Let me tell you the story of a former client of mine. She lived in Eden Prairie, Minnesota. I will call her Eve Padonk. Eve was an office worker at a local high school. She is a very nice person with a story to tell.

At Kain & Scott, we get this question a lot. Do I qualify for Chapter 7 or 13 bankruptcy? Financial problems come in different sizes and varieties. Generally speaking if you are looking at a bankruptcy website, then bankruptcy is something you should consider. Why do I say this? Because you are obviously struggling with some debt or you would not be searching for solutions right?

I know how to dance, but I don’t think I have ever learned how to 2 step- have you? Forget dancing for now, if you are up to your eyeballs in debt, you want simple solutions. No bullshit, no big talk, give it to me straight....how can I get my life back? At Kain & Scott our Eagan MN Bankruptcy Lawyers understand that. Dealing with overwhelming debt is crushing on your mental and physical spirit. Most of our guests have been dealing with overwhelming debt for years. If you live in Eagan and you are saddled with overwhelming debt, there is hope because we have developed a process of getting your life back that is comforting to our guests. Our promise to our guests is timeless.

When I feel down and out, I want someone on my side, going to bat for me, picking up the slack for me, because in the moment, I feel weak, and low energy. When you suffer from overwhelming debt, the last thing you need is an Eagan MN Bankruptcy Lawyer that is stuffy, mean, and makes you do most of the work. Have you ever talked to someone and you know they are speaking to you in a condescending tone? I don’t like it- at all!

The world is noisy isn’t it? I think it is. It seems like so much of life is fleeting and superficial. I am not trying to drowned you in despair- at all. Heck, I think the quiet moments in life, those moments when you lean back and reflect on life’s events are the real crown jewels. At 47 years of age, I can tell you that the one thing I have learned about life is how humbling it really all is.

Every year, Minnesotans who live in and around Minneapolis get their lives back and celebrate their new life with enthusiasm. If you are one of those people who filed Chapter 7 or Chapter 13 Bankruptcy and live here or anywhere else in the twins cities metro area, and you now have your life back, please know how much I am proud of you!

This is a source of great confusion in the marketplace. If you own a business, does the business need to file bankruptcy or you? Can I just file on business debts and not my personal debt? These are all great questions.

It is one of the top concerns of any Minnesotan filing for bankruptcy protection. What will this do to my credit? Will bankruptcy damage my credit forever? How can I repair my credit as fast as possible? Many of our guests say I would have filed bankruptcy sooner had I known I could repair my credit fast. And now you can. For the 1st time in Minnesota history, a Minnesota bankruptcy law firm offers a one of kind, exclusive, 90 DAY FREE* CREDIT REPAIR PROGRAM after obtaining a discharge. How does it work? It is easy.

I know- you think I am a little crazy saying this right? Well, I am a little crazy but I believe the above statement with all my heart. We start with the premise that everyone wants to pay their bills on time- everyone. There are not a lot of universal statements you can make but I believe this is one of them. But then something happens to us. That something is called life. If you have not yet been humbled by life’s events then you are not living- seriously, you are dead.

There is no secret about this, many Minnesotans suffer from overwhelming debt. It can happen to any of us at anytime for any reason. Life is humbling. When debt falls upon you, you stress out about paying it back and the fact that often you have no way of paying it back.

However, at Kain & Scott, when our guests start to think about whether bankruptcy makes sense for them or not, they don’t always worry about the act of filing or hiring a MN Bankruptcy Attorney, although that is a concern too. What they worry about more than anything, is how a bankruptcy will impact their credit long term.

So you have thought about bankruptcy until you are blue in the face and now it’s time to make a phone call- but to who? Do you know how many lawyers in Minnesota do bankruptcies and claim to do bankruptcies? There are a lot of attorneys in Minnesota who do bankruptcy work. The variation between attorneys and law firms is huge. How can you tell if the firm does bankruptcy as part of many offerings or if it is all they do? How can you tell if they are nice, and easy to work with?

Are you finding it increasingly difficult to keep your head above water with your finances? If so, you’re not alone. Thousands of hardworking people in Minneapolis struggle with overwhelming debt, each and every day. Often times it can feel like you’re alone but don’t let the illusion that everyone around you is managing their money efficiently, fool you.

It all seems like greek to me right? Should I file a chapter 7 or chapter 13 bankruptcy? Which one makes the most sense for me? Which one is better for me? Isn’t there an easy way to tell?