White Bear Lake Bankruptcy Attorney

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(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 White Bear Lake 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

White Bear Lake, Minnesota

White Bear Lake Bankruptcy Attorney

About White Bear Lake, MN

The Ojibwa and Dakota Indian tribes were the first known people to inhabit the White Bear Lake region. These tribes both harvested crops and hunted migratory prey, such as waterfowl and buffalo. In 1825, the federal government designated the region as being Dakota land. But later, in 1837, the land east of the Mississippi River was opened for settlement settlers after the federal government bought, or used treaties to acquire the use and settlement rights over the land.

Early settlers to the area were attracted by its scenic lakes, abundant game, and rich farmland. Once the United States government completed its surveys in 1847, land became available for purchase. All 36 square miles of the Township later became part of the Minnesota Territory, which had been established in 1849. There were more than 100 first buyers of township land. Some 45 of these first time buyers used the military land warrants. Military land warrants were first used in 1776 to entice enlistment in to the military, and was a essentially a land bounty in exchange for five years of service.

The remaining 55 first other buyers paid $1.25 for each acre of land. Ramsey County was also established in 1849. In 1857, a man named Richard Freeborn petitioned the first road in the county which followed the shore around White Bear Lake from Bald Eagle Lake and then just west of Phalen Lake from the east of Goose Lake, and extending south to modern day Minnehaha Avenue to the site of Hamm's Brewery in Saint Paul.

These early settlers founded White Bear Township in the same year that Minnesota became a state (1858). Railroad had reached the Township by 1868, and service was extended to Duluth in 1871, offering exciting and new industry and business opportunities. By the mid-1870s the area had become a popular resort destination as word spread about its scenic landscape, attracting visitors from all around the area which drains into the upper Mississippi River. A streetcar line was extended up to White Bear Lake later and helped popularize the area to the nearby "big-city" residents of Minneapolis and Saint Paul. Visitors would also often arrive at White Bear Lake by train after traveling up the Mississippi by steamboat. It wasn't long before the shores of the lake were lined with hotels, resorts, stores, theaters, restaurants, and even an amusement park to accommodate visitors.

By the early 1900's, the resort era began to fade away. However, the community continued to prosper as the result of other industries such as lumbering and farming. The City of White Bear Lake was incorporated in 1921. In that year the community had a population of more than 2,000 people and occupied two and a quarter square miles. There was rapid growth between the 1950's and the 1960's, following the nationwide exodus to the suburbs which began after World War II. The population of the community increased by about 13,000 people and the land area had increased to seven square miles by 1960. The city further increased in size of the next few decades, and currently encompasses 8.02 square miles of land, as has a population density of about 3,000 persons per square mile.

With efforts by the community to extend utilities and roads, large parcels of land were opened for development between the 1970's and the 1980's. Employment grew as well and the tax base also expanded as the result of an aggressive economic development program. Many different companies that are widely known nationally have relocated into the area while the redevelopment in the downtown area continued to expand and reinvigorate that area.

The White Bear Lake region has continued to prosper and grow over the years. Today, about 24,000 residents continue to enjoy the advantages of life in a community that still has a decidedly small town appeal with the advantages of being part of a major metropolitan region. The city of White Bear Lake was, as of 2010, 88.1% Caucasian, 3.5% Asian, 3.3% Hispanic or Latino, 2.5%Two or More Races, 2.5% African-American, 0.4% Native American, and small numbers of "other races". As these numbers might suggest, the community is relatively homogenous both racially and socially. Only 4.0% of residents of White Bear Lake were born outside of the United States, compared with 7.2% in the State of Minnesota.

Income levels in the community are average compared with the state, with a per capita income of $31,573, and a median household income of $58,161. White Bear Lake is, however, solidly middle-class, and although its average income levels, has a below average poverty rate, at 6.3%. The value of the average home in the city is $205,400, slightly higher than the state average, but still in the affordable range for most families. White Bear Lake is known for its low rate of crime, safe neighborhoods, scenic scenery, and as a sort of hybrid small town on a lake, mixed precariously with post-World War II suburb. Together, White Bear Lake is a great place to live, work, and raise a family.

Have you wondered why the expression "White Bear Lake Bankruptcy Attorney" appears several times on this page? It's because saying White Bear Lake 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. White Bear Lake Bankruptcy Attorney!

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