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"Where Fillmore County News Comes First"
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Monday, February 8th, 2016
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My Student Loan payments are almost as much as my house! Should I file bankruptcy?


Mon, Oct 31st, 2011
Posted in Ask the Expert

No - not for that reason. Student loans are generally not dischargeable unless repayment causes an "undue hardship" on you and your dependents.

 "Isn't paying a second house payment to Sallie Mae an undue hardship?" That answer is also "No," but you are part of the way there. Many courts have defined "undue hardship." In general, to find undue hardship, the court looks at your income and expenses to determine your standard of living with the student loans. They also take into account what other circumstances might continue through the repayment period to determine your financial condition while you are repaying those loans. Finally, the court looks at whether you have made a good faith attempt to repay the loans. Oftentimes these factors boil down to whether you have a physical or mental disability and the effect repaying your student loans has on your disability.

 For advice about bankruptcy, business and estate planning, real estate, divorce, personal injury or any other legal needs, contact us.

Springer & Gumbel, P.A.

141 W. Fillmore St.,

Preston, MN

Phone (507) 765-3600

www.scottspringerlaw.com/

My clutch chatters and fells 'jerky' when I start out from a dead stop. Do I need a new clutch?

Mon, Oct 31st, 2011
Posted in Ask the Expert

Probably. Chattering and jerking can be caused by oil contaminated clutch linings (due to an oil leak on the back of the engine, usually the rear main crankshaft seal), or by damage to the clutch itself. For the clutch to engage

smoothly, the ..... 
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Different Sales Tax

Mon, Oct 31st, 2011
Posted in Ask the Expert

What a beautiful fall we are having.

Remember back in 2008 when there was a vote to raise the sales tax to 6.875%? A lot of us in the car industry were left in the dark as to what percentage to charge on a car sale. Well lucky for all of us t ..... 
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Issues To Discuss When Choosing A Buyer's Representative

Mon, Oct 31st, 2011
Posted in Ask the Expert

To help ensure a successful home purchase, it's important to first choose a buyer's agent. Narrowing your search to ABR®-designated agents is a good first step. Here are some of the most important issues to consider and questions to ask when int ..... 
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Do Pets Benefit from Acupuncture?  

Mon, Oct 31st, 2011
Posted in Ask the Expert

Most cats and dogs enjoy their acupuncture treatment at our clinic. Acupuncture releases beta-endorphins which have been shown to relieve pain. In addition, stimulation of acupuncture points allows energy in the body to flow freely which makes your p ..... 
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Where should I keep my will?

Mon, Sep 26th, 2011
Posted in Ask the Expert

You've gotten your will done! Where do you keep the original? Above all, you should keep it in a safe place that your named personal representative has access to. Normally, a safe deposit box is the best place to keep important documents. However, un ..... 
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I'm buying a new set of tires. Should I have them balanced?

Mon, Sep 26th, 2011
Posted in Ask the Expert

Yes - Balancing helps to guarantee a smooth ride at highway speeds, and it helps to maximize tire life. An out-of-balance tire can be very annoying because it produces a shake that increases in intensity the faster you go. The up-and-down shaking of ..... 
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Salvage Titles What does it mean when a car has a salvage title?

Mon, Sep 26th, 2011
Posted in Ask the Expert

In Minnesota the definition of a salvage title is when a vehicle has had damage that costs over 70% of the vehicle's worth. This varies from state to state. Typically a vehicle with a salvage title will sell for at least 30% less than the same model ..... 
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Why would a funeral home need a website?

Mon, Sep 26th, 2011
Posted in Ask the Expert

Why would a funeral home need a website?

  I asked myself this question when we were first considering creating a website for our funeral home. At first, the only application I could think of was posting obituaries. The evolution o ..... 
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