Elizabeth Rosar Chermack, Attorney at Law, is dedicated to helping her clients resolve their family law, housing, and bankruptcy matters. She is also committed to educating and advising her clients so they can make the best possible decisions for themselves and their families.

• Bankruptcy
• Family Law
• Housing

Liz represents debtors in bankruptcy cases. She understands that in the current economy, bankruptcy is often the only way for people to get a fresh start and end the sleepless nights caused by worries about unpaid debt and bills. Liz will talk with you during your initial consultation to help you decide whether bankruptcy is the best choice for you and your family.

• Chapter 7 Bankruptcy. Chapter 7 bankruptcy is the most common type of bankruptcy. In Minnesota, a Chapter 7 bankruptcy will discharge an individual from most debt, including credit cards, medical bills, and other unsecured debt.
• Chapter 13 Bankruptcy. Chapter 13 bankruptcy allows an individual to repay some of their debt through a 5-year plan.
• Means Test. Depending on your income, you may have to pass the “means test” in order to file for Chapter 7 bankruptcy. If you do not pass the means test, you will be limited to filing for Chapter 13 bankruptcy.
• Non-dischargeable debt. Bankruptcy does not discharge all debts. The following debts are non-dischargeable:
• Alimony (spousal maintenance)
• Child support
• Back taxes
• Recent purchases of more than $550 for luxury goods bought within 90 days of filing
• Fines or penalties of government agencies
• Fraudulent debts
• Cash advances of $825 within 70 days of filing
• Student loans (unless an undue hardship discharge is granted)

Liz was born in Owatonna, Minnesota, and grew up in Waseca, Minnesota. After she graduated from Waseca High School, she attended the University of Minnesota, where she received her Bachelor of Arts in Political Science and Global Studies. While she was in college, Liz spent a summer in Kingston, Jamaica, as an intern for Jamaica AIDS Support. She also lived in Santo Domingo, Dominican Republic, as a volunteer for Education for All: Project ABC. While Liz was in the Dominican Republic, she became fluent in Spanish.

After graduating from the University of Minnesota, Liz worked as a Legislative Clerk at the Minnesota Senate Information Office. She then returned to the Dominican Republic and taught English while continuing to volunteer for Education for All: Project ABC. When she returned to Minnesota, she worked as a Sales Intern for NextNet Wireless while preparing to attend law school.

Liz graduated magna cum laude from William Mitchell College of Law. While in law school, she clerked for the Minnesota Disability Law Center, Southern Minnesota Regional Legal Services (CORE Housing and Education Law Advocacy Project), and for a bankruptcy attorney. After law school, she worked with two family law attorneys, Stacy Wright and Jennifer Lewis Kannegeiter, who provided valuable mentorship.

Liz lives in Apple Valley, Minnesota, with her husband, Eric, and their dog, ChaChi. Liz is an active member of Shepherd of the Valley Lutheran church, where she teaches confirmation class and participates in a small group.

Bar Admissions

• State of Minnesota
• U.S. District Court, District of Minnesota

Education

• J.D., William Mitchell College of Law, magna cum laude
• B.A., University of Minnesota

Honors and Awards

• CALI Excellence for the Future Awards in Creditor/Debtor, Estates and Trusts, and Criminal Appeals Clinic.
• American Bar Association Regional Client Counseling Competition (2nd place).
• Burton Award Nominee.

To set up a consultation, call Liz at (952) 491-0390 or send her an email at liz@chermacklaw.com. Liz understands that it can be difficult for clients to meet with an attorney during regular business hours. Liz is available, upon request, for client meetings in the evenings and on Saturdays.

Mailing Address
Elizabeth Rosar Chermack, Attorney at Law
P.O. Box 240328
Apple Valley, MN 55124-0328

Office Address
Elizabeth Rosar Chermack, Attorney at Law
2999 West County Road 42, Suite # 201
Burnsville, MN 55306

Liz will work with you to learn about your case so you can work towards the best outcome for you and your family.

Family Law matters include:

• Divorce (marital dissolution)
• Child custody and parenting time
• Paternity
• Spousal maintenance (alimony)
• Child support
• Property Division
• Qualified Domestic Relations Orders
• Post-decree modifications
• Antenuptial and postnuptial agreements
• Domestic partnerships
• Adoption

Housing Law includes the following:

• Foreclosures
• Tenants’ rights when a landlord’s property has been foreclosed on
• Security and damage deposits
• Repairs
• Reasonable accommodations and disability discrimination
• Eviction defense
• Expungement of evictions
• Homeowner’s Associations
• Housing discrimination
• Joint Tenancy Partitions. (Example: When friends or domestic partners purchased a home together, and no longer wish to live in it together.)

Liz is extremely passionate about housing law. Please contact Liz with any questions you have regarding housing law.