I have never heard of a single person in Minnesota regret the decision to file chapter 7 or chapter 13 bankruptcy. To the contrary, many claim it’s one the best decisions they ever made. Unlocking yourself from the chains of debt and freeing yourself to live your life again is a huge gift.
But, just getting rid of debt in a chapter 7 bankruptcy is only part of the job. If you live in Monticello, Minnesota, and you want to go buy a car at the local auto dealer, you are not going to find it funny when judgments appear on your public record even though your liability on the judgment has been wiped out in the bankruptcy case.
Of course, credit reports themselves can be notoriously wrong and contain incorrect information that may create a cloud on your credit and prevent you from buying that car. When this happens, you will not find it funny- trust me.
That is why at Kain & Scott, getting rid of your debt is only step 1. Step 2 involves repairing your credit fast. Our unique 90 day Free Credit repair program is limited to KainScott guests only. We have had others try to take advantage of this program but we limit the program to our guests. All others have to pay for these services.
As soon as our guests receive their discharge, we invite them to enroll in our FREE 90 day credit repair program. What do our guests receive?
When my son was young, he used to say- for real live? Yes, our guests get a live human being at Kain & Scott whose job it is to shepherd our guests through the process of repairing their credit fast. We know there are numerous on-line resources available but we would never give our guests a code and tell them to go to someone else’s site and improve their credit on their own.
At Kain & Scott we believe in helping our guests all of the way. Some firms don’t want to hear from their clients once the client has their discharge. We think this is strange at Kain & Scott and just wrong. We create lifetime relationships with our guests.
Kain & Scott is Minnesota’s oldest bankruptcy law firm. We have been in existence since 1972. Since 1972, we have built a lot of lasting relationships with professionals from all over the state of Minnesota.
We have a list of those professionals who help our guests obtain auto and home financing after bankruptcy. We only put professionals on the list that share our core values- kindness, helpful, professional, and exceptional customer service. We have removed professionals from our list who can’t live up to these values.
Of course, we have a list of professionals who provide many other services as well. Wills, divorce, personal injury, they are all there. Again, this list is only available to KainScott guests.
I can’t tell you how many times a guest would call us frustrated with a professional only to find a different professional on our list a rock star who saved the day! We really enjoy hearing these stories. If you live in Monticello, Minnesota, or anywhere else in Minnesota for that matter, we have you covered.
When you file bankruptcy and receive a discharge, there is not a little bankruptcy dude that runs across the state of Minnesota and erases the public record for you. While the bankruptcy discharge negates your liability on the discharge the judgment will appear on the public record and it will come up at the most inconvenient times. Like when you are trying to purchase a vehicle or buy a home. You will not find this funny. We don’t blame you.
Except for costs, at Kain & Scott we charge no attorney fees to remove these judgments from the public record. It’s just another way in which Kain & Scott HELPS you get your life back.
Eliminating these judgments from the public record is another step towards repairing your credit fast!
As stated above, credit reports are not always correct. When the credit reports show you still owe creditors you know were listed on your bankruptcy and have been discharged, it can be really frustrating to still see them on your credit report after the bankruptcy is over.
To solve this problem, a Kain & Scott repair specialist will meet with you and go over your credit reports to make sure the information being reported is true and correct. We can help you prepare and send dispute forms to each credit reporting agency to help repair your credit report.
Correcting your credit reports is a must to restoring your credit both short and long term.
Recently, I spoke with a previous client of our on the phone. He was having a credit issue and needed help. When I told him one little trick he didn’t know he said, your kidding me. Sometimes, what you think you should be doing is not what you should be doing at all.
Our little mini course offers our guests little nuggets of wisdom like this so you can begin to use this information immediately to improve your credit profile. Our guests have suffered from credit problems for many years- they want to repair their credit fast so they can get on with their lives.
With our FREE Credit Repair Program, it allows our guests to do just that!
When the time is right, or when you are ready, reach out to Minnesota’s 24/7 Bankruptcy Hotline at www.kainscott.com.