed of your payment history.  This includes your phone bill, internet bill, car bill, etc.  Now this next step might seem a bit intimidating given the bankruptcy process you just went through, but you should consider getting a credit card account.  Much like your bills, paying your credit cards off on their due dates will help to improve your credit, you don’t want to go up and beyond your limit, though.  Try to use your card as little as often, or for lower cost items and then make sure to pay the card off by the due date. Another thing to remember is that you do not want to close out on one.  This will damage your credit more than benefit it.  All this will do will reduce “the amount of credit you have available to you.”  If you feel you are not going to make payments in a timely manner, just shred the card and leave the account open.

After some time has passed since your bankruptcy was discharged, you should look into getting a loan for some type of property such as a car. This doesn’t mean go buy the most expensive car on the lot, instead you should focus on a car that you know is in your price range.  A car you’re confident you can pay off.

By following these tips, you are giving yourself a higher chance of improving your credit score.  Much like a workout, you are not going to see results over night.  Building up your credit after filing for bankruptcy will take time; but as long as you’re patient and are aware of your financial limits, you should be able to make some progress in achieving your credit score goal.

 

https://money.msn.com/credit-rating/article.aspx?post=f8f62f4a-9f7b-40e8-ad22-bb88f2399a77

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.

View all author posts →


Social Security Income Payments/Benefits and Prison

The first thing to keep in mind if you are incarcerated in prison is that you will not receive Supplemental Security Income (SSI) payments or benefits during the months you are imprisoned, nor are you immediately eligible upon release.  Once you have been incarcerated for 30 consecutive days, your benefits are suspended; if your spouse and/or children are still eligible, though, their benefits will continue. After 12 consecutive months, your benefits are terminated and upon release you must reapply for SSI payments and benefits with documents proving your release.  If you are released before 12 months have passed, your benefits can be reinstated after a month has passed since your release date. Before they can be reinstated, though, you will need to provide the local Social Security office a copy of your release documents.  In regards to your SSI payments, once you are released from prison your payments will start back up that same month. It is important to remember that you can’t receive benefits until you are actually released and have proven that to Social Security as well as prove you are still eligible.

If you were incarcerated before you were receiving SSI payments and benefits and would like to pursue Social Security, you may file while you are in prison. If the facility you are incarcerated at has a prerelease agreement with Social Security all you will need to do is talk with your facility about your desire to start an application for Social Security once your release date is known.  They will then be in touch with Social Security as to whether or not you are eligible.   You will then need to fill out an application months prior to your release date so Social Security is able to process it as soon as possible.  This is optimal because it will mean you can receive your benefits sooner than later after being released.

If the facility you are incarcerated at does not have a prerelease agreement, you will need to contact Social Security on your own once you have your release date.  All you need to do for this is get a hold of a representative there and inform them on your release date and that you would like to apply for SSI payments and benefits.  You will then receive an appointment upon release with a representative at the local office to discuss your eligibility and application process.

 

https://www.socialsecurity.gov/pubs/10133.html

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.

View all author posts →


Which to File First: Divorce or Bankruptcy?

Making the decision to file for either divorce or bankruptcy alone can be tough, but when you’re filing for both you may be lost as to which should be filed first.  There is no exact answer to this question because one person’s situation could greatly differ from next.  Sometimes it’s more logical for a couple to file a joint bankruptcy in order to lessen the blow of dividing marital assets, other times it might make more sense to file bankruptcy after divorce for financial reasons.  Before you make the decision, consider which type of bankruptcy you are going to file.  Are you filing under Chapter 7 or Chapter 13?

Filing Chapter 7 can be a quicker process than filing Chapter 13, so it might be more appealing to those who prefer filing bankruptcy before divorce.  Under this type of bankruptcy nonexempt property will be sold and whatever payment received from the sales will be given to creditors.  Any remaining debt you have will be discharged.  Before considering this type of bankruptcy, keep in mind that you must pass a means test to qualify.  After looking at you and your spouse’s income, the court may find your incomes too high for Chapter 7.  Thus, it may be necessary to wait until after divorce.

Filing under Chapter 13 usually lasts between 36-60 months, so it might be wise to file for divorce before you file for this type of bankruptcy.   Although the amount of time this process takes can be off putting, the plus is that you can protect your nonexempt properties from being sold.  This type of bankruptcy will create a feasible payment plan for the debtor.  The payment plan will be calculated based off of your income, amount of debt accrued, and how much money is necessary for monthly expenses.

One last thing to make note of is that there are marital debts you will not be able discharge regardless of which chapter of bankruptcy you file.  Those debts include both child support and spousal maintenance.  These debts will also be the first to be paid off due to their priority over any other unsecured debt you may have.

So while you’re trying to make a decision as to whether you should file bankruptcy or divorce first, keep in mind what type of bankruptcy you’d like to file and which seems more logical for your situation.

 

https://www.digitaljournal.com/pr/1412583

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.

View all author posts →


What Happens at a Social Security Hearing? Chapter 4

Chapter 4

The First Call.

 

Wednesday, April 6, 2011.  The Law Firm.  8:30 a.m.

“Hoglund Law Offices, Natalia speaking.  Are you a current client or a new client?”

Squeezing the phone receiver hard, Denise responded.  “New client.  I have questions about Social Security.”  Her left palm was wet holding the phone.

“OK,” said the calm voice on the line.  “I’ll put you through to one of our paralegals.”  Hold music followed.

Twenty seconds later:  “Hi, this is Shannon.  Is this Denise?  I have some questions for you.”

Denise understood that this was a screening call.  She was going to be asked questions to determine if she had a good case.  She took a breath.

Shannon continued.  “We are a law firm, and we keep everything confidential.  Let’s start with your full name and address.”  Shannon had a nice, almost cheery, voice.  Denise explained her diagnosis, treatment, and work history.  Denise felt like she was being heard.

“Thank you Denise.  Let me get this information to one of our attorneys to review.  Please hold.”  That startled Denise.  Her throat tensed up.  What if they won’t help me?  What if it actually does cost money up front?  Here it goes.  Denise closed her eyes and took some deep breaths.

The hold music played.  A Spanish guitar on a bad radio signal.  A few minutes later, Shannon came back.  She was bright and cheery – again.

“Denise, you there?”

“Yes.”  She swallowed hard.

“I spoke with the attorney, and he said we could help you.”

Just like that.  Denise felt a sob rising from within her chest.  Her eyes welled up.  “Thank you so much.”

“No problem.  It’s my job.  Remember, we only charge one quarter of back pay if you win.”  Emily was right, she thought.  “Unlike ome other firms, we charge for nothing else.  Hang in there.  You’ll get a packet of paperwork we’ll need you to sign.  We’ll send it out right away.  Please hold.  I’ll get Andrew the attorney on the line.”

This pause was shorter.  A few muddy guitar chords played.  “This is Andrew.  Is this Denise?”

“Yes.”  Things were happening fast.

“I was the attorney here reviewing your claim.  I decided we could help you.  I’ve been doing this work for over 20 years.”  Denise relaxed.  He knows what he’s doing.  “In my experience, Social Security denied you before, but you turned 50 later this year.  Your age now makes a big difference.”

He continued.  “We need to prove you are limited to sedentary work, and you cannot return to your past kind of work full-time.”  He explained the two-year Social Security appeal process, how his firm worked, and then he said, “Does your neurologist know you are applying for disability?”

“Yes, I just brought this up at my last appointment yesterday.”

“Good.  From your treatment and history, it’s likely your doctor knows you are doing as much as you can to get better.  Next time you see your doctor, can you ask him to make sure your records are clear about how you are limited by MS?  We’ll likely ask your doctor for input about how you are doing later.”  Input?  Denise thought.  Law is mysterious.

She answered quickly, “Sure.  He knows me real well.  I just did more testing.”

“Excellent.  It is important that your true limitations are clear in the medical record.  This is what we argue about with doctors at hearings.”  Doctors at hearings?  She was confused.

Andrew spoke with Denise further, answering different questions, especially about Social Security hearings.  “Eventually your case leads to a hearing with a judge,” he said.  “Don’t worry.  It isn’t Judge Judy.”  Denise laughed.  “That’s TV.  You get a private hearing with us there with you.  We are a real law firm, not a corporation, and we plan to hang in there with you.”  Do companies without lawyers do this? Denise thought.  “Our attorneys spend almost every day with judges in our area.  One of us will be with you.”

“You applied before, but never went to a hearing, right?” Andrew asked.

“Right, is that a problem?”

“No,” he said.  “Just verifying.  Most people are denied when they apply.  Social Security contracts with state agencies to filter people out at the first two steps.  They are backward enough to mostly review their approvals.  We find many of their denials inconsistent.  It’s our job to point these problems out at every hearing.  And we often do.”

Denise spoke up.  “I had the chance to buy long-term disability at the hospital I worked at.  I didn’t.  Is that a problem?”

“No.  Private long-term disability insurance has changed since the mid-90’s.  If you got it after that, and then got approved here for Social Security Disability, you have to pay them back.”

“Really?”

“Yes.  The federal government should stop what’s called the ‘Social Security offset.’  Many people end up paying for nothing.”

The lawyer continued, “And remember, Denise, keep treating regularly.  Even with MS, Social Security assumes you are doing better if you aren’t verifying your symptoms from time to time with your doctors.  It’s unfair, but true.”

“Got it.  Mr. Kinney?”

“Andrew is fine.”

“Can you be my lawyer at the hearing?”  Denise felt better asking this.

“I’ll put your request in our computer system.  I do about 350 hearings a year.  It takes about two years and two appeals to get to a hearing.  When that time comes up, they will check if I am available.  It could be someone else here, but I trust them or I wouldn’t work with them.”

“Ok.”  The call ended.  Her body relaxed.  She felt someone was on her side.  She breathed out.  Two years?  Here we go.  Some weight on her shoulders lifted, and she felt less alone.  She took a nap.

 

That night, she had the same dream.  She was thrown into the lake.  This time, a hand reached down from above her head and grabbed her hand.  She woke up, scared and sweaty.

While she realized these nightmares weren’t true, the upcoming year would be her biggest test.

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.

View all author posts →


Detroit’s Bankruptcy

On July 18, with more than $18 billion in debt, Detroit became the largest U.S. city to file bankruptcy.  They filed under Chapter 9 of the U.S. Bankruptcy Code, which is reserved for municipalities such as cities and towns.  In order to file for Chapter 9 bankruptcy, Detroit needed to prove to a judge that the state of Michigan gave them the approval to file, show that they are unable to pay bills, and prove that the city “negotiated in good faith with creditors.”  The process of filing bankruptcy for this case could take anywhere from months to years depending on whether or not creditors are willing to “agree to concessions ahead of time and the bankruptcy judge decides to expedite the case.”

While waiting out this process, there are a couple of things you may want to know that could impact the individuals of Detroit.  Being as there are more than 23, 000 retirees within the city, the topic of pensions has been at large.  Although a slight possibility, it is not likely that retirees will lose their pensions; however, they could see a reduction in the amount paid per month.  Retirees’ pensions may be protected during this process, but their health care insurance may not be; under Chapter 9, retirees could lose their benefit plans.

Along with side effects that affect individuals, there are outcomes that will affect the city as a whole. If the city so chooses to, they may sell any assets that they own in an attempt to reduce debt; such items could include artwork form the Detroit Institute of Arts.  However, they cannot be forced to take this action.  Another thing to note is that just because the city is filing for bankruptcy, it doesn’t mean that all of their debt will be erased.  Filing for Chapter 9 bankruptcy will only give the city “power to negotiate a debt-reduction deal that could be forced upon bondholders and creditors that previously refused to accept concessions.”  This deal will include a plan to help stabilize their finances and get the city back on track.  However, this plan cannot be put into action until it is “approved by more than half of the creditors in each creditor class and by creditors representing at least two-thirds of the total claims.”  Once this occurs, the city can begin its slow process in reviving its current financial situation.

 

Work Cited

Nathan Bomey. “What to know: How Detroit bankruptcy could unfold.” Detroit Free Press Business. https://www.freep.com/article/20130613/NEWS01/306130030/Detroit-Chapter-9-bankruptcy-Kevyn-Orr.

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.

View all author posts →


What Happens at a Social Security Hearing? Chapter 3

Chapter 3

The Referral.

 

Tuesday, April 5, 2011.  Office of Dr. James Strickland.  9 a.m.

Over the next few years of successive appointments, Denise got to know the staff at her neurologist’s office very well.  They all greeted her as she wound through to the examination room for her neurology appointments.  Emily, her primary nurse, had an experienced eye.  Her cousin, she once told her, had MS.

Emily got Denise through tough times, encouraging her to compete in this race without a line.

 

On this day, after a particularly tough week, Emily took Denise’s blood pressure and asked her an interesting question.  “You’re not working.  Have you applied for Social Security disability benefits?”

After a pause, Denise looked dejected.  “Yes, I did.  That was two years ago.  I was denied.”

“Did you appeal?”  Emily took off the cuff.

“No.  The government said no.”

Emily put her hands in Denise’s and looked into Denise’s eyes.  “Our patients tell me that everyone gets denied at first.  They told me they needed to appeal a few times and get a lawyer.”

“We can’t afford a lawyer.”  The sides of Denise’s mouth turned down as she formed the last word.  “We can barely afford our insurance.”

“Well, a couple of patients have told me about a firm that doesn’t charge unless you win.  A large one.  Right here in the cities.

Denise perked up.  “Do you know if I can apply again?”  Emily nodded no and handed her a piece of paper she grabbed from the examination room drawer.

“Ask them,” said Emily.  A law office name and phone number were on the piece of paper.  Were they on commercials?   “You never know, but I heard they are good.”

Denise thanked her and committed to calling the law fir6m that next day.  She slowly folded it up and tucked it into her back jean pocket.  Emily left the room.

Outside the examination room, a chart rattled against door.  A few minutes later, it opened.  “Good morning, Denise.  You are looking good today.”  Dr. Strickland entered rooms with efficiency.  His jet black hair was parted neatly and streaked with grey.

Sitting across from her, he said, “How are things going?”

“Well, about the same, doctor.  But my right arm is more clumsy now.  I can’t write letters worth reading.”  She laughed to herself.  “My writing looks like I drank a 12-pack.”  She looked up, embarrassed.  “I don’t drink, doctor.”

“I know.”  He nodded gently like an approving father.

“And my recent relapse made my fatigue worse, much worse than before.  Isn’t the medication working?”

Dr. Strickland took a measured breath.  “Yes, these injectable medication regimens can lose their efficacy over time.  We could consider changing it, but my patients have not noticed much short-time improvement doing so.”  He looked at her chart.  Your numbers don’t look too bad.”

“But I’m not feeling well.”  She swallowed hard.  “Doctor.  Do you think I can work?  I mean, do you think I am disabled.”   The question hung in the air.

“Well, Denise, you have relapsing-remitting MS.  You are showing the normal symptoms associated with it, including loss of coordination and fatigue.  Your vision does appear better.  Were you thinking of going back to work?”

“No.  I’m just too tired.  I’m applying for disability.”  Denise looked across at the examination table.  A new examination paper sat on top, drawn from a large supply roll of paper on the side.  It looked like a big roll of toilet paper.  The timing of the thought confused her.

“You certainly have followed our recommendations.  Your recent MRI confirmed the progression of the lesions.  Have you thought about sit-down work, maybe part-time?”

“Yes, I had one at the hospital.  My husband and I could really use the money.  But I’m not coordinated enough anymore to type, and I just cannot function in the afternoon.  I’m a klutz and I just get so tired.”

“Yes, that would be consistent with your objective findings.  I’ll tell you what.  I will perform some extra testing today to confirm how you are doing clinically.  One test reproduces fatigue.  I might not know if you could work at all, but a full-time schedule would seem out of the question at this point.”  He wrote down some notes.

Denise underwent a longer physical examination than normal, moving her arms and walking on her heels.  The tests made her feel tired and clumsy – more than ever before.  Her husband picked her up outside the clinic.  Looking through the car window, she worried about his job.  He takes a lot of time off for my appointments.

Her husband came out to her side of the car and helped her into their old fire red Buick.  Maybe, she thought to herself, I could make appointments late in the afternoon after school and Krissy could pick me up.  Her oldest daughter was a careful driver.  Denise planned to write that down.  Her memory was getting worse.

As her husband buckled his seat belt, she turned to him.  He was looking at her as if he had said something.  “What, honey. Did you say something?”  He nodded his head disapprovingly and started to drive.  Had he really said something?  She was too afraid to ask.

A few minutes later into the trip home, she told her husband about filing a new claim for Social Security disability.  He was quiet for a while.  He was not skeptical by nature, but he never got excited about what he could not see.

Then, with half-effort, he spoke.  “We lost before.  We need good help.”  He became quiet again.  He stared at the road, mouth unmoving.

Looking out the passenger window, she was lost in her thoughts.  The Buick’s engine droned.  To no one in particular, she whispered, “We do.”

She became nervous.  Will the law firm want to help me?  She soon found out.

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.

View all author posts →


What Happens at a Social Security Hearing? Chapter 2

Chapter 2

The Diagnosis.

 

Thursday, October 16, 2008. 

Office of Dr. James Strickland.  Neurology.  10:15 a.m.

 

“Well, Denise.  I looked at your MRI results.  You and your husband were worried about your coordination issues.”  In Dr. Strickland’s voice, still new to her, something was wrong.

They were sitting in Dr. Strickland’s office.  Happy faces looked out from family pictures on his walls and desk.  In the picture closest to Denise, the doctor smiled broadly, holding a big fish.

But now, in his office, the doctor’s 50’s-something face looked solemn, etched, and far away.  He brought out a color picture.  Her MRI, she thought.

He held up her MRI and touched it with his pen in the middle.  His voice became mechanical, clinical, as if he were reading instructions.  “This is the c-spine MRI we ordered.  I took a look at it earlier this morning.  The radiologist already interpreted it.”  His touched his pen to the MRI.  “This is your cervical spine.  This is your spinal cord.”  He drew in a short breath.  Denise shifted forward.

“See these spots here?”  He tapped his pen up and down the MRI.  “These are lesions on your cervical spinal cord.”

Her heart quickened.  Did he say lesions?  Denise thought.  Cancer?  She looked at her husband.  He was staring intently at the MRI, mouth slightly open.

“From what I can tell, these lesions are the early signs of multiple sclerosis.  The radiologist agrees.”  The doctor stared directly at Denise.  Denise was struck cold and motionless.

“What?  MS?”  Her voice failed her.  She half-whispered, “Are you sure?”

“Yes, Ms. Johnson.  These spots show demyelination in a pattern unique to MS.  We’ll do more testing.  We’ll definitely need a spinal tap.”  Did he say spinal tap?  “But the non-invasive testing we’ve done so far, such as coordination tests, support this diagnosis, too.”  He pointed to her side.  “Especially your right arm.”

He then placed a finger to his eyes.  “And your vision issues are associated with what’s called optic neuritis, a common MS symptom.”  He took a breath.  “I’m sorry.”  The words lingered like black ribbons in the air.  No smiles.  No vacation.  Nothing happy.  Darkness around me.

Denise stared back and forth blankly at the two men.  They looked at her and said nothing.  She spoke to the ceiling light.  “MS?  How could I get MS?”  Then she looked at the doctor.  “Can it go away?  Can I take medications?”

“MS, once confirmed, is not curable.  We can stall it, sometimes for years, but it gradually becomes more symptomatic.  The medications, if covered, do have side-effects.”  The rest of the appointment, questions about insurance, medications, treatment, and other particulars were swept away in her private, spinning tunnel.  MS?  She felt so alone.  Am I going to die?  Hands on her face under her veil of long brown curly hair, she quietly sobbed.  Her head shook slightly, uncontrollably.  Trapped.

Hands touched her forearms.  Warm, muffled words came in assuring tones.  More apologies.  Appointment over.  Her husband and nurse guided her out.  Aseptic smells of rubbing alcohol wafted in and out.  Strange, sad eyes tracked her through the waiting room.  The car ride home was numb and quiet.  She sat at the kitchen table.

Soon, she took a fitful nap.  She awakened later and looked out her bedroom window.  Dusk.  She heard her girls murmuring outside the bedroom door.  “Mom needs time,” her husband quietly told them.  The sounds of voices trailed away.  Her cheeks were tight with dried tears.

Alone with MS.  So alone.

In the long nights that followed those days, Denise had dreams of when she was a child.  It was summer at the cabin.  She was at the lakeshore at an isolated swimming hole.  It was mid-afternoon.  Bright sunlight danced overhead.  A warm breeze brushed her arms.  Broad groups of white clouds hung tightly against the bright blue sky.

In one quick movement, her boy cousins grabbed her by the arms and legs and threw her into the lake.  They were laughing.  She couldn’t swim.

The rush of cold water made her small, 5-year-old heart pound.  Her arms and legs, flaying in panic, scrambled for mooring.  Her feet stepped up an invisible ladder.  She turned her body toward shore and went deeper underwater.  She breathed in water.  Bubbles surrounding her offered no air.  Her cousins yelled for her.  Parts of her name registered deep within her.  Flits of light and brown cedar water rushed above her head.

Then Denise would wake up, scared and sweating.

 

A few months into her diagnosis, work proved more difficult.  Coworkers stopped talking when she walked by, looking like they felt guilty to be happy.  She made more mistakes, including a few brushes with missed deadlines.  Her close friends helped her complete reports, while those less close to her became less friendly.  Sick days came more often, often without warning.  Denise was falling behind.

One night in bed, her husband turned on his bedside light, sat up, and looked at her sternly.  “The doctor told us that stress is makin’ your MS worse, and you just aren’t the same.  I don’t want that freakin’ hospital stealin’ your health from you.  It’s not worth it.”

Surprised but tired, Denise answered, “What about money?  Don’t we need my income?”

“Maybe I’ll become shift supervisor.”  He said it, but his voice betrayed him.  His factory job was the best he could get in their small Minnesota town, but hard work was only rewarded with more work.  “We’ll save more.”  They already cut expenses.  A lot.  He added, “The girls could use you at home after school.  And you could do things around the house when you are up to it.”  Neither knew what she would be “up” to doing.  Neither asked.

At least his job gave them medical insurance.  But the lean cords of survival tightened.  And despite cutting expenses, they juggled surges of bills, calling for more time on late ones.  Savings were meager.  Their two daughters were in high school.  College was a dark cloud overhead that no one dared to look up and see.

With Denise and her husband committed to her staying home, Denise went to her appointments, took Rebif injections, had good periods, and suffered through difficult relapses.  She learned how to moderate her activity, planning errands over different days.  She did chores as she could, getting help when she could get it.

Her relapses, however, stole more coordination – bit by bit – each round.

Her husband got overtime hours when he could.  Her daughters pitched in around the house, sometimes making dinner.  Denise thought they were good kids, but they were too young for the weight they carried.  This, in turn, weighed on her.

Mundane errands became walls.  Grocery shopping was impossible for her to do alone.  Her close friends called and visited.  But some days, she didn’t want to answer the phone.  She sat alone at the kitchen table.  She was tired and stressed.  Life for her became cold coffee that she had to swallow.

In the darker afternoons of the shorter winter days, she sat at the table and cried.

Fatigue, a frequent intruder, stole her energy and lurked behind her every movement.  Her eyes felt heavy.

But help was coming.

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.

View all author posts →


What Happens at a Social Security Hearing? Prelude and Chapter 1

A Legal Story

[The following chapters are part of a series that explains what happens before, during, and after a Social Security hearing from an experienced Social Security benefits attorney.  Client names and particular fact patterns were changed to protect confidentiality.]

Prelude

Monday, June 3, 2013.  Johnson’s House.  Mid-afternoon.

Sitting alone at her kitchen table, Denise was worried.  A rhythm of raindrops caressed the window screen.  Fall colors filtered through the window, casting stained glass shapes onto the tile floor.

What would her Social Security hearing be like?  What could she say to a judge?  She’d been out of work so long.  “Five years?” she muttered to herself.  And now, for two years, she’d worried about her Social Security hearing.  It was next week.

Her soft brown eyes reddened.  It was about all she could bear.  What if she lost?  Will we lose the house?

With her unsteady left hand, she took a small sip of coffee.  She choked as it went down the wrong way.

Chapter 1

The Mug

October, 2008. 

It was a rainy Monday morning.  Green was giving way to orange and yellow on the leaves of the trees.  Denise did not mind her part-time accounts receivable job in the billing department of the county hospital.  Although it was repetitive, it brought home money to pay the expanding bills while the girls were in school.

She rubbed and squinted her eyes.  The columns of numbers on her computer monitor were blurry.  She never wore glasses, she thought.  Are my eyes going?  She felt dizzy.  The flu?   She felt her head.  No temperature.  She looked around.  Her friends were at work, their glazed eyes fixed to computer monitors.  Each were bored but busy in their pale gray fabric work cubicles.

She was tired.  Dead tired.  She looked up at the hallway clock.  Just past 10 a.m.  Only 10?  She heard the red second hand ticking.

And she was weak, more on her right side than her left.  She lifted up her right arm and turned her palm up toward her.  Maybe she had overdone it yesterday.  She mentally went through a checklist of her activities the day before.  X’s on her pinned-up calendar announced days already past.  Yes, yesterday was Sunday.  It’s only Monday?  Why does it feel like later in the week?  Her weakness was different, as if it came from the inside.

Had I eaten breakfast?  She felt a little nauseous.  The coffee in her yellow smiling face mug was cold and half-empty.  She looked at it.  Today, its smile mocked her.

I’ve been clumsy these days, too.  She looked under her desk at her right foot.  She had taken off her right shoe once she got to work.  In the shower, she noticed her right little toe was black and swollen from jamming it into a kitchen chair the day before.

Man, that throbs.  I hope I didn’t break it, she thought.  Maybe I could get an x-ray during lunch from Joe in radiology.  She winced, held her breath, and carefully wiggled her toe.

A half hour later, she felt a strong wave of nausea and odd crawling sensations in her right arm.

She questioned herself again.  Did I get enough sleep?  Her boss had been pressing her department to work faster.  She looked at her right hand.  Carpal tunnel?  Her friend Sandy had that last year.  She bent her right wrist inward.  I don’t want to have release surgery like she had.

A peculiar tingling sensation went through her body, like a hot, itchy electric wire was turned on and was fed down into her right arm.  Her body, in some way, wasn’t hers.  What the hell did I do? 

The second hand ticked more.

 

The next morning, Denise made coffee for her and her husband.  Clumsy movements.  Jamming fingers.  Nausea.  Sore right toe.  Electric jolts shot into her right arm.  She spilled coffee grinds on the counter past the coffee filter.  “Damn,” she muttered under her breath.

When the brew cycle completed, she poured a cup of black coffee for her husband.  With her right hand, she extended it to him.  His ceramic mug paused in the air between them.  He looked at her funny, catching her glance before they both looked at her right hand.

Something was different.  Time slowed down.

Sensing her right arm was weak, she tried to strengthen her grip.   No response.  Their bridge of arms collapsed between them.  In slow motion, she watched her right hand loosen.  The mug came out.  She couldn’t react, just watch.  With a loud crash, pieces of ceramic and black coffee splattered across the tile floor.  Circles of steam rose up and encircled their feet.

That morning, her right arm was not hers.  And she was tired, so tired.  Denise needed to find out what was wrong.  Soon, she would.

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.

View all author posts →


Can Bankruptcy Help Me with Tax Debt?

Tax debt can be a huge burden for many people. What a lot of people do not know is both Chapter 7 and Chapter 13 bankruptcies can help consumers with tax debt owed to the IRS.  First, it is important to understand the basic differences between the two types of consumer bankruptcy and how tax debt is handled in the different bankruptcy processes.

A Chapter 7 bankruptcy is a great option for people who are unable to make payments on their debt, and are looking for a fresh start to get rid of their unsecured credit cards, medical debts, judgments and other deficiency balances or overdrawn accounts. In a Chapter 7, most tax debt accrued 3 years prior to filing bankruptcy is also dischargeable.

A Chapter 13 bankruptcy is a great option for people who have a little extra income each month that allows them to pay back a portion of their debt to their creditors in a bankruptcy. A Chapter 13 bankruptcy also allows the consumer to pay back any tax debt they owe in more recent years through a manageable monthly payment in the bankruptcy.

Tax debt can be a large portion of a person’s debt and can be the deciding factor in why they ultimately choose bankruptcy as an option to get a fresh start from past debts.  The professional bankruptcy attorneys at Hoglund Law Office are happy to sit down with you to discuss and review your tax debt and discuss your bankruptcy options. Please contact our office to set up a no-cost consultation.

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.

View all author posts →


Twitter, Facebook, and Emailing about your Bankruptcy case

Tweeting, Facebook posting, emailing, and even cybersquatting on website domain names can and will affect the outcomes of a pending bankruptcy case.  As tempting as it is to post negative status updates about your creditors or of a debtor’s balance sheet or personal identification information, a person’s best bet is to let knowledgeable and experienced bankruptcy attorneys handle the matter.  Two recent bankruptcy cases (and probably more to come) clearly have demonstrated that it does not pay to announce to the world your involvement in a pending bankruptcy case or attempt to settle the score through electronic means.

A Fourth Circuit case, In Re Jessica J. Bolin, 22 CBN 12, 2012 WL 4062807 (Bankr. D.S.C. 9/13/12) found that email and Facebook notifications involving information pertinent to a pending bankruptcy case do not bode well.  The website designer debtor listed a business owner that had commissioned the debtor to make a website as a creditor in the designer/debtor’s bankruptcy.  The business owner creditor received notice of the debtor’s bankruptcy filing and answered with harassing and negative emails demanding her money.  Additionally, the jilted business owner/creditor conveniently leveraged the debtor’s social security number and posted nasty remarks on the debtor’s personal and business Facebook page, damaging the debtor’s business further.  The creditor ignored the cease and desist requests trying, as hard as she could, to collect the debt owed to her.  Eventually, the judge found for the debtor, holding that the creditor violated the automatic stay provisions and had committed sanctionable offenses with the Facebook posts and harassing emails.  #gottalovepunitivedamages

In Her Inc., et al., v. Barlow (In re David E. and Maria E. Barlow), 22 CBN 20, 2012 WL 4465503 (Bankr. S.D. Ohio 9/26/12), a Sixth Circuit case, a defendant debtor cybersquatted when he registered five Internet domain names in bad faith to “prove a point”.  The debtor-husband acquired domain names that were similar to the plaintiffs’ names and linked website visitors to the plaintiffs’ commercial competitors and critical and disparaging emails that attacked the plaintiffs’ businesses.  The debtor-husband was found to have cybersquatted- that is- registering or using a domain name identical or confusingly similar to another’s registered trademark or service mark with the bad faith intent of making a profit under the Anticybersquatting Consumer Protection Act.  The plaintiffs were awarded $120,000 in statutory damages, as well as attorney’s fees.  The damages were not dischargeable under Section 523 (a)(6) and the Court noted that such fees “are required only in exceptional cases where there is malicious, fraudulent, willful, or deliberate infringement.” #cybersquattingmeansheftystatutorydamages

So instead of damaging or completely throwing your pending bankruptcy case out to the delight of your adversarial creditor, you should “like” Hoglund Law on Facebook and leave the Internet and social media for their intended uses- funny cat videos and tweeting about that awesome dinner your significant other made for you the other night. #Hoglundlaw=Minnesota’spremierbankruptcyattorneys

Sources: In Re Jessica J. Bolin, 22 CBN 12, 2012 WL 4062807 (Bankr. D.S.C. 9/13/12)

Her Inc., et al., v. Barlow (In re David E. and Maria E. Barlow), 22 CBN 20, 2012 WL 4465503 (Bankr. S.D. Ohio 9/26/12)

Consumer Bankruptcy News Volume 23 Issue 1, October 23, 2012

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.

View all author posts →


Bankruptcy and Credit Scores

A credit score is a reflection of your credit history. Filing a bankruptcy will show up on your credit report and be reflected in your score. However, this is not as bad as one might think. Most people that file bankruptcy already have negative credit reporting affecting their credit score, so a bankruptcy doesn’t actually lower their score by much. Another consideration is that filing bankruptcy puts a person in a different “peer group” for purposes of determining a credit score. “Peer groups” are used by FICO to compare consumers against other consumers in similar situations. Bankruptcy filers are a separate group. Once a person files, their credit worthiness will be compared to other people who have also filed.

When someone with a low credit score decides that they want to improve their score, they need to know how to go about doing so. Doing things like opening new lines of credit or closing existing accounts to improve your credit score will do very little to improve your score in the short term. Simply put, you have the power to create the credit score that you want to have, you just need to have patience and put in the effort over time. The most important factor is simply to make payments to your creditors on time every time. However, there are other things you can do to help build a solid credit history. Keep balances low on revolving lines of credit, such as credit cards, and open new credit accounts only when you have to. Be wary of offers to move debt from one credit card to another, it is better to pay off debt than to transfer it. Remember that there is no quick fix to improving a credit score and don’t believe anyone who tells you different.

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.

View all author posts →


How Does Bankruptcy Affect My Credit?

Many individuals fear that filing a bankruptcy will hurt their credit score and prevent them from getting further credit. While there are many factors involved in a company’s decision to provide financial products to an individual that has filed bankruptcy, it is important to remember that persistence will pay off in the long run and knowing your options is key.

It is important to understand the time frame that is involved when filing either a Chapter 7 or a Chapter 13 bankruptcy and how that will affect your ability to repair your credit. Typically, it takes anywhere from one to three years to repair your credit after a bankruptcy has been filed.

One common misconception is that filing a Chapter 13 bankruptcy will affect your credit less than a Chapter 7 because you are paying off your creditors. In a Chapter 13 bankruptcy, you use your income to pay some or all of what you owe to your creditors over time, from three to five years, depending on the size of your debts and income.  A Chapter 13 bankruptcy affects your credit score the same way that a Chapter 7 does, only the time frame for credit repair is greater because you are in the bankruptcy process for three to five years while you are paying off debt to your creditors.

A Chapter 7 bankruptcy, on the other hand, discharges many of your debts and can be filed within a few months. Therefore, the process is much shorter, and the time it takes to repair your credit is less.

It is important to understand your options and how bankruptcy will affect your credit. Knowing your options is crucial to alleviate your fears and misconceptions about the bankruptcy process. Please contact one of our professional bankruptcy attorneys at Hoglund Law Office to discuss your specific situation and find out whether a Chapter 7 or Chapter 13 bankruptcy is right for you.

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.

View all author posts →


Hidradenitis Suppurativa and Social Security Disability

According to the Mayo Clinic, Hidradenitis Suppurativa (HS) is chronic inflammation and deep lesions of the skin, particularly in sensitive areas of the armpits and groin.  Possible causes are thought to involve a combination of genetics, hormones, and other factors.  HS may impact 1-2% of the population, but absolute numbers are uncertain.

Given how relatively rare this medical condition is, our attorneys at Hoglund Law Offices have successfully represented a surprising number of clients with Hidradenitis Suppurativa in Social Security Disability benefits claims.  Our clients have typically worked for over ten years or more with symptoms before succumbing to the progressive lesions and pain despite surgical intervention.

How does Social Security Disability evaluate Hidradenitis Suppurativa?  Social Security verifies the diagnosis first.  In my experience, records usually carry ongoing primary care treatment for recurring boils that require in-office lancing.  Of concern, I have seen some medical record histories that initially fail to specifically diagnose HS until these lesions have persisted in various forms and locations for a few years.  There are possible reasons for this that I address below.

Social Security reviews Hidradenitis Suppurativa claims under a special definition of disability called a listing.  Here is the “listing” that Social Security applies to claims based on Hidradenitis Suppurativa:

Listing 8.06

Hidradenitis suppurativa, with extensive skin lesions involving both axillae, both inguinal areas or the perineum that persist for at least 3 months despite continuing treatment as prescribed.

How do our Social Security disability attorneys at Hoglund Law Offices get approvals at Social Security hearings for clients with Hidradenitis Suppurativa?  In our experience, the timing of the diagnosis may be an issue.  I argue to judges that the nature of the HS lesions may not, in themselves, manifest themselves to physicians initially – particularly if my clients see different primary care physicians from appointment to appointment or change facilities from time to time.  Over time, however, the diagnosis of HS should relate back to previous care for the symptoms.  Our attorneys can offer advice to get retrospective input from these physicians.

Deficiencies in the medical evidence of HS may relate to the location of the lesions.  My clients may attempt to suffer through a period of HS lesions in private areas of their bodies.  Despite the Social Security Administration’s assumptions, it is not always easy to seek care for personally sensitive problems.  I argue to judges that a delay in diagnosis, in these instances, has more to do with social factors.  Reporting the full constellation of symptoms right away has been difficult for some of my clients.

What should your Social Security Disability attorney know about Hidradenitis Suppurativa?  In my experience, it is common to have judges and medical experts who are unfamiliar with HD.  I understand that Social Security judges must review many kinds of medical claims.  I speculate that medical experts (ME’s) at hearings, however, may not be as familiar (and miss) Hidradenitis Suppurativa because it is a dermatological condition that may not normally arise in other specialty areas.

What must your Social Security disability attorney do at your Social Security hearing?  He or she must raise the issue of Listing 8.06 and point out the diagnosis, duration, location, impact, and daily care duties that impede full-time employment.  Additional legal documentation has proven helpful in our clients’ claims.  Call us at Hoglund Law Offices today if you are interested in the experience our Social Security attorneys can offer you to apply or appeal your Social Security Disability claim.

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.

View all author posts →


Disability Claim Denied? Denied Social Security? Appeal!

Notice of Disapproved Claim for Social Security Benefits
If you apply for social security disability or SSI benefits, you may be staring at a letter that states, “Notice of Disapproved Claim” on top. What does this mean? It might be means that you are denied social security benefits. Is this usually the end? No, you should likely appeal this denial. The social security administration denies a lot of people for social security disability benefits that are later approved after appealing. Unfortunately, some people give up when they get denied. Don’t give up. If you have serious medical problems that will keep you out of work for at least one year, keep reading.
Should I appeal my social security benefits denial? For our clients, this is usually a given. At Hoglund law offices, we expect to fight through two denials to get to a social security disability hearing. Keep in mind this: Social Security outsources the first two decisions in social security claims. What does this mean? Technically, social security does not make the first two decisions. Social security hires state agencies to make the first two medical decisions about your ability to work. And the state agencies use their own state agency doctors that you will never meet. In our legal opinion, the disability standards are too high and the review is misleading at the application and reconsideration levels. We tell our social security disability clients every day that we are helping them appeal. And we do it. Daily.
What does a “Notice of Disapproved Claim” really mean? It means that you have a deadline to appeal or your case is closed. The instructions to appeal are in your denial letter. At Hoglund law offices, we help our clients appeal denials like yours. We make sure these denials are in on time. And we get receipts to prove it.
Can I hire Hoglund law offices to help me when I’m denied? Yes. We help people at different stages. It depends when the call in.
We know that in a perfect system, the right people would be approved for disability benefits when they should be. But this doesn’t always happen. In fact, social security hearings actually apply the law the right way. At social security hearings, our licensed attorneys are standing next to you making legal arguments, cross-examining experts, and making sure the judge understands the medical evidence in your favor. Our lawyers fight for approvals at social security hearings on almost every working day of the year.
So if you have gotten denied social security disability benefits, you’re not alone. You absolutely need to appeal to get approved. Expect to go to a social security hearing with your lawyer to have your best chance to get the benefits you deserve.
What if I missed my appeal deadline for Social Security benefits? There can be good cause. You must act quickly and document why you do not appeal on time. This sometimes works, and sometimes doesn’t. Your Hoglund lawyer can give you a legal opinion about whether it is worth trying to appeal vs. refiling a new claim. Call us today, and we will let you know if we can help you. We charge nothing unless you are approved for social security benefits. Our fees are limited to ¼ your back payments. There are no other charges. Call now.

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.

View all author posts →


Boost in Minimum Wage for Some States

Eight States which include Arizona, Colorado, Florida, Montana, Ohio, Oregon, Vermont, and Washington all raised the minimum wage to keep pace with inflation.  The increase in these States ranged between 28 and 37 cents per hour and will take affect January 1.  More than 1.4 million low-income earners will see their wages go up on New Year’s Day.  While the Federal minimum wage is at $7.25 an hour, workers in Washington State will earn a minimum of $9.04 thanks to their recent wage increase.  18 States total, including Washington, D.C., have rates above the federal level.

The wage increase in the aforementioned states will result in an extra $582 to $770 a year for full-time workers.  The non-profit advocacy group, National Employment Law Project contends that the minimum wage increases will act as a mini-boost to the economy.  The expected increase in wages will result in an increase in those wages being spent, which is projected to add $366 million to the nation’s gross domestic product.  The National Employment Law Project also projects that the minimum wage increases also will result in a creation of more than 3,000 full-time jobs.

Paul Sonn, legal co-director at NELP states, “Increasing minimum wage is a key form of local stimulus.”  The increase in wages will put money back into the pockets of low-income families who will then spend that money at the local businesses.  Paul Sonn also believes that the eight states that are raising their minimum wage on January 1 are protecting themselves in case Congress can’t reach an agreement to extend the payroll tax break beyond February.  He believes that the boost in incomes for individuals living in those eight states will more than offset the loss that could come from the inability of Congress to extend the payroll tax break.

 

Source:

Blake Ellis, Minimum wage increases for workers in eight states, https://money.cnn.com/2011/12/23/news/economy/minimum_wage_increases/index.htm?iid=Popular (accessed 12/27/11)

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.

View all author posts →


Mixed Feelings on the Current Housing Market

Some economic experts and analysts contend that there is little chance for a housing recovery.  That extremely pessimistic outlook is not based on feelings, but upon solid economic data.  The year of 2011 was a sad story for the housing market.  The market saw record low 30-year mortgage rates with few people taking advantage of the rates to buy new homes.  The New Year is likely to bring much of the same.  Doug Duncan, vice president and chief economist at Fannie Mae, contends that there might be a slight uptick in houses sold but the home prices likely will be down.  This means that although more houses will be sold in 2012, the total amount of money spent on purchases is likely to be the same as in 2011.

Despite the fact that the Federal Reserve has pledged to keep rates low through 2013, many content that because of the high unemployment and the historically low home prices, there will be no recovery of the housing market for the foreseeable future.  Last year saw a total of $1.3 trillion in home lending, which is down from $1.7 trillion in 2010 and $3.3 trillion in 2005.  Another disturbing figure is the fact that much of the $1.3 trillion in home lending last year did not result in new home purchases.  Approximately 4 out of 5 mortgage applications were for refinancing current mortgages.  Borrowers were taking advantage of the historically low rates, which averaged less than 4%, not to purchase new houses, but to refinance their current homes.

Not all analysts predict such doom and gloom for the housing market.  Others are optimistic about the future of the market.  Former top economics advisor to the White House and Wells Fargo & Co., Sung Won Sohn states, “Housing has hit the bottom and has begun to heal slowly.”  The events that have taken place over the past few years have “set the stage for a rebound” as Sung contends.  Whether or not we are to see a recovery in the near future most would contend that given the extreme damage that was inflicted on the housing market any form of recovery is likely to be slow.

 

Source:

E. Scott Reckard, Low mortgage rates likely to continue through 2012, experts say, https://www.latimes.com/business/la-fi-mortgage-rates-20120103,0,2240865.story (accessed 12/4/12)

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.

View all author posts →


An Alternative Treatment for Arthritis

A procedure known as platelet rich plasma, or PRP injections, are being used to alleviate arthritis and other joint pain.  Avivia Gianetti is an active golfer who is in her late 50s.  However, soreness and pain running down her arms left her unable to play her favorite sport.  Not keen on the idea of surgery, her doctor suggested a new procedure known as PRP.  The procedure allows the patient to be relieved of pain without having to go under the knife.  In the procedure, the patient’s own plasma, a natural nutrient found in blood, is separated from the blood cells and injected into the damaged joints.  The PRP injection helps repair damaged cartilage and joints.

Notable athletes such as Kobe Bryant and Matt Forte have been using PRP to alleviate joint pain; however, baby boomers may want to take advantage of this alternative to surgery as well.  Due to the aging baby boomer population joint replacements are rapidly growing.  Knee replacement surgeries have doubled over the past decade.  Although many experts contend that PRP injections are not a proven substitute for surgery, they may be a good option for some.  Dr. Jazrawi states, “This is certainly, potentially one treatment option that may be utilized, but it’s not the magic bullet.”

Dr. Jazrawi uses the PRP injections most often in the treatment of chronic arthritis.  Patients are able to schedule a quick visit with Dr. Jazrawi to receive the injections.  And more often than not, one quick injection in Dr. Jazrawi’s office will allow a patient to get right back to their active lifestyle.  Dr. Jazrawi notes that PRP should not be the first-line of treatment.  Instead, he suggests that patients maintain an active and healthy lifestyle with dieting and exercise.  There is always a risk in applying new technology, and Dr. Jazrawi asserts that he does not want to apply this new technology in a haphazard manner.

 

Source:

Lara Salahi, Cutting Edge: Joint Injections Heal Baby Boomer Arthritis, https://abcnews.go.com/Health/Wellness/cutting-edge-joint-injections-heal-baby-boomer-arthritis/story?id=15214643 (accessed 12/22/2011)

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.

View all author posts →


Historic Low for Mortgage Rates

In the 40-year history of Freddie Mac’s Primary Mortgage Market Survey, interest rates on a 30-year fixed-rate loan is the lowest it has ever been.  Just in time for the holidays, the mortgage rate on a 30-year mortgage is now 3.94%.  Mortgage rates have been falling over the entire year, and since the beginning of the year, the rate has fallen .9%.  Frank Nothaft, Freddie’s chief economist notes the decrease in rates over the year results in a savings of $1,200 a year for a homeowner with a $200,000 mortgage.

These low rates are resulting in an increase in home sales, which is a good sign for the economy.  This past month saw the greatest new home sales since January.  Senior financial analyst at Bankrate.com, Greg McBride, contends that mortgage rates should remain low for much of 2012.  “For well-qualified buyers, interest rates should be no impediment to home buying in 2012,” said McBride.

Existing homeowners are taking advantage of these historic rates by refinancing their old loans into more affordable ones.  Nearly 80% of all mortgage applications last week came from existing homeowners.  McBride expects that lenders will ease up on borrowing requirements only slightly.  Some lenders are starting to require only a 720 credit score, where previously a 740 credit score was required for the best mortgage rates.  These baby steps will, however, help more people gain access to these historic rates.

 

Source:

Les Christie, Mortgage rates hit another record low, https://money.cnn.com/2011/12/22/real_estate/mortgage_rates/index.htm?iid=HP_LN (accessed 12/22/2011)

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.

View all author posts →


Dispute over whether Scottie Pippen filed for bankruptcy

Former Chicago Bulls star, Scottie Pippen, most notably known for his time playing alongside Michael Jordan in the Bulls six NBA championships, has filed a multimillion-dollar federal lawsuit Tuesday, December 13, 2011.  The lawsuit claims that several websites and media outlets falsely accused Scottie Pippen of filing for bankruptcy.  CNBC.com was among one of the many news outlets that reported Scottie Pippen’s alleged bankruptcy filing.  CNBC.com had listen Pippen in one of the “15 Athletes Gone Bankrupt.”  The article went on to mention that Pippen had lost $120 million in career earnings, including a $4 million corporate jet.

Scottie Pippen contends that all the reports about his bankruptcy are completely false and still has “substantial net worth, which has not been less than approximately $40 million in the last 10 years.”  The federal lawsuit names Comcast Corp., General Electric Co. and CBS Corp, among others.  The lawsuit contains three claims including negligence, false light and defamation.  The suit seeks approximately $9 million in damages.

 

Source:

Allison Horton, Scottie Pippen files suit against those who said he filed for bankruptcy, https://www.suntimes.com/sports/basketball/bulls/9426888-579/scottie-pippen-files-suit-against-those-who-said-he-filed-for-bankruptcy.html (accessed 12/13/2011)

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.

View all author posts →


Beating Type 2 diabetes may be just that simple

In an astounding study presented at Chicago’s Radiological Society of North America, a team from the Leiden University Medical Center found that Type 2 diabetes can be eliminated in patients in just four months.  What is the cure for Type 2 diabetes?  The answer to that question is simpler than you might think.  A low-calorie diet has shown effectively to cure Type 2 diabetes in just four months.

The Leiden University Medical Center in the Netherlands conducted a study that included seven men and eight women with Type 2 diabetes.  Each subject consumed just 500 calories a day for four months.  At the end of the study, the low-calorie diet effectively eliminated insulin dependence and reduced the amounts of dangerous fats around the heart in all 15 of the patients.  “It is striking to see how a relatively simple intervention of a very low-calorie diet effectively cures Type 2 diabetes,” said lead researcher Sebastian Hammer.

This extreme dieting may have long lasting effects as well.  In a similar study conducted by Newcastle University in the United Kingdom, many patients in the study remained disease free even several months after completing the program and returning to a normal diet.  Although the results of these tests are very promising, doctors warn that this type of therapy is not for everyone, and patients should consult with their doctors before beginning this type of reduced-calorie diet.

 

Source:

Yahoo! News, Reduced-calorie diet could beat diabetes in four months, https://news.yahoo.com/reduced-calorie-diet-could-beat-diabetes-four-months-164141607.html (accessed 12/6/2011)

 

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.

View all author posts →


Mixed Reviews in light of Social Security Administration’s Changes

Earlier in the year, the Social Security Administration in Baltimore decided to implement changes in the federal disability benefits program to reduce the straining backlog of applications.  The Social Security Administration implemented new medical examination policies, which Social Security Administration spokesman Mark Hinkle contends, “decisions are timelier… but this does not mean we are sacrificing quality for speed.”  However, some doctors have criticized some of the new policies.

New policies resulted in a vast increase in the number of people receiving benefits.  Doctors have been working harder and faster to meet the Social Security Administrations new standards.  The new policy resulted in a pay cut for doctors unless they were able to work faster to get through more cases.  Additionally doctors were required to stray farther from their areas of expertise.  As a result of the policy change, 45 of the 140 doctors working in the Baltimore offices either quit or were fired.

After implementation of the new procedures in Baltimore, eye doctors were assigned back-pain cases, dermatologists reviewed strokes, and gastroenterologists reviewed cases of deafness.  Although doctors receive extensive training in a broad range of cases, some of doctors have not examined certain medical issues in years.  As a result, Dr. Novin notes that some people who shouldn’t be getting benefits are getting it, and some people who should be getting it aren’t getting it.  Dr. Novan, the former chief of surgery at Baltimore’s Harbor Hospital contends that he was fired because he was pressured by a supervisor to change his medical opinion and award benefits when he did not believe the person was prevented from working.

The Social Security Administration previously has tried to improve the medical screening process; however, little success has resulted.  The Social Security Disability program certainly has not been an easy program to fix.  The agency is under extreme political pressure to reduce the backlog of cases, but at the same time, the changes in medical procedures is creating problems of its own.  Whatever, the final consensus is in Baltimore will surely affect the program in the rest of the country.  Many consider the Baltimore the flagship office of the Social Security Disability program.

Source:

Damian Paletta, Doctor Revolt Shakes Disability Program, https://online.wsj.com/article/SB10001424052970204621904577016221945984492.html (accessed11/22/2011)

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.

View all author posts →


Sometimes Income Taxes Are Dischargeable In a Bankruptcy

As a general rule taxes are nondischargeable in a bankruptcy. However, in some circumstances, income taxes can be discharged in a bankruptcy. In order for income taxes to be eligible for a discharge in a bankruptcy, the taxes must have been filed for at least two years and the taxes must have been due and owing for at least three. For example, 2007 taxes became due and owing in 2008 and they can therefore be discharged after April 15th in 2011 assuming that they were filed on time in 2008. There are some qualifications to this. If certain events have occurred during the three year period, the taxes will not be discharged. For example, an assessment will cause the waiting period to be extended. There are a variety of other tolling events. It is best to get a professional opinion regarding the dischargeability of taxes before assuming that a bankruptcy will wipe out the obligation.

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.

View all author posts →


Credit card use is making a comeback

Consumer spending over the last three quarters of 2011 has shown a reversion to credit card use over debit card.  Silvio Tavares, senior vice president at First Data, which processes card transactions for 4.1 million merchants, notes that “Consumers have spent the last couple of years de-leveraging and reducing credit card use, but the past month — and since April — they’ve been using their credit cards more and are starting to return to pre-recession buying.”  The first quarter of 2011 saw an 8.2% increase in credit card use, followed by a 9% increase in the second quarter and a 10.6% increase in the third quarter.  On the other hand, debit card use increased by 9.6%, 8.3%, and 5.9% in quarters one, two and three respectively.  On black Friday alone, credit card use jumped 7.4% from the same day a year ago.

A major contributing factor to the rise in credit card use is that the banks are encouraging consumers to switch from debit to credit.  Credit card use is more profitable and cost effective for banks compared to debit/checking accounts.  To get consumers to make the switch, credit card mailings have increase 85% since early 2010, and many of these credit card offers come with new perks such as rewards points, miles, or cash rebates.  The number of credit cards offering such perks has increased over the past two years from 6 out of 10 of the credit card offers in 2009 to 8 out of 10 credit card offers today.

Analysts believe that an increase in credit card offers will continue to intensify as debit cards become less cost-effective for banks.  Banks have started to raise checking account fees and charge debit card usage fees, all of which is part of the attempt to get consumers to switch to credit cards.  Although consumers will not be charged with the same usage fees on their credit cards, Bill Hardekopf, CEO of LowCards.com warns consumers to pay off their balance each month because the interest payments will be much greater than any new debit card fee.

 

Source:

Blake Ellis, Credit card use is on the rise, https://money.cnn.com/2011/12/05/pf/credit_card_use/index.htm?iid=SF_PF_LN (accessed 12/7/11)

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.

View all author posts →


Denny Hecker may have hidden assets

While the once large auto business network owner Denny Hecker serves out his 10-year sentence in the Duluth Federal Prison Camp, bankruptcy trustee Randy Seaver is on the search for hidden assets.  Randy Seaver, assigned trustee in handling the bankruptcy estate of Denny Hecker, believes that there are hidden assets and the persons may have been aiding and abetting Hecker while he in prison.  To begin his search, Seaver has asked for permission to question several people close to Hecker and his wife Christi Rowan-Hecker.

David Leibowitz, a bankruptcy expert from Chicago believes this is a bit of a fishing expedition on Seaver’s part, but contends, “Seaver obviously feels there’s a fish in the water here.”  Leibowitz goes on the mention that this activity is consistent with the aggressive manner in which Seaver has handled the case.  Seaver has sought to speak with Hecker’s second wife Sandra Hecker, Hecker’s former lawyer John Neve, as well as and Barbara Tourville, George Johnson, and Molly Jensen, all of whom have allegedly put money in Hecker’s prison accounts and have been assisting him in business and financial matters.

Rowan-Hecker, who married Denny via telephone back in March, recently was released from a federal prison in Illinois to a halfway house in Minneapolis where she will finish out her 14-month sentence for bankruptcy fraud.  This is a typical procedure for inmates nearing the end of their sentence to be transferred to a halfway house for the last one to six months of their sentence.  During this time at the halfway house, Rowan-Hecker will be assisted in finding a job and helping her return to society.

 

Source:

MaryJo Webster, Hecker trustee seeks hidden assets; Rowan released to Minnesota halfway house, https://www.twincities.com/business/ci_19489778 (accessed 12/9/2011)

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.

View all author posts →