The Sapientia Team provides assistance to debtors and creditors in connection with financial matters. We represent individuals and businesses who are either in financial distress or are looking to avoid it. We represent secured lenders and unsecured creditors both inside and outside of bankruptcy and Official Committees of Unsecured Creditors appointed in Chapter 11 bankruptcy matters. We practice in all bankruptcy districts in the upper Midwest and have litigated adversary actions in bankruptcy courts around the country. We evaluate issues with client’s vendors, trying to protect our clients against harm in case a customer files bankruptcy and we proactively protect the rights of our clients if a bankruptcy filing occurs. We also work with clients and their lenders to try to avoid bankruptcy. Only by knowing what your bankruptcy options are can you negotiate for a position of strength when a loan has been called or is threatened to not be renewed. We evaluate options for sales of businesses in financial duress and we litigate when necessary to collect what is due to our clients from their customers. We talk to individuals and businesses about the pros and cons of the various kinds of bankruptcies, and file Chapter 7, 11, 12 and 13 bankruptcy cases as fits the situation of each client. 

We strive to educate our clients as to the options available to them. In the area of insolvency, there is no such thing as a cookie cutter response to your problem and we only recommend filing bankruptcy when that is the best option.