Minnesota Bankruptcy Lawyer
- Personalized Help for a Fresh Start -
If you’re overwhelmed by debt, worried about wage garnishments, or tired of collection calls, you need more than quick fixes, you need a lasting solution. Bankruptcy is a legal tool designed to give honest Minnesotans a fresh start.
At Friedman Murray Law, we don’t treat you like a case number. We help you understand your options, stop the immediate stress, and move forward with confidence. Every case gets personal attention from our attorney and no case is treated as routine.
How We’re Different from “Bankruptcy Mills”
Large bankruptcy firms often work like assembly lines. You’re shuffled along a conveyer belt with little explanation, left feeling like you don’t matter.
That’s not how we operate. When you work with Friedman Murray Law, you get:
Work directly with your lawyer — not just a clerk or assistant.
Clear communication — every step explained in plain language.
Customized strategy — your life isn’t one-size-fits-all, and neither is your case.
Protection beyond bankruptcy — if creditors or credit bureaus break the law after your case, we step in to enforce your rights.
Beware of “$0 Down” Offers
Many high-volume bankruptcy mills advertise “$0 down” or “little money down” Chapter 7 filings. On the surface, it sounds appealing, but the truth is more complicated.
The U.S. Trustee Program, who supervises the administration of bankruptcy cases, has warned that these arrangements can create real problems for consumers:
Divided representation – With some $0 down agreements, you may only be represented for the bare act of filing. You don’t have a lawyer fully by your side until you’ve signed a second contract after filing and agreed to pay whatever price the mill demands.
Higher total cost – What looks like a bargain often ends up costing more in the long run once financing charges are added.
Dragging in family – Some mills even require a friend or family member to guarantee your fee. That pulls your loved ones into your financial struggles and adds unnecessary stress.
Legal concerns – If not fully disclosed, these fee structures may even violate bankruptcy law.
At Friedman Murray, we don’t play games with pricing. We’re upfront about what you’ll pay and what’s included, so you know exactly what to expect. Our goal is to protect your interests, not to lure you in with gimmicks.
Our Transparent Flat Fee
We believe clarity is key. That’s why we use a simple $2,500 flat fee for most Chapter 7 cases and a $3,500 flat fee for most Chapter 13 cases.
No surprises – Preparing and filing your case, attending your trustee meeting, and guiding you through the process are all included.
No split or “bifurcated” fees – We don’t split fees into confusing “pre-petition” and “post-petition” packages.
No gimmicks – Just straightforward, transparent representation.
Most of our clients appreciate knowing the cost up front. It helps them plan, budget, and move forward with confidence.
On rare occasions, something unusual may come up after your case is filed. In those situations, additional flat fees may apply. But this is uncommon, and we always explain those costs clearly in writing before moving forward.
Types of Bankruptcy Cases We Handle
Chapter 7 Bankruptcy in Minnesota
The most common form of bankruptcy, Chapter 7 eliminates unsecured debt like credit cards, medical bills, and payday loans. It’s typically completed in 3–4 months, giving you a true fresh start. Dive deeper in our complete Chapter 7 guide.
Chapter 13 Bankruptcy (Reorganization)
Chapter 13 is for people who don’t qualify for Chapter 7 or who need time to catch up on mortgage or car payments. It allows you to reorganize debt through a structured repayment plan. Dive deeper in our complete Chapter 13 guide.
Beyond Bankruptcy: Protecting Your Fresh Start
Bankruptcy should bring peace of mind, but sometimes creditors don’t follow the rules. We make sure your rights are enforced:
Debt Collector Harassment (FDCPA) – If collectors chase you for discharged debts, we hold them accountable.
Credit Report Errors (FCRA) – If your credit report is wrong after bankruptcy, we fight to fix it.
Unauthorized Bank Debits (EFTA) – If lenders keep pulling automatic payments, we take action.
Your fresh start deserves protection long after your case is over.
Bankruptcy Resources for Minnesotans
In Minnesota and ready to talk to a lawyer about bankruptcy?
Schedule a free consult with bankruptcy lawyer Todd Murray.
Since 2009, Todd has helped hundreds of Minnesotans get out of debt. His work has saved his clients millions of dollars (and many sleepless nights) in the process. Todd’s clients have described him as “very professional and easy to work with.” He lives in Minneapolis with his wife and four children.
Some ways we’ve helped previous clients
SAVING A HOME FROM FORECLOSURE
A client came to us a week before a foreclosure sale with more than $40,000 in mortgage arrears. They could afford to catch up over time, but couldn’t come up with the lump sum needed to stop the foreclosure. We filed Chapter 13, stopped the sale and forced the mortgage company to accept catch-up payments over five years.
CONSUMER CLAIMS IN BANKRUPTCY
Our client filed Chapter 13 to deal with high credit card debt and collections from debt buying companies. During the case, we found three separate violations of federal law and were able to go after the creditors for legal damages and attorneys fees, and put money back in our client’s pockets.
DEALING WITH TAX DEBT
A Minnesota couple had tax debt from six different years of being self-employed. We were able to wipe out three years of debt, reduce the amount of a tax lien, and pay the remaining debt over a five year period. After five years, our client got out of Chapter 13 bankruptcy debt-free and ready to make a fresh start.