LifeBack Law Firm, Minnesota’s largest, nicest, and most helpful bankruptcy law firm, has recently opened a new office location in the heart of the Cathedral Hill neighborhood in St. Paul, Minnesota. Our modern, quaint, and historical St. Paul office is surrounded by trendy restaurants, such as Moscow on the Hill, Handsome Hog, and W.A. Frost. All of these restaurants are conveniently located next to, and just across the street from, our St. Paul office. Come see us at 370 Selby Ave Suite 224, St. Paul, MN 55102, and grab a bite to eat at one of these posh restaurants.

The bankruptcy process, like any other legal proceeding, is tricky, intricate, and absolutely covered in red tape and fine print. Thinking about tackling a bankruptcy filing on your own can be absolutely overwhelming. Not to mention having to battle through the shame and stigma of filing for bankruptcy. Where does a Minnesotan even begin?

What our guests want to know is how is bankruptcy A) going to look at my credit report and B) what is bankruptcy going to do to my credit score? These are common and worrying questions for our guests. Often times this can be the barrier that holds debtor’s back from seeking relief. Don’t let it!

If you are suffering from overwhelming debt in Minnesota, you are not alone. Each year, over 15,000 Minnesotans file Chapter 7 or 13 Bankruptcy in Minnesota. In some years, that number is much higher.  Minnesotans file more Chapter 7 Bankruptcies than Chapter 13. If I had to guess, the number is probably 3 Chapter 7 Bankruptcies to every Chapter 13 Bankruptcy. 

Most who file for bankruptcy want to file a Chapter 7. By filing Chapter 7, everything is said and done within three to six months and the slate is wiped clean. So when potential filers learn that they are only eligible to file a Chapter 13 or their attorney recommends a Chapter 13 over a Chapter 7, they panic. Three to five years in bankruptcy with monthly payments throughout the duration of that time? Why would someone file a Chapter 13 and drag the process out when Chapter 7 gets you out of debt faster with no payment plan?

Have you ever been interested in a topic and wanted to research it but there was no one place to research everything you want and need to know about the topic? That is more than frustrating right? I could not agree more. That is why Kain & Scott set out to build and maintain Minnesota’s LARGEST Chapter 7 and 13 Bankruptcy website at www.kainscott.com. At www.kainscott.com you will find everything you are looking for about what is Chapter 7 and 13 Bankruptcy, what is the bankruptcy process, what are the costs, and many do’s and don’ts before and after filing bankruptcy.

I am a proponent of erring on the side of filing bankruptcy. Why? Because hitting the reset button is good for you mentally and physically. Who among us wants to live with overwhelming debt that results in stress and worry that sometimes doesn’t end for years? Not me. I have high anxiety. I don’t necessarily mind problems, but I cannot have no solutions. I also don’t want solutions that delay getting relief. For, me delayed relief from a problem, is no relief.

If you live and work around Woodbury, Minnesota, and you are contemplating filing a Chapter 7 Bankruptcy, there are some things you should know. Sometimes things are not how they appear at first sight. Have you ever had the experience of thinking in your mind something was going to be really scary and then you did it, and found out it wasn’t as scary as you thought. Heck- you might have even enjoyed yourself a little!?

I am starting to see a disturbing trend occur in the legal field. Some law firms seem to think they can hire non lawyers to do lawyer’s jobs. Thing is- we lawyers are licensed to give legal advice to clients, non-lawyers are not.

The idea of bankruptcy for most is a scary proposition. But once you find out how it works, it softens the blow. For me, bankruptcy is a business tool, as Trump would say, to solve a business problem. That is, bankruptcy is a tool, to solve an overwhelming debt problem. Okay, well how does it solve the overwhelming debt problem?

It is sad for me to watch as some law firms protect their bottom line over the interest of the clients. If you think this doesn’t happen in Minnesota, think again. There is one firm, that rhymes with locker, that has five lawyers and five paralegals. Now, this firm advertises for Minnesota guests to come in to see them for a free “bankruptcy analysis”.

I have a cynical personality. I don’t trust easily and I want proof of statements made. Sound like you too? I think many of us are a bit cynical. Now, you shouldn’t be like my grandpa who was so cynical that he didn’t trust anyone. But a healthy dose of cynicism in the market place is ok! When you are looking for an awesome bankruptcy lawyer is Minnesota, look no further than Kain & Scott. Why? Here is the proof!

It is odd that I have to say this, but if a Minnesota resident intends to file for bankruptcy in Minnesota, choose a Minnesota BASED law firm. Why do I say this? Because there are out of state law firm’s soliciting Minnesota residents to file bankruptcy using an out of state law firm- some of who refer you back to a Minnesota lawyer who doesn’t have the same bankruptcy experience many other Minnesota bankruptcy attorneys have.

We are so confident we are Minnesota’s Nicest Bankruptcy Law Firm we guarantee it and trademarked it! That is right, we trademarked “Minnesota’s Nicest Bankruptcy Law Firm Guaranteed or 100% Off Your Fees”!*

A law firm that is willing to guarantee their service to you is confident about the service you will receive. So confident, in fact, that we guarantee it or 100% off your fees. Unique? We think so! If you live in Minneapolis, Minnesota, and you are thinking about filing Chapter 7 or Chapter 13 Bankruptcy, if you are looking for the best customer service in the state of Minnesota, there is no other firm to turn to besides Kain & Scott.

I am amazed at the number of Americans that don’t know the government actually has a government sponsored debt consolidation plan for you! It’s called a Chapter 13 Bankruptcy and it is amazing! The number of benefits of being in a government sponsored debt consolidation plan cannot be understated.