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Kain & Scott is open and fully staffed during our normal hours! UPDATE: Starting June 1, 2020 Kain & Scott will offer in-person initial consultations and review and sign appointments for those who are willing to use hand sanitizer and wear a mask while in-office (one will be provided to you if you don’t have one). In-person appointments are only available to guests who are not sick on the date of the in-person appointment and who have not had Covid 19 symptoms in the last 14 days from the appointment date. Any in-person appointment can be easily converted to a phone, Skype, Face Time, or Zoom appointment if necessary. For those who prefer, we can still do the initial consultation and review and sign appointment by phone, Skype, Face Time, or Zoom.
Author of Filing Bankruptcy
Sucks, Your Lawyer Should NOT!
Minnesota's Largest
and Oldest Bankruptcy
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 judgment 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 (i.e. eliminated) such as credit card debt, 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)
- Pass the means test
Learn more about Chapter 7 Bankruptcy including the advantages and disadvantages.
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 worksheets
- 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 file. A promissory note is required if fees are 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 more about Chapter 13 Bankruptcy including the advantages and disadvantages.
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 worksheets
- 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. For households that make less than the median income in Minnesota, the attorney fee for Chapter 13 Bankruptcy is $3,000.00. For households that make more than the median income, the attorney fee is $3,500.00.
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
Meet with licensed local Minnesota Bankruptcy Attorneys, not paralegals.
Contact UsMEET 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.
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!
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.
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.
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.
Jake W. Peden
I can truly relate to the pressures of overwhelming debt and uncertainty about how to move forward. My clients always leave our meetings with a clear-cut and straightforward plan.
Col Ovik
I get to show individuals that getting a new financial start is not impossible. I get to give people confidence every day that life can be can better. What may be insurmountable today, can be managed.
Amanda Scharber
I am the type of person who will drop everything to help someone else. That is one of the reasons I enjoy bankruptcy law so much, you are truly helping others when they need it most.
Charles Nguyen
I understand that individuals considering bankruptcy are usually in a difficult point in their life. I want to be able to assist individuals with this process so they can reclaim a part of their life.
Serena Seashore
I have always had a desire to help people and unfortunately, a lot of issues come from money and debt. I can 100% understand the stress that life throws at you—but I also understand that it can be manageable.
Timothy P. Tonga
I love practicing bankruptcy law because I provide a service that helps clients improve their lives. People come to us seeking assistance and we work hard to find solutions to their financial situations.