Web Resources

These links are provided as a service to our visitors. The Law Offices of Michael D. Harnois PLC are not responsible for the content of these sites. Information found on the Internet should never be used as a substitute for the advice of an attorney.

Bankruptcy

Prayers from the Church of England

Prayer for the current financial situation

Prayers and Resources: For those worried about debt

Brochures from the National Consumer Law Center

Answers to Common Bankruptcy Questions (PDF)

Using Credit Wisely After Bankruptcy (PDF)

Your Legal Rights During and After Bankruptcy (PDF)

National Association of Consumer Bankruptcy Attorneys - advocacy group for consumer bankruptcy attorneys and their clients. Site contains useful links to other bankruptcy websites.

Tips for Consumers With Debt Problems

United States Bankruptcy Court Official Forms

U.S. Bankruptcy Court for the District of Minnesota

PACER - Federal Judiciary’s centralized registration, billing, and technical support center for electronic access to U.S. District, Bankruptcy, and Appellate court records.

Savedme.com - Michigan Bankruptcy Attorneys

Family Law

Kids First - Parenting education program

Northland Mediation - provides mediation services in family law matters on a sliding-scale fee basis. Also a source for parenting time expeditors.

Resources for low-income persons and families

LawHelpMN - a cooperative site of several Minnesota legal organizations, dedicated to assisting persons with low income in civil law matters

Volunteer Attorney Program - Serving St. Louis, Lake, Cook, Itasca, Carlton, Pine, Kanabec, Aitkin, Cass and Crow Wing counties, a non-profit organization providing free legal services to income-eligible clients (125% of Federal poverty level). Services primarily in family law and bankruptcy.

General Legal Information

Minnesota Attorney General - information on many legal topics of interest to Minnesotans.

LawMoose - a great place to start researching any question of Minnesota or Wisconsin law

Minnesota State Court System - main page of the Minnesota court system, many links to self-help material

National Consumer Law Center (NCLC) - advocate for low-income consumer justice and expert on low-income consumer issues.

Consumer Action Handbook - Guide from the Federal
Consumer Information Center. Find help on such topics as buying and leasing cars, shopping from home
and protecting your privacy and yourself from fraud.

Legal Information Institute (LII) - a service of the law school at Cornell University, this is a truly amazing collection of free legal source materials.

Findlaw - a general information site operated by legal publisher Thomson West.

Credit Reporting Agencies
- agencies that prepare credit reports. These agencies may charge a fee
to obtain a copy of your credit report. As of September 1, 2005, everyone is entitled to one free credit report per year through www.annualcreditreport.com. You can either make the request over the internet or print out a form to make the request by mail. You can also make the request via telephone at 1-877-322-8228. You must use this phone number for your free report.

Equifax
- (800) 685-1111, www.equifax.com

TransUnion
- (800) 888-4213, www.transunion.com

Experian
- (888) 397-3742, www.experian.com

“Do Not Call” Lists - allow consumers to opt-out from receiving telemarketing calls.
You may still receive calls from political organizations, charities, telephone
surveyors or companies with which you have an existing business relationship.

National Student Clearinghouse - verifies student degree and enrollment information. Can assist in locating a student loan.

Student Loan Locator: www.nslc.org/secure_area/loan_locator.asp

Utilities

Adobe Reader - required to view PDF documents.