You Can Take Control Before It’s Too Late
If you’re lying awake at night, worrying about overdue bills, wage garnishments, or the fear of losing your home, you’re not alone. The thought of filing for bankruptcy can feel overwhelming — but it’s important to remember that you may still have options. Acting early, before your financial situation spirals further, can make a world of difference in protecting your credit, your assets, and your peace of mind.
Why Some People Avoid Bankruptcy (and When They Shouldn’t)
For many people, the word “bankruptcy” feels like failure. They often avoid it at all costs, even when it’s the most logical solution. While bankruptcy can be a powerful tool for a fresh start, it’s not the only path forward — and it’s not always the right one. With sound legal guidance, you can explore alternatives such as debt negotiation, repayment plans, or refinancing before taking that final step.
Work with an Attorney Who Knows Every Option
When you work with an experienced Minnesota bankruptcy attorney like Brea Buettner-Stanchfield, you’re not just getting legal representation — you’re getting a partner who will explore all your options. She can help you determine whether bankruptcy truly is necessary, or whether another strategy can help you resolve your debts without damaging your credit as severely.
Protecting Your Credit and Assets
If bankruptcy can be avoided, you may be able to protect more of your credit score, keep certain assets out of legal proceedings, and maintain stronger relationships with creditors. A skilled attorney can negotiate repayment terms, stop creditor harassment, and even reduce interest rates — all without filing for bankruptcy.
The Risk of Waiting Too Long
Unfortunately, many people delay action until it’s too late for alternatives. If lawsuits, foreclosures, or repossessions have already begun, bankruptcy may be the only option left. That’s why speaking to an attorney early can mean the difference between avoiding bankruptcy and being forced into it.
Debt Settlement vs. Legal Representation
Debt settlement companies may promise quick fixes — but often leave clients in worse shape. High fees, no legal protections, and a lack of guaranteed results make them a risky choice. On the other hand, an attorney is legally obligated to act in your best interest and can use real legal tools to protect your rights.
Take Action Now
You don’t have to face this alone. The sooner you get legal advice, the more options you’ll have to avoid bankruptcy and protect your future. Contact Brea Buettner-Stanchfield at The Buettner Law Group, LLC today for a free consultation — call 612-377-5311 or email our office. Together, we’ll find the path that works best for you.