I'm Dave Kelly, a Twin Cities area Minnesota bankruptcy attorney. I've been practicing law in the Twin Cities Minneapolis and St. Paul area quite a while - learning this business really does take a long time.
If you would like to talk things over, I would be glad to discuss your situation. In about 15 minutes or so I can do a screening over the phone that would give us a fairly good idea as to whether a Chapter 7 or Chapter 13 bankruptcy is a good idea for you. I don't charge for those screenings.
You might already have refinanced your home in an effort to get caught up, only to find that it wasn't enough - and now your home equity is gone. You might be desperately using cash advances from one credit card to pay another - robbing Peter to pay Paul. You might be draining the money from your 401K or IRA, which is money that could have been protected if you filed a bankruptcy. Even though you would rather not, the time has probably come that you should contact me.
What I do is represent people in the processing and filing of Minnesota Chapter 7 and Chapter 13 bankruptcy cases. My office is across from Ridgedale on I-394, close to Minneapolis but technically in Minnetonka, practically walking distance from St. Louis Park, near Hopkins Crossroad. I can also meet with you at my secondary location on the Golden Valley-St. Louis Park border. While most people are looking for a "bankruptcy attorney near me," it seems that after looking at my blog and my Youtube videos, a lot of people are willing to come from quite a distance to work with me. It's a mystery to me, but many are willing to come in from as far west as Hutchinson, Minnesota.