{"id":6226,"date":"2016-06-11T20:45:09","date_gmt":"2016-06-11T20:45:09","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=6226"},"modified":"2016-06-11T20:47:17","modified_gmt":"2016-06-11T20:47:17","slug":"motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/","title":{"rendered":"Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy"},"content":{"rendered":"

I recently posted on Google Plus about how certain things tend to be toxic to a possible bankruptcy. The most common one I see is a Harley Davidson. Other items in this category would include boats and horses, especially if they are fancy and not paid for. This statement resulted in questions being asked about exactly what I meant. \u00a0If the problem is that a Harley, a boat or a horse are assets which would be lost in a Chapter 7 bankruptcy, then wouldn’t it be better for them to not be paid for. \u00a0If they weren’t paid for, after all, they wouldn’t be much of an asset.<\/p>\n

\n
\n
\n
\n
\n
\n
\n
\n
\n

My answer was that such items make a bankruptcy difficult whether paid for or not. If they are paid for, they are assets that very likely would be lost in a Chapter 7 or would increase the required payments in a Chapter 13.<\/p>\n

If they are not paid for, you have a situation where the Debtor will want to tell the bankruptcy trustee that he or she can’t afford to pay debts, except that somehow they CAN afford to keep paying for the Harley, the boat or the horses. This does not play well. The only thing to do if they really need the bankruptcy is to sell or surrender before filing, or state in the bankruptcy petition an intention to surrender the items after the case is filed.<\/p>\n

Many have been the times when I have had a potential client disappear never to be heard from again when I said that the Harley has to go. There’s a whole subculture where any kind of misery is preferable to giving up the Harley. Boats are usually a bit easier to let go, but horses are also very hard to give up.<\/p>\n

One exception might be a case with a 100% Chapter 13 plan. That would be a plan where 100% or the unsecured debts are to be paid. Since the bankruptcy trustee can’t ask for more than 100%, the Debtor would have more wiggle room when it came to something like keeping a motorcycle. Even then the trustee would not like it, but more than likely the trustee could not prevent it. I see very few cases where the payout is 100%. Most people who can afford to do that don’t need a bankruptcy.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
<\/div>\n
<\/div>\n
This post is for general information purposes only, is not legal advice and does not create an attorney-client relationship. \u00a0I am a Debt Relief Agency. \u00a0I help people file for relief under the federal bankruptcy code.<\/div>\n","protected":false},"excerpt":{"rendered":"

I recently posted on Google Plus about how certain things tend to be toxic to a possible bankruptcy. The most common one I see is a Harley Davidson. Other items in this category would include boats and horses, especially if they are fancy and not paid for. This statement resulted in questions being asked about … <\/p>\n

Continue reading “Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":6227,"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":[4,69,12,141,56,219,28,107],"tags":[109,112,103,208,118,136,147,146],"class_list":["post-6226","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bankruptcy","category-chapter-13","category-chapter-7","category-cost-of-filing-bankruptcy-in-minnesota","category-debt","category-expensive-toys-in-bankruptcy","category-filing-bankruptcy","category-filing-process","tag-bankruptcy-2","tag-chapter-13-2","tag-chapter-7-2","tag-filing-process","tag-how-does-bankruptcy-work","tag-minnesota-bankruptcy","tag-minnesota-chapter-13-bankruptcy","tag-minnesota-chapter-7-bankruptcy"],"yoast_head":"\nMotorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy - 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\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"I recently posted on Google Plus about how certain things tend to be toxic to a possible bankruptcy. The most common one I see is a Harley Davidson. Other items in this category would include boats and horses, especially if they are fancy and not paid for. This statement resulted in questions being asked about … Continue reading "Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy"\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/\" \/>\n<meta property=\"og:site_name\" content=\"Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/davidkelllylawoffice\" \/>\n<meta property=\"article:published_time\" content=\"2016-06-11T20:45:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2016-06-11T20:47:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2016\/06\/hardley-affordable-e1465677992785.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1737\" \/>\n\t<meta property=\"og:image:height\" content=\"1116\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"DaveKelly\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"DaveKelly\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/\"},\"author\":{\"name\":\"DaveKelly\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/person\/a385963a920f92e1cf406fa921c98453\"},\"headline\":\"Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy\",\"datePublished\":\"2016-06-11T20:45:09+00:00\",\"dateModified\":\"2016-06-11T20:47:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/\"},\"wordCount\":434,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2016\/06\/hardley-affordable-e1465677992785.jpg\",\"keywords\":[\"Bankruptcy\",\"Chapter 13\",\"Chapter 7\",\"Filing Process\",\"How does bankruptcy work\",\"Minnesota Bankruptcy\",\"Minnesota Chapter 13 Bankruptcy\",\"Minnesota Chapter 7 bankruptcy\"],\"articleSection\":[\"bankruptcy\",\"chapter 13\",\"chapter 7\",\"Cost of Filing Bankruptcy in Minnesota\",\"debt\",\"expensive toys in bankruptcy\",\"filing bankruptcy\",\"Filing Process\"],\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/\",\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/\",\"name\":\"Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy - Better Call Dave - Bankrupt MN Blog\",\"isPartOf\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2016\/06\/hardley-affordable-e1465677992785.jpg\",\"datePublished\":\"2016-06-11T20:45:09+00:00\",\"dateModified\":\"2016-06-11T20:47:17+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#primaryimage\",\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2016\/06\/hardley-affordable-e1465677992785.jpg\",\"contentUrl\":\"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2016\/06\/hardley-affordable-e1465677992785.jpg\",\"width\":1737,\"height\":1116,\"caption\":\"hardley affordable motorcycle\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Minnesota Bankruptcy\",\"item\":\"https:\/\/mn-bankruptcy.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#website\",\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/\",\"name\":\"Better Call Dave - Bankrupt MN Blog\",\"description\":\"Minnesota Bankruptcy Lawyer David Kelly discusses Filing Bankruptcy in Minnesota\",\"publisher\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/mn-bankruptcy.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#organization\",\"name\":\"Kelly Law Office\",\"alternateName\":\"Dave Kelly Law Office\",\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2018\/05\/Kelly_Bnnr-3.jpg\",\"contentUrl\":\"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2018\/05\/Kelly_Bnnr-3.jpg\",\"width\":549,\"height\":144,\"caption\":\"Kelly Law Office\"},\"image\":{\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/davidkelllylawoffice\",\"https:\/\/x.com\/mnbankruptlawyr\",\"https:\/\/www.linkedin.com\/in\/david-kelly-5887aa7\/\",\"https:\/\/www.youtube.com\/user\/freshstartdwi\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/person\/a385963a920f92e1cf406fa921c98453\",\"name\":\"DaveKelly\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/25bc3be9b896136baf5897f6238b816558c7b3ecb8147373f71c203e2763a6e8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/25bc3be9b896136baf5897f6238b816558c7b3ecb8147373f71c203e2763a6e8?s=96&d=mm&r=g\",\"caption\":\"DaveKelly\"},\"description\":\"I've been practicing law in the western suburbs of Minneapolis for over 37 years. 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. If you take a look at the map, you can see that most of St. Louis Park is closer to my office than many parts of Minnetonka.\",\"sameAs\":[\"http:\/\/www.mn-bankruptcy.com\"],\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/author\/davekelly\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy - Better Call Dave - Bankrupt MN Blog","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/","og_locale":"en_US","og_type":"article","og_title":"Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy - Better Call Dave - Bankrupt MN Blog","og_description":"I recently posted on Google Plus about how certain things tend to be toxic to a possible bankruptcy. The most common one I see is a Harley Davidson. Other items in this category would include boats and horses, especially if they are fancy and not paid for. This statement resulted in questions being asked about … Continue reading \"Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy\"","og_url":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/","og_site_name":"Better Call Dave - Bankrupt MN Blog","article_publisher":"https:\/\/www.facebook.com\/davidkelllylawoffice","article_published_time":"2016-06-11T20:45:09+00:00","article_modified_time":"2016-06-11T20:47:17+00:00","og_image":[{"width":1737,"height":1116,"url":"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2016\/06\/hardley-affordable-e1465677992785.jpg","type":"image\/jpeg"}],"author":"DaveKelly","twitter_misc":{"Written by":"DaveKelly","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#article","isPartOf":{"@id":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/"},"author":{"name":"DaveKelly","@id":"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/person\/a385963a920f92e1cf406fa921c98453"},"headline":"Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy","datePublished":"2016-06-11T20:45:09+00:00","dateModified":"2016-06-11T20:47:17+00:00","mainEntityOfPage":{"@id":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/"},"wordCount":434,"commentCount":0,"publisher":{"@id":"https:\/\/mn-bankruptcy.com\/blog\/#organization"},"image":{"@id":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#primaryimage"},"thumbnailUrl":"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2016\/06\/hardley-affordable-e1465677992785.jpg","keywords":["Bankruptcy","Chapter 13","Chapter 7","Filing Process","How does bankruptcy work","Minnesota Bankruptcy","Minnesota Chapter 13 Bankruptcy","Minnesota Chapter 7 bankruptcy"],"articleSection":["bankruptcy","chapter 13","chapter 7","Cost of Filing Bankruptcy in Minnesota","debt","expensive toys in bankruptcy","filing bankruptcy","Filing Process"],"inLanguage":"en","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/","url":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/","name":"Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy - Better Call Dave - Bankrupt MN Blog","isPartOf":{"@id":"https:\/\/mn-bankruptcy.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#primaryimage"},"image":{"@id":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#primaryimage"},"thumbnailUrl":"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2016\/06\/hardley-affordable-e1465677992785.jpg","datePublished":"2016-06-11T20:45:09+00:00","dateModified":"2016-06-11T20:47:17+00:00","breadcrumb":{"@id":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/"]}]},{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#primaryimage","url":"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2016\/06\/hardley-affordable-e1465677992785.jpg","contentUrl":"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2016\/06\/hardley-affordable-e1465677992785.jpg","width":1737,"height":1116,"caption":"hardley affordable motorcycle"},{"@type":"BreadcrumbList","@id":"https:\/\/mn-bankruptcy.com\/blog\/motorcycles-boats-or-horses-can-be-toxic-to-your-chapter-7-or-chapter-13-minnesota-bankruptcy\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Minnesota Bankruptcy","item":"https:\/\/mn-bankruptcy.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Motorcycles, Boats or Horses Can be Toxic to your Chapter 7 or Chapter 13 Minnesota Bankruptcy"}]},{"@type":"WebSite","@id":"https:\/\/mn-bankruptcy.com\/blog\/#website","url":"https:\/\/mn-bankruptcy.com\/blog\/","name":"Better Call Dave - Bankrupt MN Blog","description":"Minnesota Bankruptcy Lawyer David Kelly discusses Filing Bankruptcy in Minnesota","publisher":{"@id":"https:\/\/mn-bankruptcy.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/mn-bankruptcy.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en"},{"@type":"Organization","@id":"https:\/\/mn-bankruptcy.com\/blog\/#organization","name":"Kelly Law Office","alternateName":"Dave Kelly Law Office","url":"https:\/\/mn-bankruptcy.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2018\/05\/Kelly_Bnnr-3.jpg","contentUrl":"https:\/\/mn-bankruptcy.com\/blog\/wp-content\/uploads\/2018\/05\/Kelly_Bnnr-3.jpg","width":549,"height":144,"caption":"Kelly Law Office"},"image":{"@id":"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/davidkelllylawoffice","https:\/\/x.com\/mnbankruptlawyr","https:\/\/www.linkedin.com\/in\/david-kelly-5887aa7\/","https:\/\/www.youtube.com\/user\/freshstartdwi"]},{"@type":"Person","@id":"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/person\/a385963a920f92e1cf406fa921c98453","name":"DaveKelly","image":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/mn-bankruptcy.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/25bc3be9b896136baf5897f6238b816558c7b3ecb8147373f71c203e2763a6e8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/25bc3be9b896136baf5897f6238b816558c7b3ecb8147373f71c203e2763a6e8?s=96&d=mm&r=g","caption":"DaveKelly"},"description":"I've been practicing law in the western suburbs of Minneapolis for over 37 years. 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. If you take a look at the map, you can see that most of St. Louis Park is closer to my office than many parts of Minnetonka.","sameAs":["http:\/\/www.mn-bankruptcy.com"],"url":"https:\/\/mn-bankruptcy.com\/blog\/author\/davekelly\/"}]}},"_links":{"self":[{"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/posts\/6226","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/comments?post=6226"}],"version-history":[{"count":2,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/posts\/6226\/revisions"}],"predecessor-version":[{"id":6229,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/posts\/6226\/revisions\/6229"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/media\/6227"}],"wp:attachment":[{"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/media?parent=6226"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/categories?post=6226"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/tags?post=6226"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}