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Life Before bankruptcy and Kain & Scott is stormy, scary, and sad

Life After bankruptcy and Kain & Scott is calm, confident, and happy

Minneosta State Shape

We don’t judge you, we help you get your life back!

Minnesota's 24/7 Chapter 7 & 13 Bankruptcy Helpline: 800-551-3292



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    #1 Minnesota’s Nicest Bankruptcy Law Firm Guaranteed or 100% Off Your Fees
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    #1 Minnesota’s Highest Google Reviewed Bankruptcy Law Firm
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    #1 Minnesota’s Oldest Bankruptcy Law Firm - Since 1972
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    #1 Minnesota’s ONLY Bankruptcy Law Firm to help you 1) Get debt free and 2) Improve your credit with our FREE 90-Day Credit Repair Program

Author of Filing Bankruptcy Sucks, Your Lawyer Should NOT!
Wesley W. Scott


We don’t judge you, we help you get your life back!

{ Debt gone + Credit Repaired = Life Back! }


Step 1:
We HELP you get rid of your debt

  • Chapter 7 or 13 Bankruptcy
  • No worksheets
  • We pull your credit report & asset report
  • $0 upfront & easy payments

Step 2:
We HELP you repair your credit fast

  • FREE Credit Repair Specialist
  • FREE list of MN professionals to help you get auto & home financing
  • FREE Judgement removal
  • FREE credit repair
  • FREE course to learn tricks to improve credit short & long term

I just wanted to express our very sincere thanks to you, for helping us through an extremely difficult time on our lives. Through following your guidance and expertise, we are now living a stable day to day life. We can go to bed at night and sleep. When we wake up in the morning we are not filled with dread and anxiety. We are happier now and looking forward to a brighter future. I am very grateful we found you!
Bonnie : Outing, MN

First Step: Getting rid of debt


Kain & Scott’s Unique 4 Step Chapter 7 Process and Fees

Step 1:
Consultation

  • Welcome to getting your life back! (30-60 min. meeting)
  • FREE
  • No Obligation
  • Skype, Facetime phone or in person meeting

Step 2:
Review and Sign

  • Two-hour meeting
  • No work sheets
  • We pull your credit report for you

Step 3:
341 Meeting

  • Approximately six weeks after filing
  • 5-10 minutes long
  • Verify information on schedule is correct

Step 4:
Discharge

  • Approximately 60 days after your 341 meeting
  • You have your life back!

Chapter 7 Costs: $375 - Includes filing fee, credit counseling courses and credit report. These costs must be paid prior to filing.

Chapter 7 Attorney Fee: $0 Down and easy payments of $100-200 per month. Payment on our fee does not start until after you filed.Promissory note required if fees not paid in full.


Kain & Scott’s Unique 5 Step Chapter 13 Process and Fees


Step 1:
Consultation

  • Welcome to getting your life back! (30-60 min. meeting)
  • FREE
  • No Obligation
  • Skype, Facetime phone or in person meeting

Step 2:
Review and Sign

  • Two-hour meeting
  • No work sheets
  • We pull your credit report for you

Step 3:
341 Meeting

  • Approximately six weeks after filing
  • 5-10 minutes long
  • Verify information on schedule is correct

Step 4:
Confirmation Hearing

  • Usually client’s appearance is not required
  • Court approves repayment plan

Step 5:
Discharge

  • 3-5 year plan
  • After payments are complete you receive your discharge
  • You have your life back!

Chapter 13 Attorney Fee: In chapter 13 bankruptcy the court sets our fees. If you are under the median income, the attorney fee for chapter 13 bankruptcy is $3,000. The attorney fee, if you are above the median income, is $3,500. Occasionally, we bill our time hourly. The attorney fee is paid when you make a payment on your chapter 13 plan.

Chapter 13 Costs: The chapter 13 filing fee is $310. The cost of the credit counseling courses and credit report is an additional $40. A total of $350 must be paid prior to filing chapter 13.


Want to learn more about:

Chapter 7


Chapter 7 bankruptcy is often referred to as a “fresh start” bankruptcy. The reason is most (but not all) unsecured debts are discharged (ie eliminated) such as Credit Cards, Utility Bills, Medical Bills, and Loans.

Who can File?

The United States Bankruptcy Code sets the qualifications for who can file a Chapter 7 bankruptcy. They are:

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No prior bankruptcy in the past 6–8 years (depending on the type of bankruptcy previously filed)

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You qualify under Chapter 7 bankruptcy Means Test.

Learn in more detail about Chapter 7 Bankruptcy including the advantages and disadvantages here:

Chapter 7 bankruptcy


Want to learn more about:

Chapter 13


Chapter 13 bankruptcy is sometimes referred to as a “repayment” plan because debtors pay some or all of their unsecured debts (interest free) over a 3-5 year plan. Your payment is based on what you can afford to pay (income minus expenses).

Who can File?

There are a few specific eligibility requirements to be able to file a chapter 13 bankruptcy in Minnesota. Generally, a debtor must have the ability to make a payment on a Chapter 13 bankruptcy plan. Also, your debt may not exceed:

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$1,149,425 in secured debt

OR
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$383,175 in unsecured debt

Learn in more detail about Chapter 13 Bankruptcy including the advantages and disadvantages here:

Chapter 13 bankruptcy


Second Step to getting your life back...

Kain & Scott’s Unique FREE 90-Day credit Repair Program


5 Simple Steps To A Much Better Credit Profile

  • FREE Kain & Scott Credit Repair Specialist
  • FREE List of Minnesota Professionals to help you with auto and home financing.
  • FREE judgment removal *
  • FREE credit report repair work*
  • FREE course to learn tricks to improve credit profile faster!

Bankruptcy is not just what we do,
It’s ALL we do.

 
 
 
 
 
 

Read our Reviews

Your Humble Attorney Servants


 

William P. Kain

I filed my first MN Bankruptcy case in February, 1983. In the time since then, I have filed thousands more. I have the knowledge and expertise to resolve any debt problems very quickly and easily.

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Wesley W. Scott

I understand the financial pressures my clients face because I experienced these same pressures growing up. I will make sure your case gets filed within days, not weeks, allowing you to immediately get on the road to a debt-free life again!

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Margaret R. Henehan

I can relate to the stress debt can cause. I have the solution to relieve your stress and get you back on solid ground. The biggest regret most of my clients have is waiting too long.

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Kelsey Quarberg

Helping people is my passion! I love the smile I get to see on my clients faces when they're finally debt free! Let me know how I can help.

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Jesse A. Horoshak

I like helping people. Through my bankruptcy practice, I have helped hundreds of clients—individuals, families, and business owners—take back financial control of their lives and get the fresh start that they need.

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Misty Myers

I love making people laugh, hearing their stories, and helping them get their second chance. That is why bankruptcy is extremely gratifying work for me.

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Meet the rest of the Kain & Scott team.