Over 38 years of experience.  BANKRUPTCY, STUDENT LOANS, & LITIGATION.  We solve financial problems. We provide legal services and personal attention to individuals, consumers, and small businesses. We are able to stop creditor harassment, foreclosures, repossessions, lawsuits, garnishments, tax levies, and utility shutoffs.

Attorney Michael K. Hoverson has handled thousands of bankruptcy cases in his 38 years of practice ;however, he does not run a bankruptcy “mill”. Every client gets individual attention from Michael K. Hoverson.

We will review your situation and advise you as to whether Chapter 7 , Chapter 13, or some other non-bankruptcy alternative is in your best interests. Not only will we look at your current situation, but also the long term affects of your financial decisions. We will work with you and advise you on how to set up your own budget to get you back to financial health.

Mr. Hoverson also practices in the area of student loan law to provide comprehensive assistance in all the new and complicated administrative remedies available to assist student loan borrowers burdened with student loan debt.    

Some of the services that he can assist a student loan borrower with include the following: 

●    Determining if you qualify for an Administrative Discharge of your student loan
●    Determining if a Deferment or Forbearance is in your best interest
●    Fighting off nasty debt collectors trying to collect on your delinquent student loans
●    Lowering your monthly student loan payment
●    Preventing or ending wage garnishments, judgment proceedings, and the loss of your tax refund
●    Reviewing your eligibility for student loan forgiveness programs
●    Reviewing your eligibility for student loan Consolidations or Rehabilitation to get you out of "default"

+    Defending lawsuits by private student loan lenders against student loan borrower

+    Suing private student loan lenders in bankruptcy court to discharge non-qualified student loans

Please contact us at for a FREE consultation and we will promptly respond and answer any questions that you may have concerning your financial situation. Evening and weekend appointments are available.

Our main office is in Minneapolis. We also have offices in the areas of Bloomington/Edina, Eden Prairie/Minnetonka, Savage/Shakopee, and St. Louis Park.

Mr. Hoverson graduated from the University of North Dakota with a B.A.,
Summa Cum Laude and Phi Beta Kappa Honor Society. He received his J.D.,
with Distinction, in 1986 from the University of North Dakota School of
Law and graduated in the top 20% of his class.

Mr. Hoverson has taught bankruptcy law and debtor/creditor law at
Hamline University, St. Paul, Minnesota. He has also volunteered his
legal services in the area of bankruptcy through Volunteer Lawyers
Network in Hennepin County, Minnesota, for the past 37 years.

He is admitted to practice in Minnesota State Courts; United States
District Court, District of Minnesota; and Eighth Circuit Court of
Appeals. Memberships include Minnesota State Bar Association; Minnesota
State Bar Association Bankruptcy Section; National Association of
Consumer Bankruptcy Attorneys; Eighth District Bar Association; and,
Volunteer Lawyers Network.