Is your debt snowballing out of control this winter?
If there’s one thing that Minnesotans know, it’s snow. With an average annual snowfall of between 36 and 70 inches, The North Star State has experience handling whatever Old Man Winter throws its way.
But if you have snowballing debt, you will need more than a shovel and mittens this Minnesota winter.
Snowballing debt is debt that, despite not using your accounts, continues to grow. Interest, late fees, and other penalties can keep accumulating on your principal amount even after you stop using them. Like a snowball that starts off small on the top of a hill, as time passes, the debt becomes bigger and more out of control until it can seem unstoppable.
If you want to stop your snowballing debt right in its snowy tracks, the bankruptcy specialists at Kain & Scott can help!
The effect of bankruptcy on your debt
At Kain & Scott, we specialize in two types of bankruptcy: Chapter 7 and Chapter 13. While there are significant differences between each chapter, both have the awesome effect of eliminating your unsecured debt forever! Unsecured debt—debt that is not backed by collateral, like hospital bills and credit card balances—makes up a significant portion of most individuals overall debt.
Filing for Chapter 7 bankruptcy in Minnesota with Kain & Scott allows you to erase all your unsecured debt in as little as 90 days without repaying your balances: known as the “Fresh Start” bankruptcy, Chapter 7 quickly discharges your debt forever!
Filing for Chapter 13 bankruptcy in Minnesota with Kain & Scott, on the other hand, lets you eliminate your unsecured debt after a repayment period of 3-5 years. The payments are based on what you can afford and, at the completion of your repayment period, the remainder of your debt is erased forever! Chapter 13 has the added bonus of allowing you to keep the big-ticket items you love, like your home, car, and boat.
While both Chapter 7 and Chapter 13 wipe out your debt, each has its own qualifications and restrictions. At Kain & Scott, we specialize in bankruptcy and can review your financial information, evaluate the appropriateness of each type, and recommend the type of bankruptcy that is best for your family.
Our Minnesota bankruptcy services are fast, easy, and convenient
Filing for bankruptcy in Minnesota can be overwhelming: collecting information, completing paperwork, and navigating the bankruptcy process on your own can be just as stressful as being in debt!
With Kain & Scott, your Chapter 7 or Chapter 13 Minnesota bankruptcy will be fast, easy, and convenient!
One of our bankruptcy specialists will meet with you to discuss your financial information and determine which type of bankruptcy is right for you during your free initial consultation from the comfort of your own home via Skype, Facetime, or telephone. After your free initial consultation, we get to work right away collecting your information and completing your paperwork for you. You’ll meet with your bankruptcy specialist again to review and sign your paperwork—again without ever leaving the house—and our team will have your bankruptcy petition filed within days!
Let us help you erase your debt AND repair your credit fast!
At Kain & Scott, we don’t just offer knowledgeable and effective bankruptcy representation. We know that your credit score is an important number that affects your ability to get financing. With our exclusive FREE 90 Day Credit Repair Program, you can learn the tips you need to get your credit back on track fast! We’ll also offer you a list of trusted Minnesota lenders that your family can use to finance the items you need.
Contact Kain & Scott today for your free initial consultation
Don’t let your debt continue to snowball out of control – melt your debt fast with the bankruptcy services of Kain & Scott! Contact us online at www.kainscott.com to schedule your free initial consultation today. We’ll evaluate what type of bankruptcy is best for your family while offering you specialized assistance navigating the complex process of Minnesota bankruptcy.
From erasing your debt to repairing your credit, the experienced bankruptcy specialists at Kain & Scott stay right by your side throughout your financial transformation. With affordable flat-rate fees and a 100% Money Back Guarantee, you can trust that our Chapter 7 and Chapter 13 Minnesota bankruptcy services are risk-free and cost effective.
With just a few clicks, you can conveniently schedule your free initial consultation online, taking a big first step towards financial independence. Stop worrying about your debt and start erasing it with the friendly, experienced, and knowledgeable bankruptcy specialists at Kain & Scott, Minnesota’s oldest bankruptcy law firm, today.
