{"id":147,"date":"2011-08-29T15:12:00","date_gmt":"2011-08-29T15:12:00","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=147"},"modified":"2012-07-24T17:22:57","modified_gmt":"2012-07-24T17:22:57","slug":"harleys-and-bankruptcies-dont-mix","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/harleys-and-bankruptcies-dont-mix\/","title":{"rendered":"Harleys and Bankruptcies Don’t Mix"},"content":{"rendered":"
At least that would be the general rule. All rules of course have exceptions.<\/p>\n

I just spoke by phone with a person who needs a bankruptcy. The trouble is that he or she is the owner of a Harley-Davidson motorcycle. It’s not paid for. There’s still a loan on the bike with a monthly payment. The usual story in that situation is that if you want to file a bankruptcy – any kind of bankruptcy – the bike has to go. Sell it or surrender it, but it has to go before we can file.
\n<\/div>\n

<\/div>\n
Most of the time when I explain this to the owner of a Harley, it’s the last I hear from that person.<\/p>\n

I just spent a very quiet and peaceful weekend at a campground<\/span> in southern Minnesota. I found that there happened to be a group of over 100 bikers there, mostly if not all riding Harley-Davidsons<\/span><\/span>. I barely noticed them. They partied and carried on, but in a quiet<\/span> and respectful way. In fact they were some of the most well behaved people I’ve ever seen. I learned later that they were a group of retired police officers, some from Minnesota and some from Chicago. Most of them were dressed in typical biker attire, including jackets and hats bearing one or more variation of the Harley-Davidson logo. Those bikes were obviously an important part of their social life.<\/p>\n<\/div>\n

<\/div>\n
Powerful attachment to a Harley-Davidson motorcycle is a phenomenon<\/span> I’ve seen repeatedly. Often as with the retired cops it can be a really good thing. But I can’t change the way the bankruptcy trustees view these things. In a bankruptcy case, unless it’s paid for and so old that it’s not worth much, a Harley tends to be an asset that they want to seize or a frivolous expense that they won’t allow or both. It’s just not a good thing for anybody contemplating bankruptcy.
\n<\/div>\n","protected":false},"excerpt":{"rendered":"

At least that would be the general rule. All rules of course have exceptions. I just spoke by phone with a person who needs a bankruptcy. The trouble is that he or she is the owner of a Harley-Davidson motorcycle. It’s not paid for. There’s still a loan on the bike with a monthly payment. … <\/p>\n

Continue reading “Harleys and Bankruptcies Don’t Mix”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-147","post","type-post","status-publish","format-standard","hentry","category-bankruptcy"],"yoast_head":"\nHarleys and Bankruptcies Don't Mix - Better Call Dave - Bankrupt MN Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mn-bankruptcy.com\/blog\/harleys-and-bankruptcies-dont-mix\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Harleys and Bankruptcies Don't Mix - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"At least that would be the general rule. 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \\\"I'm a very good source of unreliable information about that.\\\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. 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