Congratulations on making the decision to get a fresh start with Chapter 7 bankruptcy! Over the past 50 years, we have helped many Minnesota residents just like you discharge their debt by filing Chapter 7 bankruptcy. As a law firm that specializes in Chapter 7 bankruptcy, we know how to ensure that you get the most out of your bankruptcy and how to avoid common pitfalls that can prevent your debt from being discharged.
We’ve compiled a few simple tips to help you file for Chapter 7 bankruptcy in Minnesota:
1) Choose the right Minnesota Chapter 7 bankruptcy law firm
Choosing the right Minnesota Chapter 7 bankruptcy law firm is a must; the right law firm can guide you through the Chapter 7 process and ensure that your petition is approved, while the wrong law firm could cause your petition to be denied because of errors or lack of experience with Chapter 7 filings.
When you are searching for the right Minnesota Chapter 7 bankruptcy law firm for your family, consider the following questions:
- Does the law firm I’m considering specialize in bankruptcy?
- Can I be confident that this law firm has experience with Chapter 7?
- How is the law firm ranked on Google by past and current clients?
- How affordable are their services?
- Do they offer free initial consultations and a 100% Money Back Guarantee?
- Are convenient client services like online bankruptcy filing available?
- Does this law firm offer free credit repair services to improve my credit score?
At Kain & Scott, we specialize in Chapter 7 bankruptcy and are the highest and most often ranked firm on Google. We save you money by offering affordable services, free initial consultations, and 100% Money Back Guarantee. But that’s not all – we also offer convenient client services like Chapter 7 filing online or by telephone and a FREE 90 Day Credit Repair Program!
2) Make sure all of your eligible debt is erased
Generally, Chapter 7 bankruptcy can erase your unsecured debts: credit card bills, hospital invoices, and the outstanding balance on your favorite retail charge card can all be eliminated, while your mortgage, auto loan, and other secured debt, cannot - if you want to keep the collateral for the loan. An experienced bankruptcy specialist will be able to sort through your debts and determine which ones can be erased by Chapter 7 bankruptcy.
When filing for Chapter 7 bankruptcy, only the unsecured debt that is included in your petition is eligible for discharge. For that reason, it is important to ensure that your petition is accurate and reflects the entirety of your debt. Omissions and errors can prevent you from getting the fresh financial start that Chapter 7 provides and waste your time and money.
3) Don’t forget the importance of your credit score
Your credit score is a three-digit number that generally ranges from 300-850: higher scores can help you obtain financing and low interest rates while lower scores can keep you from being approved by lenders for financing and favorable interest rates. Once your credit score lowers, it is difficult to repair it on your own and can take years before you return your score to normal.
With other law firms, once your debt is discharged your relationship ends and you are left to figure out how to repair your credit score by yourself. But, at Kain & Scott, we believe in offering our clients a true financial makeover: elimination of your unsecured debt and improving your credit score. We offer our clients a FREE 90 Day Credit Repair Program that can repair their credit score and help them obtain financing from trusted Minnesota lenders. Our comprehensive debt solutions will have your family back in peak financial shape in just a few short months!
Experienced and affordable Minnesota Chapter 7 bankruptcy lawyers
If you are ready to erase your debt and repair your credit fast, the experienced legal team at Kain & Scott can help you take the first step by scheduling a free initial consultation. Our team of highly knowledgeable and experienced bankruptcy specialists will get started right away completing your paperwork and filing it with the court, while you sit back, relax, and wait 60-90 days for your debt to be discharged! With free initial consultations and a 100% Money Back Guarantee, we offer our clients a risk-free chance to gain financial independence.
For more information about how Chapter 7 bankruptcy can eliminate your debt and our FREE 90 Day Credit Repair Program, visit us online at www.kainscott.com or contact one of our friendly staff in our Minnesota offices for your free initial consultation. Don’t wait another day to become debt-free; contact the bankruptcy specialists at Kain & Scott today!