"Where Fillmore County News Comes First"
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Do I have to file bankruptcy on all of my creditors?


Mon, Apr 25th, 2011
Posted in Ask the Expert

Yes, but that doesn't mean that you can't pay some of your creditors. When bankruptcy is filed, you must list all of your debts and all of your assets. But you are allowed to pay any debts that you wish after filing, either by reaffirming the debt or simply continuing to pay the debt. If the debt is reaffirmed, it must be paid under the terms of the reaffirmation agreement, but if you just continue to pay the debt without reaffirming, you do so without any legal obligation.

Usually you pay a debt without legal obligation in one of two situations - to a family member, or to a secured creditor. Family members who loan you money get paid because if not, you'll probably have a lousy family Christmas. Secured creditors are paid because if you don't, they can still come get their collateral (usually your house or car).

For answers to all of your bankruptcy questions give us a call.

Springer & Gumbel, P.A.

141 W. Fillmore St., Preston, MN

Phone (507) 765-3600

Do I need to test my dog for Heartworm and Lyme Disease?

Mon, Apr 25th, 2011
Posted in Ask the Expert

Absolutely. Both of these infections are common and can be fatal. All it takes to contract them is a bite from an infected mosquito (heartworms) or tick (Lyme disease). Even if your dog is on a monthly heartworm preventative, it's still important to ..... 
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Will my warranty be void on my new or used vehicle purchase if I do not return to that dealership for regular maintenance or minor repair?

Mon, Apr 25th, 2011
Posted in Ask the Expert

Will my warranty be void on my new or used vehicle purchase if I do not return to that dealership for regular maintenance or minor repair?

When buying a new or used vehicle, the dealer may lead you to believe that you must return to that estab ..... 
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Question: Why should I promote my business in the Fillmore County Journal?

Fri, Apr 22nd, 2011
Posted in Ask the Expert

Answer: As odd as it may sound, we sincerely care about every business entrusting us with such responsibilities to promote their business with an

advertisement. Our designers care about creating the best advertisements and placing your ad in a ..... 
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Is there a waiting period for Flood Insurance?

Fri, Apr 22nd, 2011
Posted in Ask the Expert

Yes, there is normally a 30-day waiting period for the insurance to become effective. But, there are two basic exceptions to the rule:

 If you are purchasing flood insurance for the first time, and it is made during the 13-month period f ..... 
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What are the big differences between cloth & disposable swim diapers?  

Fri, Mar 25th, 2011
Posted in Ask the Expert



Babies & non potty-trained toddlers must wear swim diapers to public pools and they must not have diarrhea. If you wonder why, here is the little secret: disposable swim diapers do not hold liquids, only solids. I've had parents tell m ..... 
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What happens if I should die when I'm away from home, and my family wants my funeral and burial back in my hometown?

Fri, Mar 25th, 2011
Posted in Ask the Expert

I do get asked this question often, and it does occur on occasion. If a person dies while they are on vacation or away visiting friends or relatives, it is always best to have the family call their hometown funeral home first. By doing this, a family ..... 
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Q: What is the difference between an Authorized Signer and a Joint Owner on a consumer checking or savings account?

Fri, Mar 25th, 2011
Posted in Ask the Expert

A: Many people want or need another person to be able to access their checking account, such as in the case of an emergency. It is important to know the distinction between "authorized signer" and "joint owner" in order for your needs to be properly ..... 
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