About Samuel Calvert

Sam Calvert has been practicing law in St. Cloud since 1978. He is a graduate of William Mitchell College of Law in St. Paul, Minnesota.

I understand the financial pressures my clients face because I experienced some of these same pressures growing up. I know that most of my clients end up in debt through no fault of their own. People call me because their income fell or their expenses rose. For instance, people get laid off because the business closes or moves away. Or they get divorced and when there was barely enough money to run one household before the divorce, suddenly there are two places to rent, two gas bills, two electric bills, two water bills, etc. Or people get sick and incur a lot of medical bills because they have crummy insurance or no insurance at all. Or they take a risk and start a business, but the business does not succeed.

I understand the fear of having debt you cannot pay. Having creditors and collectors after you can be scary and overwhelming. But the law protects a lot of what you own. The most rewarding part of my job is showing people that they can get get a fresh start.