The changing of the seasons also brings big changes to Kain & Scott. A new office joins the recently open-for- business Roseville office! The first week of November sees the grand opening of our full-time, permanent Eden Prairie location!

You could not find a single person who will tell you that life is easy. It is not. In fact, sometimes it seems like life is purposefully cruel –dealing blow after blow, hit after hit, and just when you think there might be a moment of relief, life kicks you again when you are down. One of life’s lowest blows is overwhelming debt. Debt creeps into your life and when it finally sinks its fangs in, it is already too late. You are buried alive by it and suffocating –already weakened by the other curveballs that life has lobbed at you. It may seem hopeless. But it is not. 

I love it when I am looking to research a topic and I find the website that is the leading authority on it don’t you? If you need to research what is Chapter 7 and 13 Bankruptcy, what the bankruptcy process is like in Minnesota, and what are the fees, you need to go to www.kainscott.com, Minnesota’s LARGEST Chapter 7 and 13 Bankruptcy website. No cheesy gimmicks just quality information on what is a Chapter 7 and 13 Bankruptcy, what is the process of Chapter 7 and 13 Bankruptcy in Minnesota, and what are the fees.

Obviously, when you are considering filing Chapter 7 bankruptcy, the cost of filing Chapter 7 Bankruptcy is important. Some firms will not give you their fees over the phone or on their website. I guess they don’t want to deal with those people wondering how much the fees are to file Chapter 7 Bankruptcy. I honestly don’t know why a firm would not share the fees with you unless they cannot justify the price of their fees to you over the phone or on their website. Maybe there is a reason why you should make some extra phone calls if the firm is not interested in helping you get your life back beyond what is in your wallet.

It is not what you think at all. You think that every Minnesotan filing Chapter 7 Bankruptcy regrets filing the Chapter 7 Bankruptcy to begin with. Not true at all. In fact, the single biggest regret Minnesotans have after filing Chapter 7 Bankruptcy, is that they didn’t file the Chapter 7 Bankruptcy much sooner. Instead, we humans do the same thing over and over again. We suffer far too long before we seek help and get our lives back.

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.

 At Kain & Scott, we understand how you feel. Our former guests felt the same way you do now. But what our former guests found is just the opposite. Getting their lives back was not only powerful but they regretted waiting so long before they filed bankruptcy, to begin with. 

The week of October 7th begins with the grand opening of Kain & Scott’s permanent, fully-staffed Roseville location! Located snuggly between Rosedale Center and the Como Park Zoo and Conservatory, our new full-time bankruptcy law office is right in the heart of Roseville. It is right off of Snelling Avenue and a convenient location for our clients in both the Minneapolis and St Paul areas who do not want to face the hassle of navigating through the downtown areas and shelling out for over-priced parking!

We all hit highs and we all hit lows in our lives. Of course, the highs seem to end in a flash and the lows seem particularly dark and endless. To pull ourselves out of the lows, often times we must humble ourselves and ask for help or make difficult decisions filled with lingering impacts and uncertainties.

Do you have any idea how much courage it takes to reach out for help with solving an overwhelming debt problem? A lot!  That is why you should never let yourself be treated by any bankruptcy professional less than a rock star. Trust me, we have heard your complaints over the years. Rude lawyers and staff, unprofessional spaces, lawyers that fell asleep at the consult, you cannot believe some of the stuff we have heard.

The US Constitution gives Congress the power to make laws that pertain to filing bankruptcy. Congress has enacted the Bankruptcy Code to define what Chapter 7 Bankruptcy is and what are the rules that define it. Each year, across the country, hundreds of thousands of citizens use the Chapter 7 Bankruptcy Code to get their lives back. 

Once a person has filed for bankruptcy a kind of protective barrier goes up around a debtor. This “barrier” keeps the debtor safe and cut off from direct contact with creditors who are attempting to collect on debt incurred by the filer. The bankruptcy “barrier” consists of many different layers: your bankruptcy attorney, the bankruptcy court, your creditor’s attorneys, and what is also known as the automatic stay. All of these are put in place to further protect you from collections action, garnishments, foreclosures, and also immediately ceases any creditor calls, letters, or e-mails.

Let’s face it, there are better words in the English dictionary other than bankruptcy. But if you are in Minnesota and you are suffering from overwhelming debt, you will need to do some research on bankruptcy—what it is, what is the process, and what are the fees. If you are like me, you find it really annoying to have to skip around to different websites to try and cobble together information about a subject. 

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.