How to File for Chapter 13 Bankruptcy

Posted by William Kain on September 23, 2017 at 10:00 AM
William Kain

how to file for chapter 13 bankruptcy.jpgIf you’re filing Chapter 13 bankruptcy in Minnesota, you may be aware of the stress and time-commitment required when filing your bankruptcy petition without an attorney. But did you know that with the wrong bankruptcy attorney the process can still be long, difficult, and stressful?

At Kain & Scott, we believe that filing for Chapter 13 bankruptcy should be a solution, not another problem. That’s why we pride ourselves on offering Minnesota residents fast and easy ways to eliminate their debt through Chapter 13 bankruptcy. With Chapter 13 bankruptcy, Minnesota residents can erase thousands in unsecured debt with an easy and affordable repayment plan and, at the end of the repayment period, the remainder of the debt is discharged. And, unlike other types of bankruptcy, Chapter 13 allows you to keep your home, car, and other valuable assets safe from aggressive collections actions from creditors.

With Kain & Scott, our bankruptcy specialists can help you become debt-free in just 5 easy steps:

  1. Set up a free consultation
  2. Review, sign, and file your petition
  3. Attend a 341 meeting
  4. Make easy payments for the term of your plan
  5. Get your discharge

There’s no upfront cost or risk associated with finding out more information about Chapter 13 bankruptcy. At Kain & Scott, we believe in giving our prospective clients the information they need for free so they can make the right financial decision for their family. That’s why we offer free initial consultations to all prospective clients!

To find out more about how fast and easy Chapter 13 bankruptcy is with Kain & Scott, discover the advantages below!

Free no-risk bankruptcy consultation

If you think you don’t have time to schedule a consultation, wait for an appointment, fight traffic, pay for parking, and then spend hours in a lobby to find out whether you qualify for help, think again! At Kain & Scott, we understand that our clients lead busy lives and that eliminating your debt shouldn’t be a full-time job. We offer our clients free initial consultations from the comfort of their own homes: you can begin to file for Chapter 13 bankruptcy over the phone, online, or via Skype, without ever leaving the couch!

And, with Kain & Scott, you don’t need to spend days gathering your information before your consultation. Our highly-trained and experienced bankruptcy specialists can get started on your case with just basic information about your income, assets, and debts. From there, your bankruptcy lawyer can help you decide if Chapter 13 bankruptcy is right for you, based on your individual circumstances.

Fast Chapter 13 bankruptcy petition filing

If you decide to file for Chapter 13 bankruptcy in Minnesota with Kain & Scott, we’ll get started right away on completing your bankruptcy petition and filing it with the court; with other firms, you may wait weeks or months for your petition to be filed, but our helpful legal team understands that you want your debts eliminated as quickly as possible!

Experienced representation at your 341 meeting

Once your petition is filed, your attorney will accompany you to a 341 meeting (also known as a meeting of creditors) where you will answer simple questions about your petition, your income, assets, and debts from a chapter 13 trustee; this non-adversarial meeting will give the bankruptcy trustee a better idea of whether your chapter 13 plan should be approved. One of the many advantages of using Kain & Scott for your bankruptcy is because we specialize in bankruptcy, we know the qualifications, laws, and special circumstances that can prevent an plan from being approved, and use our almost 50 years of experience to make sure our clients’ petitions are done right and approved the first time!

Easy and affordable repayment plan

After your chapter 13 plan is confirmed, you will be required to make the affordable payments for a set term ranging from 3 to 5 years. At the end of the repayment period, your remaining unsecured debt is discharged!

How to file Chapter 13 bankruptcy with Kain & Scott

If you’re ready to erase your debt with Chapter 13 bankruptcy, it’s easy to get started with Kain & Scott! Simply visit us online at or contact one of our Minnesota offices to speak to one of our friendly and helpful staff. From there, we’ll schedule your free initial consultation from the comfort of your own home so you can get started eliminating years of debt right away! As an added bonus, we exclusively offer our clients a FREE 90 Day Credit Repair Program designed to boost your credit score and help you obtain the financing your family needs! Don’t wait another day to erase your debt and repair your credit – contact Minnesota’s leading bankruptcy law firm, Kain & Scott, today!

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Topics: Bankruptcy, Chapter 13