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.

Everything You Need to Know About Minnesota Bankruptcy

Bankruptcy has a bad rap -- we are here to change that perception. Financial problems happen to people from all walks of life; whether from income drop/loss, divorce, medical issues, business failure, or bad financial decisions (we have all made them!) unmanageable debt may result. Unfortunately, good Minnesotans get saddled with unmanageable debt all the time.

We all deserve a safety net now and then. That is why we have bankruptcy laws- to protect us. There are two personal bankruptcy chapters in Minnesota capable of helping you get your life back.

Personal Bankruptcy Types

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is commonly referred to as a “fresh start” bankruptcy. It is referred to as a “fresh start” bankruptcy because most people who file a Chapter 7 Bankruptcy lose no assets and most unsecured debt is eliminated- tax free. Is this you?

Chapter 13 Bankruptcy

A Chapter 13 Bankruptcy is sometimes referred to as a “repayment” plan because you make a payment based on what you can afford to pay over a 3-5 year plan and whatever unsecured debt remains at the end of the plan is eliminated, tax free. Is this you?

Free Debt Solutions Comparison Chart