Author of Filing Bankruptcy
Sucks, Your Lawyer Should NOT!

Wesley W. Scott

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Minnesota's Largest
and Oldest Bankruptcy
Only Law Firm

{Debt gone + Credit Repaired = Life Back!}

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

We HELP you repair
your credit fast

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

LEARN MORE ABOUT

Chapter 7 Bankruptcy

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.

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

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

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

Chapter 7 Bankruptcy

Our Unique 4 Step Chapter 7 Process & 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 & 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

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.

LEARN MORE ABOUT

Chapter 13 Bankruptcy

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).

There are a few specific eligibility requirements for filing in Minnesota. Generally, a debtor must have the ability to make a payment on a bankruptcy plan and your debt may not exceed:

  • $1,149,425 in secured debt
  • or $383,175 in unsecured debt

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

Chapter 13 Bankruptcy

Our Unique 5 Step Chapter 13 Process & 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 & 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

  • Discharge
  • After payments are complete you receive your discharge

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.

Second Step: 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!

"Always pleasant, very friendly, and awesome communication. You made this
easier and we appreciate everything you have done for us. Again, thank YOU!"

- Sam & Julie

Help me get my life back now
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Meet with licensed local Minnesota Bankruptcy Attorneys, not paralegals.

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MEET YOUR

Humble Attorneys

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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Maria Warhol

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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Clara J. Cypull

Debt related stress impacts so many parts of our lives. I love that our clients can hand that burden off to us, and get back to living and enjoying life!

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