Welcome To The MN Bankruptcy Blog

Inside you will find over 500 helpful articles discussing the Chapter 7 & 13 Bankruptcy Process and other solutions for difficult financial situations.


      Looking to file Chapter 7 Bankruptcy in Eden Prairie, MN? Avoid This!

      Posted by Wesley Scott on October 2

      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?

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      Tips for Designing a Successful Chapter 13 Repayment Plan

      Posted by Wesley Scott on July 8

      Individuals who desire to reorganize their debts under Chapter 13 of the United States Bankruptcy Code must file a proposed Chapter 13 repayment plan. As part of the Chapter 13 repayment plan, you will propose to the court and your creditors how you intend to repay your debts (often times unsecured debts only get paid pennies on the dollar-and the balance owed gets discharge, i.e. wiped out, tax free). In order to be eligible to file a Chapter 13 case, you must have a regular source of monthly income, such as wages from employment or income from self-employment, social security, pension or other reliable source that can be verified by the court. Some debtors may be able to demonstrate regular assistance from family members to satisfy the income requirements to file for Chapter 13 relief.

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      A Chapter 13 Attorney Logically Explains "Why Choose Bankruptcy"

      Posted by William Kain on June 24

      Struggling with credit card debt is stressful and confusing, but it doesn’t have to be. There are options for consolidating and eliminating your debt, including filing for Chapter 13 bankruptcy. Most clients ask, “Why choose Chapter 13 over hiring a debt consolidation company?” The answer is simple, Chapter 13 allows you to put you and your family ahead of your creditors. Let me explain.

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      5 Questions to Ask an Attorney During a Free Debt Consultation

      Posted by Wesley Scott on September 16

      Making the decision to file bankruptcy is not easy. Most people struggle with how to handle their financial problems and only come to the conclusion to file bankruptcy after considering all other alternatives. By the time you arrive at a bankruptcy attorney’s office for a free debt consultation, you’ll have dozens of questions to ask the attorney about the bankruptcy process. While you will likely have questions to ask an attorney that are specific to your situation, it is beneficial to add the following questions to your list of topics to discuss:

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      How To Find The Best Bankruptcy Attorneys in Eden Prairie, MN

      Posted by Kelsey Quarberg on August 13

      Are you tired of creditors pulling the strings on your finances? Do you wish you could cut the strings from your debt and improve your credit score, but don’t know how? Puppet shows are a universal children’s favorite: the bright lights, colorful scenery, and whimsical puppets delight audiences in Minnesota and beyond.

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      2 Steps That You Always Want Your MN Bankruptcy Attorney To Take

      Posted by Wesley Scott on January 25

      There is no secret about this, many Minnesotans suffer from overwhelming debt. It can happen to any of us at anytime for any reason. Life is humbling. When debt falls upon you, you stress out about paying it back and the fact that often you have no way of paying it back.

      However, at Kain & Scott, when our guests start to think about whether bankruptcy makes sense for them or not, they don’t always worry about the act of filing or hiring a MN Bankruptcy Attorney, although that is a concern too. What they worry about more than anything, is how a bankruptcy will impact their credit long term.

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      Learn What To Expect From Your Free Bankruptcy Consultation

      Behind on Utilities? Here’s How a MN Bankruptcy Attorney Can Help

      Posted by Erick Bohm on January 14

      If you’re grappling with your finances and trying to stay afloat, it’s quite possible you have fallen behind on your utility bills. Well, if you have, you’re certainly not alone. When you’re living paycheck to paycheck, it’s tough deciding which bills you pay and which ones you don’t. Often times you take turns paying your debts. If you’ve fallen behind on utilities, don’t worry. When you file for bankruptcy we can make sure you’re protected from the past due amounts that are owed. After the bankruptcy, there may be a few things you have to do to keep your services, but we’ll talk about that too. The main thing I want you to know is, it’s all going to be ok. No matter what you’re faced with, we can help you manage the obstacles in front of you. Take a look at the scenario below and then read about how the MN Bankruptcy Attorneys at Kain & Scott helped Tony with his situation.

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      How Kain & Scott's MN Bankruptcy Attorneys Helped Protect Nickie

      Posted by Erick Bohm on January 11

      First, let me tell you a little bit about Nickie. In one word – Wow! She is an extremely impressive, hardworking, mother. She works three jobs and has a teenage daughter at home. Can you imagine having to work three jobs, raise a teenager by yourself, and still pay off your debts?! Yikes! Despite Nickie’s tenacity, she fell victim to overwhelming debt. She made every effort to pay off her debts, but finally reached “the point”. If you reach “the point” when it comes to your debt, you’ll know exactly what I’m referring to. Nickie started receiving court summons in the mail that eventually turned into judgments. As she knows, the next step is wage/bank garnishment. Once that happens, the creditors will start taking up to 25% of her paychecks. Our MN Bankruptcy Attorneys simply could not let this happen.

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      How Kain & Scott's MN Bankruptcy Attorneys Helped Mike Get His Life Back

      Posted by Erick Bohm on January 10

      Recently, a man Mike approached our experienced MN Bankruptcy Attorneys at Kain & Scott with concerns about his paychecks being garnished. No fault of his own, Mike fell severely behind on medical bills after having surgery about a year ago. Because of the type of surgery, Mike has been unable to work a full 40 hour week since. Before the surgery Mike was an experienced electrician making very good money. Unfortunately, his surgery has prevented him from performing his trade as he once did. Since the surgery, Mike has only been able to earn about 30% of what he once did.

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      A Day In The Life With A Minneapolis Bankruptcy Attorney

      Posted by Wesley Scott on January 4

      Are you finding it increasingly difficult to keep your head above water with your finances? If so, you’re not alone. Thousands of hardworking people in Minneapolis struggle with overwhelming debt, each and every day. Often times it can feel like you’re alone but don’t let the illusion that everyone around you is managing their money efficiently, fool you.

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      3 Ways To Talk To A Minneapolis Bankruptcy Lawyer Almost Instantly

      Posted by Wesley Scott on December 30

      We are in an age of consumer convenience. Consumers insist on meeting/speaking with professionals in much more convenient ways than yesteryear. I want to be very clear, I still think a face to face meeting is the best way to meet with a bankruptcy attorney.

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      Get Your Life Back | Going Beyond Debt Help

      Posted by Wesley Scott on December 25

      Bankruptcy is our core – it’s not just what we do, it’s all we do. We believe it is a tool that should be used to help people get their lives back. Most clients come into our office feeling hopeless, helpless and defeated, but leave feeling invigorated and free. Bankruptcy allows debtors to recover and rebuild after a financial crisis, or in other words, get their lives back. However, our commitment to our clients does not stop at the filing of their bankruptcy case.

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      Who Is Kain & Scott And Why Does It Matter To Me?

      Posted by Wesley Scott on December 9

      I seldom like to write about ourselves. I guess it’s my Minnesota upbringing that makes me shy away from tooting our own horn for any reason. But, then it dawns on me, we have to tell our story so our Minnesota guests can understand who we are and why it’s important to those of you reading this blog. If you are considering filing a bankruptcy in the state of Minnesota, this blog is important to you- keep reading!

      Finding and meeting a Bankruptcy Lawyer to help you get your life back is very important. This is an emotional time for you and you need someone who understands what you are going through. With this in mind, let me tell you who Kain & Scott is.

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      MN Attorneys: Here's Why Your Clients Shouldn't Do Traditional Debt Consolidation

      Posted by Wesley Scott on August 18

      So, you are a Minnesota lawyer with a clientele from all walks of life. How many times have you heard a client say they have overwhelming debt? The answer is probably a lot right? And how many times has the suggestion to solve the problem been maybe you should consider debt consolidation? The answer agin is probably a lot right?

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      We are Your "Minnesota Nice" Bankruptcy Attorneys

      Posted by William Kain on October 29

      Are you considering filing a bankruptcy to solve your debt problems but you have heard from friends, family members, co-workers and others that bankruptcy attorneys can be difficult, harsh, and somewhat coldhearted? If so, we want to introduce you to our way of doing business as a bankruptcy law firm…

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      What Past Clients Had to Say About Kain & Scott

      Posted by William Kain on October 15

      At Kain & Scott, PA, you - the client - are our number one priority. Each client’s situation is different; therefore, we take the time to get to know your individual financial situation so that we can help you determine the best way to resolve your financial problem.

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      Why Cheap Minnesota Bankruptcy Attorneys Aren't Worth Your Time

      Posted by Wesley Scott on August 25

      Are you wondering if you should file a bankruptcy to get rid of your debt?  You have likely read information on the Internet and talked to friends, family, or co-workers who filed bankruptcy successfully, but you are still unsure if a bankruptcy is the best way to deal with your debt problems.  If you are considering a bankruptcy filing, you need to consult with a qualified Minnesota bankruptcy attorney before you make any final decisions. 

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      We're Striving to Be the Best Bankruptcy Lawyer in Woodbury, MN

      Posted by Wesley Scott on August 11

      Are you searching for the best bankruptcy lawyer in Woodbury, MN? The attorneys at Kain & Scott have one goal — to help individuals and businesses who are experiencing financial troubles. You have suffered with debt problems long enough. You deserve to get on with your life without the threat of being sued by a creditor or harassed by a debt collector. 

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      Minnesota Bankruptcy Attorney: Where Our Motto Came From

      Posted by Wesley Scott on March 31

      “We don’t judge you, we help you get your life back.”

      The Minnesota bankruptcy attorneys at Kain & Scott live and breathe that motto. It wasn’t always written down on paper or hanging on the walls, but it has always been our driving force.

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      Why You Should Pick Kain & Scott as Your Minnesota Bankruptcy Attorney

      Posted by William Kain on February 24



      Choosing a Minnesota bankruptcy attorney is a big decision. With there being hundreds to choose from, how do you make sure that the one you pick is right for you? Some factors you may want to consider when choosing an attorney are:

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      Learn More about William Kain and His Bankruptcy Background

      Posted by William Kain on February 12



      William Kain was born and raised in St. Cloud, MN. He came from a modest home where his parents made financial sacrifices to make sure that their children were provided for. Bill greatly appreciates the sacrifices they made, because he enjoyed going to school and was able to obtain a law degree from the University of Minnesota Law School after graduating from Saint John’s University.

      In 1982, after graduating from law school, Bill came back to St. Cloud to practice. Starting off Bill’s focus was not on bankruptcy. However, when the demand for bankruptcy work increased due to the financial crisis that occurred in the agriculture community, he decided to give it a try. From the first bankruptcy case he filed he knew it was a rewarding area of practice for him because he enjoyed working with the clients and enjoyed the end results.

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      Learn More about Wesley Scott and His Bankruptcy Background

      Posted by Wesley Scott on January 27



      Wesley Scott grew up in a humble family of nine children in Foley, Minnesota. His dad worked in a factory and his mother was a work-at-home mom. Not only did his mom take care of her nine children, but she also babysat other children to earn money to feed their family. It was a big family, with lots of love, but little money.

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      Your Wedding Rings are Safe, Thanks to Your Local Bankruptcy Lawyer

      Posted by Wesley Scott on July 24

      I strongly believe that a person should not fear losing his or her wedding ring due a debt. Wedding rings are a symbol of a couple’s union and should be preserved at all costs. As a bankruptcy lawyer and a citizen of Minnesota, I did not think that the existing laws (prior to 2005) were fair because they permitted creditors to take a person’s wedding ring to satisfy a debt; so, I decided to do something about it.

      Lack of Protection for the Symbol of Marriage

      Prior to the change in Minnesota exemption laws, a creditor could obtain a judgment against you that would allow them to seize your wedding ring to satisfy the debt you owed. Under Minnesota Statute 550.37, certain assets of a debtor are considered exempt. In other words, creditors cannot seize these assets from a debtor to pay the debtor’s debts. Under the old exemptions laws, a debtor’s wedding ring was not exempt. Creditors were able to seize your wedding rings, sell them and use the proceeds to pay the debt that you owed. Can you imagine owing a dentist bill for $300 and having your wedding ring seized and sold to pay for the debt?

      Some people wondered why I was so passionate about working to change the exemption laws where wedding rings were concerned. To me, the prospect of losing a wedding ring to your creditors is despicable. I can understand losing a jet ski to your creditors to satisfy your debts, but not a wedding ring. A wedding ring is the symbol of marriage between two people.

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      Working to Change the Chapter 13 Bankruptcy Rules | Student Loans

      Posted by Wesley Scott on July 22

      Student loans are a serious debt problem for millions of Americans. Bankruptcy is designed to help provide relief for debtors who are struggling with overwhelming debt. However, in most cases, student loans are non-dischargeable in a bankruptcy proceeding. Debtors who desperately need assistance resolving their debt issues are not truly afforded a fresh start if a majority of their debt stems from student loans. This is why I am working to change the laws governing student loans in bankruptcy.

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      Dangers of Filing with the Stereotypical "Big-City" Bankruptcy Lawyer

      Posted by Wesley Scott on June 24

      You see their ads on television, billboards and on every webpage related to debt relief - - the stereotypical “Big City” bankruptcy lawyer. They play on your emotions and promise you immediate relief from debt collectors and creditors. However, what they do not explain in their advertising is that they are more of a “mill” than a law firm. You are a file number and a retainer fee, rather than a real person with real financial problems. If you are considering bankruptcy, this doesn’t have to be your experience.

      There are bankruptcy lawyers out there that treat you as an individual, with emotions and unideal financial circumstances. However, if you don’t go this route, you are at risk of succumbing to the dangers of choosing a stereotypical lawyer:

      What are the Dangers of Choosing a Stereotypical Lawyer?

      1. The biggest disadvantage of choosing one of these law firms is that the lawyer you meet with for your consultation may not be the lawyer that you see when you hire the firm (if you see a lawyer at all). You will be shuffled from lawyer to lawyer as you go through the bankruptcy process. Rather than having a bankruptcy lawyer that is familiar with your unique financial situation, you are placed with whatever lawyer has an open slot. You want a lawyer who takes the time to understand your situation and who is committed to helping you through this difficult time in your life. Our bankruptcy lawyers take the time to get to know each client so that we can make this process as stress-free as possible.

      2. Many of these firms and lawyers have a pretentious demeanor. You may feel looked down upon, judged and intimidated when you meet with one of these lawyers. Rather than seeing you as an individual who needs help dealing with a serious financial crisis, these lawyers place blame for your financial situation squarely on your shoulders. It is our belief that most debtors are in this situation due to circumstances beyond their control, such as unemployment or a sudden illness. You need a bankruptcy lawyer who is going to be your partner in finding a resolution to your debt problems, rather than someone who is going to cause you to feel shame about your current financial situation. Unlike these firms, we understand this is a difficult and painful decision and we are here to give you the support, encouragement and guidance you need to solve your debt problems.

      3. You are going to get the run around. Every time you call the law firm, you will speak to a different receptionist, then get transferred to a different assistant and maybe, if you are lucky, you will get to speak to a lawyer, but probably not the one assigned to your case. Again, these “Big City” law firms are not interested in helping you recover from a financial crisis. They only want to hurry you through the process so they can close your file and move on to the next paying customer. You are handed off to whoever is available at that moment, rather than being treated as an individual. Filing bankruptcy is a serious decision and you deserve to be treated with respect.

      4. You become just another case filing to generate money for the law firm. The lawyers in these firms are looking at one thing - - their profits. Instead of seeing clients as individuals, they see them as case files. There is no personal attention or investment of time in the client. You are much more than some documents in a file folder; you are a real person with feelings, concerns and questions. We may have answered the same question hundreds of times; however, when you ask a question, you deserve to have it answered thoroughly to ensure you are comfortable with the bankruptcy process.

      5. When you hire a bankruptcy lawyer, you expect to have your case filed within a reasonable period of time. However, when you are but one file of hundreds, weeks or months pass before your bankruptcy is filed and you get to court. The filing of your bankruptcy may be pushed further back because some assistant or junior lawyer wants to move another case along more quickly. Your file is shifted between several lawyers and assistants so that it never receives the proper attention you deserve. We understand your time is valuable and that you want to move as quickly as possible through the process so that you can begin rebuilding your finances and your life.

      Choose the Right Partner

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      8 Benefits of Having a Chapter 13 Attorney on Your Side

      Posted by William Kain on June 5

      Yes, you can file your own bankruptcy case; however, you probably will not get the results you want as efficiently as is possible. Filing a bankruptcy case can be a very complex matter, especially if it is a Chapter 13 case. In addition to filing the bankruptcy petition, schedules and statements that are required in all bankruptcy cases, you must also create and propose a repayment plan. Repayment plans are complex and require more than simple math to calculate. The benefits of having a Chapter 13 attorney far outweigh the costs you think you might save by trying it alone.

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      We Don't Stop at Debt Elimination - Going Beyond Bankruptcy

      Posted by William Kain on May 15

      Quality bankruptcy lawyers do more than eliminate your debts - they aim to treat the cause. They devote their time and attention to answering your questions about bankruptcy, providing support, guiding you through each step of bankruptcy and preparing you for life after bankruptcy. Unlike many law firms that try to split their time between several areas of law, we focus 100% on bankruptcy. Because we focus our practice solely on bankruptcy matters, we go beyond helping our clients with debt elimination – we offer counsel on how to have a stronger financial future once you receive your bankruptcy discharge.

      What are the Five Top Reasons for Filing Bankruptcy?

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      Get Your Life Back with the Help and Support of Bankruptcy Attorneys

      Posted by Wesley Scott on May 13

      If you assume that the role of bankruptcy attorneys is simply to provide legal advice, you are incorrect. They are there to help you overcome the feelings of grief, shame and fear that are often associated with debt problems. As bankruptcy attorneys in St. Cloud, MN, we see hundreds of debtors each month – we want you to know that you are not alone in your struggles. Many of the perceptions associated with filing bankruptcy are false; however, our attorneys understand that the emotional aspect that accompanies a monetary crisis is real.

      How Can Bankruptcy Attorneys Help Me Get My Life Back?

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      A Minnesota Bankruptcy Lawyer is Better than a Minnesota Lawyer

      Posted by Wesley Scott on March 26

      Our aim in this blog is not to discredit or offend other attorneys; our purpose is to inform individuals of the benefits of hiring a Minnesota bankruptcy lawyer verses a general practice attorney when you are contemplating filing bankruptcy. There are some types of law that are very specific and unique in how they are practiced and the rules that govern them that they require a special expertise in order to effectively represent clients. Bankruptcy comes to our mind because that is our specialty, but others include tax law, international corporate law, complex product liability and copyright and patent law.

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      Experienced Personal Bankruptcy Attorneys Offer Significant Advantages

      Posted by William Kain on February 27

      Are you considering filing for bankruptcy relief? It is possible to do this on your own (without a bankruptcy attorney). You will have to act as your own legal representative – which requires an understanding of the Bankruptcy Code, not to mention court etiquette and filing procedures. Incompletely or improperly filing bankruptcy will cause more headaches and issues than you had to begin with. Once you file a bankruptcy case, you may not be able to undo any mistakes you make while representing yourself.

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      Kain & Scott P.A. is a MN Law Firm Completely Focused on Bankruptcy

      Posted by William Kain on September 4

      PR For Immediate Release:

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      Meet the Kain and Scott Lawyers in St. Cloud, MN for Bankruptcy

      Posted by Betty Kuhn on August 6

      When filing for bankruptcy, having an attorney on your side can make all of the difference. Chances are you are already frustrated with your financial situation and stressed out because of all the problems that result from a lack of funds. Entering into a bankruptcy case without help will only multiply that frustration and stress, especially if you have no experience dealing with legal processes and language.

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