The regret our guests have is not that they did file bankruptcy, the regret they all have is that they waited far too long before they filed bankruptcy. We Minnesotans eat poop far too long before we seek the help we should. Nobody should suffer for years with overwhelming debt- and yet thousands of Minnesotans do each year.
Perhaps part of the delay is caused by not knowing which bankruptcy law firm to choose? Once you have determined that you need to have a discussion with a bankruptcy attorney, my goodness, who do you choose? Do you pick a number off a park bench, or maybe a billboard, or the bathroom wall? Ok, I am getting a little silly- but seriously, how do you go about choosing the right MN Bankruptcy Law Firm? Well, lucky for you that just happens to be the topic of this post!
Choosing the right Minnesota bankruptcy law firm is easier than you think! Let us guide you down this path. The first step in choosing a bankruptcy law firm is the easiest!
As I said, this is the easy part. Would you want a family doctor doing heart surgery on you? Of course not, so then why choose a general practice lawyer to do your bankruptcy? The bankruptcy code is quite extensive and complicated. When we see bankruptcy cases go wrong, we often wonder if there was enough understanding of the code and the bankruptcy trustee processes before the case was filed.
If you start out by choosing only law firms that do nothing but bankruptcy work, you will get lawyers whose sole focus is on filing chapter 7 and chapter 13 bankruptcies. These lawyers will know the process and the code and can guide you to successful conclusion of your case.
By choosing a bankruptcy only law firm you will have reduced the number of firms you look at in Minnesota to just a handful. Step 1 is now complete.
When choosing a bankruptcy law firm, research one that HELPS you get your life back by 1) HELPING you get rid of your debt and 2) HELPS you improve your credit in house. Helping you get rid of your debt means that the bankruptcy law firm should do most of the work not dump a huge pile of forms in your lap and make you do most of the work. HELPING you get rid of your debt also means pulling your credit reports for you and not making you do that too. Finally, make sure the law firm does their due diligence on you by pulling your asset reports too.
The second step, is the bankruptcy law firm should help you repair your credit immediately and in house. HELPING you repair your credit should include free judgment removal (except costs), in house help with repairing your credit reports, and help with a course to learn tricks on how to improve your credit down the road. Finally, the firm should have relationships with third parties that help you obtain auto and home financing after the bankruptcy is done.
Never let a law firm give you a code to go to someone else’s site so you can do all of the work. That is not truly helping you. If you eliminate any bankruptcy law firm that doesn’t help you repair your credit you might be down to just one or a very few.
What former guests have to say about their experience with the bankruptcy law firm is pure gold. Make sure you read every last review as some firms may try to hide really negative unbiased reviews with newer reviews that are nothing but sugar and spice. Don’t be fooled! If you read what others have to say about their experience with the firm’s service, you will get a great sense of what it is like to be a guest of the bankruptcy law firm. After this, my guess is you are down to one Minnesota bankruptcy law firm that you will choose to help you get your life back.
Research whether the bankruptcy law firm guarantees their service to their clients. Do they offer money back if you are not 100% satisfied with their service? If you are living in Eagan, Minnesota and want to file a chapter 7 bankruptcy, how can you go wrong with a bankruptcy law firm that says, hey, not happy, we will refund you 100% of your fees if we can’t make it right?
A firm that guarantees their service to you is more confident in their service than if there is no guarantee.
I am willing to bet you that after going through these 4 choices you are going to be down to one firm. But, don’t take our word for it! Do your research before you choose the bankruptcy attorney that is right for you!
Unfortunately, we have met with many guests over the years, that had they done even a little bit more research before they hired a bankruptcy law firm, would have chosen a different bankruptcy law firm other than the one they did.
Don’t have buyer’s remorse. Think about what criteria your Minnesota bankruptcy law firm should have before deciding on which bankruptcy law firm is the right one to help you get your life back. If you have additional questions, feel free to reach out to us at www.kainscott.com.