Most people call me Dave. At my Minnetonka, Minnesota office, I have been practicing law in the Twin Cities area for over 36 years. In late 2005 a “reform” act was passed which was supposed to make filing bankruptcy more difficult. Since then, however, I have helped a large number of clients qualify to file either Chapter 7 or Chapter 13. While the paperwork has become a lot more complicated, I am finding that most people who need to are still able to file. I care about people who are in financial difficulty, and I get a lot of satisfaction from helping them. Call Dave Kelly – we’ll figure it out.I know that filing a bankruptcy is the last thing you want to do. You have probably been struggling for a long time to avoid bankruptcy. 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 or seriously reduced. You might be desperately using cash advances from one credit card to pay another – robbing Peter to pay Paul – but certainly not getting ahead by doing so. A point comes when bankruptcy becomes the only viable choice. To their credit, most of my clients have waited way past that point before calling me. If you are wondering whether you file under the new standards, please call me.