What our guests want to know is how is bankruptcy A) going to look at my credit report and B) what is bankruptcy going to do to my credit score? These are common and worrying questions for our guests. Often times this can be the barrier that holds debtor’s back from seeking relief. Don’t let it!

If you live in Minnesota and you are suffering from overwhelming debt, you get the stress of debt. Debt is suffocating and can make a good day really bad. Most of us cannot tolerate having our wages garnished or bank account levied. If you are struggling to pay your bills before being collected against, try paying your bills when your wages are being garnished and your accounts levied. Not good.

You probably are well aware of the courage it takes to reach out for help regarding an overwhelming debt problem. And then to make the decision to file Chapter 7 Bankruptcy on top of it is even more awe-inspiring. At Kain & Scott, we celebrate the client’s courage to reach out to us all the time. We celebrate that courage by going above and beyond the normal level of service and treating clients exceptionally well.

First of all, you should be proud of yourself for making the decision to get your life back. At Kain & Scott, we know this decision is not easy to make. But do you know what all of our former clients tell us? Their only regret is that they didn’t file sooner! So congratulations for making that decision, you will not regret it. Now how much are the fees to file Chapter 7 Bankruptcy in Duluth, Minnesota? 

I am reminded often of how we go the distance with clients at Kain & Scott. Part of our job at Kain & Scott is to make sure the client has the best fresh start possible. Sometimes that means bringing claims on behalf of the client without charging the client. In fact, at Kain & Scott, we often bring objections, responses, and motions and then attend the hearings on behalf of the client all for free. Why do we do this? Because it is the right thing to do. Sometimes these claims would cost the client far more in attorney’s fees than they are worth pursuing. I think the creditors and trustees often know this so these claims remain just that, claims.

 If you are looking to file bankruptcy in Minnesota you must be aware of who is marketing to you. For, example, if you call someone who is out of state, tread very carefully. Why? I have known some of these entities to have you sign contracts stating that they will immediately begin work and charge you by the hour. So, if you call them, they bill you. If you email them, they bill you. The reason why this is so important is if you pay 2k for bankruptcy but decide not to file the bankruptcy, you will not receive a full refund of your fees.

 I know that Minnesota bankruptcy professionals often think they have done their job when they get rid of your debt for you. But at Kain & Scott, we do not think we are done yet. At Kain & Scott, we go the distance with you. To me, you don’t have your life back until 1) debt is gone and 2) your credit is repaired.

 If you are considering filing Chapter 7 or 13 Bankruptcy in Mankato, Minnesota, avoid this. You will find that bankruptcy law firms advertise in Mankato. You will also find that some firms claim to have an office open in Alexandria from 7 am to 9 pm. And yet, when you go to the location during these hours, the doors are locked. Moreover, the location is in the basement of a building actually belongs to another law firm altogether.

Once a bankruptcy case is filed, the debtor is protected by what is known as an ‘automatic stay.’ This is a fancy legal term that essentially means that all creditor communication with the debtor must stop. This also stops all further collections actions from creditors that are listed on the debtor’s bankruptcy petition. Once this automatic stay is in place debtors don’t have to worry about creditor calls, letters, or collections –it’s a powerful thing, the automatic stay. 

When you are facing a serious debt problem, information is key right? You want to know how scary is this and how scary is the process. You also want information about bankruptcy delivered to you in a way you can understand it. Thankfully, the LARGEST Chapter 7 and 13 Bankruptcy website in Maple Grove, MN is www.kainscott.com.

The changing of the seasons also brings big changes to Kain & Scott. A new office joins the recently open-for- business Roseville office! The first week of November sees the grand opening of our full-time, permanent Eden Prairie location!

You could not find a single person who will tell you that life is easy. It is not. In fact, sometimes it seems like life is purposefully cruel –dealing blow after blow, hit after hit, and just when you think there might be a moment of relief, life kicks you again when you are down. One of life’s lowest blows is overwhelming debt. Debt creeps into your life and when it finally sinks its fangs in, it is already too late. You are buried alive by it and suffocating –already weakened by the other curveballs that life has lobbed at you. It may seem hopeless. But it is not. 

I love it when I am looking to research a topic and I find the website that is the leading authority on it don’t you? If you need to research what is Chapter 7 and 13 Bankruptcy, what the bankruptcy process is like in Minnesota, and what are the fees, you need to go to www.kainscott.com, Minnesota’s LARGEST Chapter 7 and 13 Bankruptcy website. No cheesy gimmicks just quality information on what is a Chapter 7 and 13 Bankruptcy, what is the process of Chapter 7 and 13 Bankruptcy in Minnesota, and what are the fees.

Obviously, when you are considering filing Chapter 7 bankruptcy, the cost of filing Chapter 7 Bankruptcy is important. Some firms will not give you their fees over the phone or on their website. I guess they don’t want to deal with those people wondering how much the fees are to file Chapter 7 Bankruptcy. I honestly don’t know why a firm would not share the fees with you unless they cannot justify the price of their fees to you over the phone or on their website. Maybe there is a reason why you should make some extra phone calls if the firm is not interested in helping you get your life back beyond what is in your wallet.

It is not what you think at all. You think that every Minnesotan filing Chapter 7 Bankruptcy regrets filing the Chapter 7 Bankruptcy to begin with. Not true at all. In fact, the single biggest regret Minnesotans have after filing Chapter 7 Bankruptcy, is that they didn’t file the Chapter 7 Bankruptcy much sooner. Instead, we humans do the same thing over and over again. We suffer far too long before we seek help and get our lives back.

We can help you. At Kain & Scott, we honor the courage it takes to reach out to us for help in solving an overwhelming debt problem for good. We honor the courage it takes to reach out to us for help in solving a debt problem by treating you with kindness, helpfulness, professionalism and exceptional customer service. Trust me, we have heard all the horror stories of really subpar service. We have had guests tell us the lawyer they met with fell asleep during their consult, that the lawyer wanted to meet with the clients in his home, and young lawyers who meet with clients in spaces at night that are not even owned by the law firm.