John H Bray, Bankruptcy Attorney in Hermantown, Minnesota

John concentrates on bankruptcy, business, creditor rights, and litigation. Each area below outlines the kind of case John handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Business

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• Creditor Rights

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• Litigation

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John's primary office is at 5155 Miller Trunk Hwy., Hermantown, MN, 55811. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with John usually go, from the moment you request a consult to the day representation begins.

John discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire John for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. John walks through the likely range during the consult so there are no surprises.

• Does John offer a free consultation?

  John charges for the initial consult; that fee is credited toward representation if you retain John's office. Some bankruptcy attorneys offer free consults — check John's current terms during booking.

• How long do bankruptcy cases in Minnesota typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. John gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can John take my case if I'm outside Hermantown?

  John is licensed in Minnesota. Matters governed by Minnesota law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — John will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with John?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. John will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is John accepting new bankruptcy clients right now?

  John's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.