Richfield Bankruptcy Attorney

Call a Richfield Bankruptcy Attorney Now
(651) 639-0313
Call Twin City Attorneys @ (651) 639-0313 for a free phone consultation about debt and credit issues, or click here to e-mail us. There's no charge unless you decide to hire us.

We can't solve every problem, but we have helped many people to improve their credit scores and get out from under crushing debt.

Bankruptcy is a Possible Solution to Many Common Debt Problems:

  • Harassment by Creditors – Are you getting collection calls and letters for bills you can't pay?
  • Robbing Peter to Pay Paul – Are you taking cash advances from one credit card to pay another?
  • Payday Loans – Are you caught in an unending cycle of short-term high interest loans?
  • Foreclosure – Are you in danger of losing your home? If you have a second mortgage, there is a good chance you will be sued after you lose the house to foreclosure. A Chapter 13 bankruptcy might be the best way to save it.
  • Repossession – Have you missed one or more car payments? A Chapter 13 bankruptcy might be the best way to catch up. If your car is repossessed and you are unable to deal with the lender, the car will be sold at a wholesale auction, usually at a heavy loss, and you will probably be sued for a surprisingly large amount of money. You will then have a judgment against you and no car.
  • Lawsuits & Judgments – Have you been sued or threatened with a lawsuit? If a creditor wins a lawsuit against you (which often happens by default) a judgment will be entered against you and the creditor will look for ways to collect, including wage garnishments and bank levies.
  • Garnishments and Levies – If a creditor garnishes your paycheck, you could lose a quarter of your take home pay. If you have a bank account, a creditor might drain it to pay its judgment.
  • Low Credit Score – A low credit score can be devastating. You either won't be able to get a loan at all, or will be forced to pay high interest rates, which may make the payments too high to afford. Even worse, a low credit score may make it hard to rent an apartment or get a good job. Call us to talk about improving your credit.
  • Driver's License Suspended After an Accident without Car Insurance – If you can't afford to pay the damages, bankruptcy may be the only feasible way to get your license back.

Afraid to Call a Richfield Bankruptcy Attorney?

We're here to help you, not judge you. We are easy to talk to, and there's no fee unless you decide to hire us. 651-639-0313 To find answers to your debt and credit problems, call Twin City Attorneys @ (651) 639-0313, or click here to e-mail us

Richfield, Minnesota

Richfield Bankruptcy Attorney

About Richfield, MN

The modern history of Richfield dates back to the 1850's, when farmers first tilled the rich farmland that ultimately gave this community its name. With generally flat terrain, and situated between Minneapolis and Fort Snelling, Richfield's location was optimal for future development. The earliest settlers to the area were generally of German or Irish descent, most coming from New England. Later waves of immigration in the 19th century would bring an increasingly diverse crowd, including Swedes, Norwegians, and Danes. One notable early settler of Richfield was Riley Bartholomew, and ex-General of the Ohio Militia who went on to become a Richfield justice of the peace, and later a Minnesota state senator. Bartholomew's home, built in 1852 on the eastern shore of Wood Lake near present day Lyndale Avenue, still stands and is on the National Register of Historic Places.

On May 11, 1858, the exact date that Minnesota entered the Union, Richfield held its first town meeting. However, it took until 1879 before the community's first town hall was erected. In 1908, Richfield officially became a city, adopting the President/ Trustee form of government. From that time up until 1950, Richfield's local government consisted of a president, three trustees, and a clerk. In 1950, the city changed to a village manager form of governance (which is still used to this day), with a mayor, four council members, and one city manager.

In 1854, the town of Richfield covered approximately 50 square miles of land, stretching from present day Highway 169 to the west, Lake Street in Minneapolis to the north, the Mississippi and Minnesota Rivers to the east, and Highway 494 to the south. Over the years, with the creation of Saint Louis Park, Edina, and the Minneapolis-St. Paul International Airport, as well as three annexations by the city of Minneapolis (1867, 1887, and 1927), Richfield proper has been reduced to its current land area of about 7 square miles. Richfield's current boundaries have been in place since 1955, when the airport acquired its final portion of eastern Richfield.

Richfield, as its boundaries currently exist, was mainly rural until around the end of the Second World War. During this time, and throughout the 1950's, Richfield rapidly developed to accommodate returning war veterans and their families. Between 1940 and 1950, Richfield's population increased 463%, from 3,778 residents to 17,502. During the 1950's, the era that arguably defines the physical look of the city, the population increased another 243%, to 42,523. Richfield's population topped off in 1970 at 47,231, and has since decreased and leveled off at about 35,000. The US Gazetteer estimates that the population of Richfield will increase in the future to about 40,000 by 2020.

Richfield today is a city with an above average public school system, established infrastructure and amenities, and strong residential neighborhoods. Richfield is a diverse community, with rapidly changing demographics, but a strong sense of community. The city has a moderately large and growing Hispanic population (18.3% of the total as of the 2010 census) which is beginning to change the flavor of neighborhood shops and establishments. Other immigrant groups have been flocking here in recent years as well, further altering the cultural landscape. The area is favored by new immigrants for many reasons, namely its proximity to the airport, Mall of America, downtown Minneapolis, and the Bloomington "Strip".

To attest to its status as a center of immigrants, 19.5% of the population of Richfield is foreign born, and 25.5% speak a language other than English at home. As of 2010, the racial composition of the city was 63.2% Caucasian, 18.3% Hispanic or Latino, 9.2% African-American, 6.1% Asian, 3.5% two or more races, and 0.8% Native American. The median household income in the city is $52,447, and the value of the average home was $201,000 in 2008-2012. The homeownership rate was 63.4%, with 36.4% of housing units in multi-unit structures. The poverty level is above average for the state (13.9% vs. 11.2%), but is concentrated in several areas dominated by apartment buildings, while Richfield's single-family residential areas have remained primarily middle-class.

The city has a growing and diversifying employment base, with more high-paying jobs than in the past. In 2003, Best Buy moved its corporate headquarters to Richfield, instantly becoming the city's largest single employer with about 5,200 local employees. The city's second largest employer is US Bank, directly adjacent to Best Buy's new campus, with about 1,600 employees. With a well-traveled location close to both Minneapolis and the airport, Richfield is positioned optimally for future commercial and residential growth. The city is nearly encircled by major highways, allowing for ease of access to its neighborhoods and businesses. Retail sales per capita in the City of Richfield are exceptionally high, at $53,802, an amount higher than the median household income, and nearly twice the per capita income in the city. Because of these advantages, Richfield, although already developed, is poised for further growth.

Have you wondered why the expression "Richfield Bankruptcy Attorney" appears several times on this page? It's because saying Richfield Bankruptcy Attorney helps you find us on the internet so we can explain to you how filing for bankruptcy works and discuss whether it's a good idea for you. Please call us at (651) 639-0313 for a FREE PHONE CONSULTATION or click here to e-mail us. Richfield Bankruptcy Attorney!

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