Welcome To The MN Bankruptcy Blog

Inside you will find over 500 helpful articles discussing the Chapter 7 & 13 Bankruptcy Process and other solutions for difficult financial situations.

 

      How to Make Those Collection Calls Stop

      Posted by William Kain on March 11

      Collection calls can make an already difficult situation miserable. They won’t stop calling until to you talk to them, but you don’t know what to say - you don’t want to make promises you can’t keep, and you’re so overwhelmed that you’re not sure there is anything you can pay. If you could just get the calls to stop, you could maybe focus and come up with a plan to get out of your current situation.

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      Bankruptcy vs Foreclosure - Which Will You Choose?

      Posted by William Kain on November 11

      Is one option, bankruptcy vs. foreclosure, a better alternative when compared to the other? While both may seem like bleak routes, one alternative is actually significantly better when compared to the other. 

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      (Video) How To Tell The Difference Between The Real IRS or Scam Artist?

      Posted by Kelsey Quarberg on September 12

      I often receive panicked phone calls and emails from clients stating they received a call from the IRS threatening to arrest them for failure to pay taxes. After looking into each client’s case, more often than not I find that the call or email was a scam. When you are faced with overwhelming debt, it can be difficult to distinguish between what is real and what is fake. You may be receiving a mix of calls from real debt collectors and fake debt collectors. The fake collectors take advantage of people that have other, real types of debt in the hopes that they will accidentally get paid. Here are some signs and tips to avoid IRS scams:

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      Collection Agency Collection Tactics

      Posted by William Kain on June 26

      If you do not make payments to your creditors they may choose to hand over or sell your debt to a collection agency. If this happens you now owe the collection agency that money you owed your creditors. Collection agencies function to collect the money you owe. The debt collection industry has gained a bad reputation for performing illegal collection and scare tactics to get you to give them money. They do have the right to make attempts at collecting on your debt, but there are guidelines and parameters they must respect.

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      How To Deal With Creditors Before You File Bankruptcy

      Posted by William Kain on December 25

      One of the most difficult aspects of a financial hardship can be the actions taken by creditors to collect their debts in spite of your inability to pay. Your income and assets can be brought into question and many of our clients come to us facing garnishment and liens on assets. It can be difficult to deal with the constant phone calls and collection notices but there are ways we can manage these complications and prevent them from hindering the goal of financial recovery. At Kain & Scott, our team of highly skilled MN Bankruptcy Lawyers can assist you with any concerns you may have regarding your creditors. Let’s begin by taking a look at some helpful information outlined for you so that you may steer clear of any avoidable complications with creditors throughout the bankruptcy process.
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      Why is a Collection Agency Harassing Me about My Credit Card Debt?

      Posted by Wesley Scott on March 4

      If you have ever experienced a financial crisis or have gotten behind on payments to a creditor, you have probably dealt with a collection agency. A collection agency is a company that is hired by your credit card company to collect the debt you owe on your credit card. Collection agencies use different tactics to collect debt but a collection agency can also be more flexible in arranging for repayment of that debt. However, once your credit card account is turned over to a collection agency, you will likely begin to feel the impact, for example:

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      What to Do When the Collection Letters Won't Stop Coming

      Posted by William Kain on February 13

      If you fear going to the mailbox each day because you dread seeing collection letters, you are not alone. Many Americans are unable to pay their bills and they are facing the same financial stress that you are experiencing. Even with the restrictions imposed on collection agencies through the Fair Debt Collection Practices Act, collection agencies still find ways to harass people in an attempt to collect a past due debt. For most people, this becomes an ongoing nightmare as their financial situation worsens and the collection letters not only continue but also become increasingly threatening and ominous.

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      Collection Agencies can be Ruthless in Attempts to Get Your Money

      Posted by William Kain on October 17

      The more educated you can be about debt, creditors and the laws that protect you, the more likely you are to be treated fairly. This blog is going to discuss tactics collection agencies use and how you can fight back.  First, you need to understand who may be contacting you to collect on your debts – then we will go into how collection agencies may attempt to get your money.

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