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.

Have you ever heard of the word “gimmick”? I bet you have. The word means a “trick” intended to attract attention, publicity, or business. Unfortunately, when people suffer from debt, there are companies and law firms that use tricks to betray the public’s trust. How so?

We see a lot of Minnesotans who are suffering from overwhelming debt. When they initially speak to us they always want to know, are there things I should not do before filing Chapter 7 Bankruptcy? The answer is yes! Two things come to mind right off the bat. Sometimes, it is not that these things will prevent you from filing Chapter 7 Bankruptcy, but they will definitely complicate your bankruptcy needlessly.

Let me ask you a question. Do you think when something bad happens to you in your life it is the last time something bad will ever happen to you again? Hardly right? I have seen Minnesotans go from a failed business to a failed marriage to a heart attack and in all three scenarios the debt was overwhelming. In each case, the debt that resulted caused a bankruptcy filing.

There are entities that unfortunately take advantage of people who are suffering from overwhelming debt. If you live in Minnesota and are suffering from overwhelming debt, watch out for this: There are out of state “law firms” that solicit you to hire them to file bankruptcy and then they refer you back to Minnesota to a lawyer who may or may not have the best bankruptcy experience.

When I hire a professional, any professional, I expect you to 1) be kind, 2) be helpful, 3) be professional, and deliver exceptional customer service. This means I need you to be very communicative with me, and I need you to know your stuff well. At Kain & Scott, we are Minnesota’s OLDEST bankruptcy law firm. We have perfected the process of filing bankruptcy to be the most comforting and soothing to our guests as possible. Our people and our spaces are very professional.

While we hope the most stressful decisions in our marriages amount to ‘who is picking up the kids from curling practice?’ and ‘what shade of taupe should we paint the foyer?’ chances are that is not going to be the case. Many couples find themselves in the position to file for bankruptcy. This brings up a frustrating and confusing dilemma –do we file jointly or does only one of us file? The decision, of course, is ultimately up to you and your significant other. But, if you are having trouble weighing the pros and cons, consulting your Kain & Scott attorney and running through the breakdown of your debts is the best thing that you and your spouse can do.

Creditors will use all types of shady, threatening tactics to attempt to frighten debtors into paying up. One of the most important defenses a debtor can have to combat these vultures is knowledge. Knowing your rights and knowing what income and assets of yours are protected from collection by creditors. By being aware of the limitations creditors have, you can regain some of the power creditor harassment strips you of.

A large number of potential clients walk through our office doors with the threat of repossession looming over them. It, more often than not, is the push that gets them in for a consultation. Most times their creditors are threatening to take away a family’s vehicle. The only source of transportation the family has and essentially their livelihood! How can someone pay off their debts if they have no way of getting to their job or earning money? Repossession is a huge concern for our clients. So, what are one’s options when facing a potential repossession?

If you are suffering from overwhelming debt in Minnesota, you are not alone. Each year, over 15,000 Minnesotans file Chapter 7 or 13 Bankruptcy in Minnesota. In some years, that number is much higher.  Minnesotans file more Chapter 7 Bankruptcies than Chapter 13. If I had to guess, the number is probably 3 Chapter 7 Bankruptcies to every Chapter 13 Bankruptcy. 

With nine full-time attorneys and five permanent staffed locations and growing, Kain & Scott always wants to ensure that we have our clients at the forefront. No matter how many offices, attorneys, or staff members our firm grows to we want to make sure that our clients always get the same top-notch service that Kain & Scott is known for. 

Chances are your bankruptcy case is going to be filed and you will receive your discharge with nothing more than one or two natural and easy to resolve hiccups along the way. But what if there comes along a little complication post-petition filing? A concerning letter from the bankruptcy court or a misstep during your Chapter 13 payment plan? No need to worry! We have got you covered. Just because your case has been filed does not mean that you have gotten rid of us just yet! There are many things that may or may not pop up after your case has been filed that we are able to help you through. Never hesitate to ask or to reach out!

Most who file for bankruptcy want to file a Chapter 7. By filing Chapter 7, everything is said and done within three to six months and the slate is wiped clean. So when potential filers learn that they are only eligible to file a Chapter 13 or their attorney recommends a Chapter 13 over a Chapter 7, they panic. Three to five years in bankruptcy with monthly payments throughout the duration of that time? Why would someone file a Chapter 13 and drag the process out when Chapter 7 gets you out of debt faster with no payment plan?

A common concern people contemplating filing Chapter 7 Bankruptcy have is what assets can I keep if I file Chapter 7 Bankruptcy? Will I lose all my assets? Can I keep all my assets? Exactly what will I lose and what can I keep?

Have you ever been interested in a topic and wanted to research it but there was no one place to research everything you want and need to know about the topic? That is more than frustrating right? I could not agree more. That is why Kain & Scott set out to build and maintain Minnesota’s LARGEST Chapter 7 and 13 Bankruptcy website at www.kainscott.com. At www.kainscott.com you will find everything you are looking for about what is Chapter 7 and 13 Bankruptcy, what is the bankruptcy process, what are the costs, and many do’s and don’ts before and after filing bankruptcy.

When I was growing up, whenever I wished for something that was beyond my control, my mom would say, “if your aunt had nuts, she would be your uncle.” Sometimes, you simply cannot change the facts before you. If you have overwhelming debt, there is no snap of the finger that will make that fact change. And of course, we all hope for those windfalls that never come—you know the lottery winning that will make this all go away fast right?