Filing for bankruptcy is a difficult decision. A decision that no one should take for granted or take lightly. When deciding whether or not to file a great question to explore is this: is filing for bankruptcy worth it for me? Taking into account all of your debts, incomes, expenses, and assets, is bankruptcy the best route for me. What are the pros and cons of filing? What is gained and what, if anything, is lost during the bankruptcy process? Most of these questions are best discussed with an experienced bankruptcy attorney in a consultation. But how does one decide to take that initial step and schedule an appointment? Here are some questions to ask yourself:

It is likely the most common question bankruptcy attorneys get. You want to know what is the “impact” of filing Chapter 7 Bankruptcy on your credit, right? Of course!  It is not what you think. In fact it is the opposite. But don’t take my word for it, ask our guests!

Kain & Scott is Rochester, MN’s oldest bankruptcy law firm. We have been doing bankruptcy work since 1972. I am going to let you in on one universal truth we have learned over the years. That is, Minnesotans wait far too long before they file Chapter 7 Bankruptcy and get their lives back. I know, we as humans want to avoid the “b” word. But let me ask you a question: Would you avoid a medical procedure if you knew that you would IMMEDIATELY get relief from the procedure? You would not, right? The same holds true for bankruptcy.

There are things you should never do before filing Chapter 7 Bankruptcy. Experienced bankruptcy attorneys can guide you through the complicated landscape of bankruptcy in Minnesota. We have seen what happens when someone refuses to pay for quality bankruptcy representation and it is not pretty.

Whenever I hire professionals, I expect the professional to be kind to me, answer my phone calls, and of course, they must know what they are doing. I realize people need to start out somewhere in life but honestly, I would prefer they not start out on me.

Let’s face it, there are a lot better words in the English dictionary than bankruptcy. But, thank goodness we have a tool to fix a problem. It is not different than taking aspirin for a headache. What exactly is a Chapter 7 Bankruptcy?

If you are filing Chapter 7 Bankruptcy in Duluth, MN you want the best Duluth, MN Chapter 7 Attorney right? Of course! I know I would too. If you spend 15 minutes or less researching the best bankruptcy lawyer in Duluth, MN you are going to find an awesome bankruptcy attorney.

Although it may not seem like it, when you are struggling with overwhelming debt you do have choices. Some may not be the most desirable or the best choices, but it is a good idea to take a look at all of your available options.

One of the things that a Kain & Scott attorney will help you to do during your initial consultation is to take inventory of all of your assets, income, expenses, and debts. Our attorney will collect this information and, based off of it, make a recommendation on what the best avenue is for getting your life back!

We know how hard you have worked for everything that you have. Those household luxuries that most take for granted mean so much more than their material cost. They are comfort and memories. This is especially true for those who are suffering from overwhelming debt.

One of the most important documents that you will receive from our office after you have had your initial consultation is a personalized document checklist. Based off of your conversation with one of our attorneys, a checklist will be drawn up for you to take home.

Bankruptcy can feel lonely. No one talks about it. No one wants to admit they are in an active bankruptcy or have filed for bankruptcy in the past. Many filers feel that their only lifeline during this difficult time is their attorney. And, let’s be honest, most attorneys don’t exactly have what we call “bedside manner.” This doesn’t really help with the “lonely” feeling.

I am the type of person who does not like the unexpected. Before I do anything, I want to know: what is the plan? What can I expect? When, where, and how are things going to happen? Whether it is a night out with friends or an important doctor’s appointment, I need to know what is going on!

If you are looking for the best bankruptcy law firm in Rochester, MN, you found it! Ok, I know, we are tooting our own horn which can come off as unseemly. But, what if I told you we are not the ones tooting our own horn? What if I told you that your own family and friends in Rochester, MN voted Kain & Scott not only Rochester’s, but Minnesota’s BEST bankruptcy law firm by making Kain & Scott the HIGHEST Google reviewed bankruptcy law firm!? It is true, and the benefits you!

At Kain & Scott we understand how terrifying it is for guests to face the prospect of a bankruptcy. Most of us have some level of anxiety in general. But, when it comes to bankruptcy, and the thought of filing one, most of our anxiety levels would shoot the moon. Why? Why is it that people are afraid to face bankruptcy if they need to do so to protect their family?

One of the most powerful human motivators is shame. Shame can drive you to make choices you might not have wanted to. Shame can also keep you from making the choices that are in your best interest. Typically, people believe that filing for bankruptcy is shameful. Bankruptcy is something to be hidden and locked away and never spoken about.