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What is the difference between a Chapter 7 bankruptcy discharge and a Chapter 7 bankruptcy dismissal? I want the best possible outcome in my bankruptcy case. Do I need a bankruptcy lawyer?

In Minnesota, you have the right to be represented by a bankruptcy lawyer.  Debtors who are considering filing for Chapter 7 relief can often benefit from the knowledge and experience of a bankruptcy attorney.

A Minneapolis bankruptcy attorney will, for example, fight hard for your fair and equitable bankruptcy discharge and try to prevent a Chapter 7 bankruptcy dismissal. In bankruptcy, a dismissal occurs when a case is ended by the bankruptcy court prior to a discharge. When a case is dismissed, the debtor does not have the advantages of bankruptcy protection. In other words, creditors may still have claims against the debtor.

When a case is discharged rather than dismissed, however, the creditors that were parties to the bankruptcy no longer have rights to pursue their claims against the debtor. Their claims are considered to be legally satisfied. Thus, a Minnesota bankruptcy discharge can help a debtor move on with his or her life with certainty and with options that may not be present if the case is dismissed.

There is no requirement that you hire a bankruptcy lawyer. Minneapolis debtors have the choice of whether or not to hire an attorney. However, it is important to know that an attorney can help you through the sometimes complicated and complex bankruptcy requirements and work hard to secure your future.

To find out more about filing bankruptcy in Minnesota, please read our FREE book What You Need to Know About Filing Bankruptcy in Minnesota, and call an experienced Minneapolis Chapter 7 bankruptcy lawyer today at 952.388.2942 or 800.619.8991.

Barry Rosenzweig
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Barry Rosenzweig, has 25 years experience as an attorney helping clients solve their legal problems.