--- title: Get Judgment Free Debt Help description: Although debt is stressful and embarrassing to discuss, seeking debt help from a professional should be the first step when looking for options. image: https://blog.lifebacklaw.com/hs-fs/file-1263688820-jpg/images/bankruptcy_consultation.jpg --- [![LifeBack Law Firm, P.A.](https://blog.lifebacklaw.com/hs-fs/hubfs/Assets2021/LifeBack-LawFirm-Logo-v1.png?width=150&height=100&name=LifeBack-LawFirm-Logo-v1.png "LifeBack Law Firm, P.A.")](https://lifebacklaw.com/) - [Chapter 7 Bankruptcy](https://lifebacklaw.com/minnesota-bankruptcy/chapter-7-bankruptcy/) - Basic Chapter 7 Bankruptcy Information - [Chapter 7 Bankruptcy 4 step process and fees](https://lifebacklaw.com/minnesota-bankruptcy/chapter-7-bankruptcy/everything-you-need-know/#process) - [Free Interactive tool](https://lifebacklaw.com/bankruptcy_analysis/) - Intermediate Chapter 7 Bankruptcy Information - [What is a Chapter 7 Bankruptcy?](https://lifebacklaw.com/minnesota-bankruptcy/chapter-7-bankruptcy/everything-you-need-know/#chapter-7-bankruptcy) - 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[Tweet](https://twitter.com/share) It is easy to get into debt, but much more difficult to get out of debt. Some of us get into debt because of an unexpected financial crisis such as a medical illness or a prolonged period of unemployment. Others may need debt help when they lose a spouse due to a sudden illness or accident. Divorce and business failure are other reasons that cause many individuals to search for debt help. Regardless of the reason why you need debt help, we encourage you to seek the advice and counsel of [a bankruptcy attorney](http://kainscott.com/about-us/attorneys) who has ***your best interests*** at heart and who wants to see you get back on your feet so you can enjoy your life free from debt. ![debt help](https://blog.lifebacklaw.com/hs-fs/file-1263688820-jpg/images/bankruptcy_consultation.jpg?width=355&height=161&name=bankruptcy_consultation.jpg "debt help") ## The Debt Help Offered by Debt Consolidation Many people struggling with financial problems choose [debt consolidation](https://blog.kainscott.com/blog/what-debt-consolidation-companies-dont-tell-you) methods as quick forms of debt help. Some of the most common forms of debt consolidation include home equity loans, debt consolidation loans, balance transfers to a zero-percent credit card, and debt settlement companies. Unfortunately, these types of debt help often cause more problems than you are already experiencing. For many individuals who are being threatened by debt collectors or who are facing a repossession, foreclosure, collection lawsuit, or wage garnishment, the promises made by debt consolidation companies for “quick debt help” seem very convincing. What many individuals do not understand is that debt consolidation is not a solution to their debt problem — it is simply a temporary Band-Aid that only covers up the root of the problem. Debt consolidation companies don't actually help your debt problem and, when you fall behind on payments to them, they can become judgmental and very aggressive. ## The Kain & Scott Difference – Debt Help that is in Your Best Interest The [bankruptcy attorneys of Kain & Scott](http://kainscott.com/about-us/attorneys) have the true answer to your debt problems. They come from a very modest background that allows them to understand your current situation. They believe whole-heartedly in "Judgment Free Debt Help.” How does the debt help you get from Kain & Scott differ from debt help offered by debt consolidators? The most important difference is that our debt help addresses the root of the problem — the fact that you do not have the income sufficient to pay your living expenses and your debts. Being in debt is stressful and embarrassing; however, seeking assistance from a qualified professional is the first step in getting the debt help you need to solve your financial problems. Kain & Scott offers a ***free bankruptcy consultation*** to discuss the root of your debt problem and the specific details of your financial situation. We like to refer to this as “Judgement Free Debt Help” because our attorneys do not judge you or make assumptions about how you got into debt. We are here to help you identify the root of your debt problem, develop a sound strategy for debt help, and provide you with the support and guidance you need as you take the necessary steps to become debt free. We use our legal background, knowledge, and substantial bankruptcy experience to provide you with an affordable, efficient, and effective legal recommendation for becoming debt free. During your free consultation, our attorneys discuss all available debt help solutions including bankruptcy and non-bankruptcy alternatives. As the attorney explains each debt solution, he will review the advantages and the disadvantages of the solution so that you understand why we are recommending one option over the other options. Those companies who advocate debt consolidation rarely give you more than one option; however, we want you to be able to make an informed decision because we have ***your best interests*** as our top priority. ## Are You Currently in a Debt Consolidation Program and Still Struggling Financially Each Month? There is hope! Our bankruptcy attorneys can still provide you with debt help even if you are currently in a debt consolidation program. Many individuals enter these [debt consolidation programs](http://www.daveramsey.com/blog/the-truth-about-debt-consolidation/) when they are searching for debt help without knowing all of the facts or details of the program. It is only after they have signed the forms and they are in the program they realize that the program is not offering the debt help they had hoped for and needed. Even though it is a bit more complicated to deal with a debt problem after you have entered into a debt consolidation program, our experienced bankruptcy attorneys have helped many individuals break free from these programs and find the debt help they need. Before jumping in head-first in a debt consolidation program, meet with a Kain & Scott bankruptcy attorney who will provide expert advice about the best form of debt help for your current situation. *If you are interested in learning more about your debt solutions, [download our free ebook](http://lundkainscott.sites.hubspot.com/debt-consolidation-vs-bankruptcy).* [![Download our Free Debt Solutions 101 eBook](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/239677/595ee6e9-611b-4545-9398-49a21bb24752.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/239677/595ee6e9-611b-4545-9398-49a21bb24752)   Topics: [Debt](https://blog.lifebacklaw.com/blog/topic/debt) ### Recent Posts ##### Topics [Bankruptcy](https://blog.kainscott.com/blog/topic/bankruptcy) [Budgeting](https://blog.kainscott.com/blog/topic/budgeting) [Business Debt](https://blog.kainscott.com/blog/topic/business-debt) [Chapter 7](https://blog.kainscott.com/blog/topic/chapter-7) [Chapter 13](https://blog.kainscott.com/blog/topic/chapter-13) [Credit](https://blog.kainscott.com/blog/topic/credit) [Debt](https://blog.kainscott.com/blog/topic/debt) [Filing Bankruptcy](https://blog.kainscott.com/blog/topic/filing-bankruptcy) [Student Loans](https://blog.kainscott.com/blog/topic/student-loans) [Post Filing](https://blog.kainscott.com/blog/topic/post-filing)     [![Take the first step toward getting your life back Let us help you get started on your road to a debt-free life Sign Up for a Free Consultation](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/239677/8d0ffd0b-fd46-49fc-bf6a-aa9a2304d1e1.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/239677/8d0ffd0b-fd46-49fc-bf6a-aa9a2304d1e1) ## LifeBack Law Firm Offices - [Brainerd](https://lifebacklaw.com/about-us/locations/brainerd/)211 4th Street South Brainerd, MN 56401 [(218) 822-3300](tel:2188223300) - [Duluth](https://lifebacklaw.com/about-us/locations/duluth/)11 East Superior Street, 5th floor, suite 532, Duluth, MN 55802 [(218) 822-4502](tel:2188224502) - [Eagan](https://lifebacklaw.com/about-us/locations/eagan/)4480 Erin Drive Eagan, MN 55122 [(612) 843-0525](tel:6128430525) - [Maple Grove](https://lifebacklaw.com/about-us/locations/maple-grove/)6445 Sycamore Court North Maple Grove, MN 55369 [(612) 843-0529](tel:6128430529) - Minneapolis2124 Dupont Ave South S, Suite 103 Minneapolis, MN 55405 [(612) 843-0527](tel:+6128430527) - [St. Cloud](https://lifebacklaw.com/about-us/locations/st-cloud/)13 7th Ave S St Cloud, MN 56301 [(320) 252-0330](tel:3202520330) - [St. Paul](https://lifebacklaw.com/about-us/locations/st-paul/)370 Selby Avenue, Suite 224, St. Paul, MN 55102 [(612) 843-0523](tel:6128430523) - [MN Bankruptcy](https://lifebacklaw.com/minnesota-bankruptcy) - [Chapter 7](https://lifebacklaw.com/minnesota-bankruptcy/chapter-7-bankruptcy) - [Chapter 13](https://lifebacklaw.com/minnesota-bankruptcy/chapter-13-bankruptcy) - [About Us](https://lifebacklaw.com/about-us) - [Attorneys](https://lifebacklaw.com/people/?search=&position=attorney) - [Staff](https://lifebacklaw.com/people/?search=&position=team) - [Why Choose Us](https://lifebacklaw.com/about-us/why-lifeback-law-firm/) - [Lifeback's Guarantee](https://lifebacklaw.com/about-us/lifeback-law-firm-guarantee/) - [Testimonials](https://lifebacklaw.com/about-us/testimonials/) - [Careers](https://lifebacklaw.com/about-us/careers/) - [Resources](https://lifebacklaw.com/resources) - [MN Professionals (Clients Only)](https://lifebacklaw.com/mn-bankruptcy-professionals/) - [U.S. Bankruptcy Code](https://lifebacklaw.com/us-bankruptcy-code/) - [Helpful Links](https://lifebacklaw.com/resources/helpful-links/) - [Blog](https://blog.lifebacklaw.com/blog) - [Contact Us](https://lifebacklaw.com/contact-us/) - Bankruptcy Courses - [Course 1](https://www.abacuscc.org/en/abacus_credit_counseling.php) - [Course 2](https://www.sagepf.com/abacus/sage/sage_startpersonal.php) - [Pay your bill online](https://secure.kainscott.com/payments/) - [(800) 551-3292](tel:8005513292) © 2023 Lifeback Law Firm, P.A. | [Disclaimer](https://lifebacklaw.com/about-us/disclaimer) | [Privacy Policy](https://lifebacklaw.com/privacy-policy) | [Sitemap](https://blog.lifebacklaw.com/sitemap.xml) [Law Firm Marketing](https://www.gorillawebtactics.com/law-firm-marketing-services/) by [Gorilla Webtatics](https://www.gorillawebtactics.com/). ![](https://www.facebook.com/tr?id=1260005880679771&ev=PageView&noscript=1)