We are not going to kid you, we like the easy button. Most people do. Why on earth would you make something difficult if it doesn’t have to be? Having overwhelming debt is painful enough, our guests would prefer the actual process of filing bankruptcy be easier, not more complex.
At LifeBack Law Firm, our MN Bankruptcy Lawyers have been doing bankruptcies since 1972. Over the course of many decades we have perfected the process of filing bankruptcy so our guests are more comfortable. We have developed a unique process of filing bankruptcy in Minnesota that makes it easier on the client- we call it the LifeBack way. The LifeBack way results in the client spending more time with their family and friends and relaxing while we do most of the work. Sound good to you? Our guests think so!
It is common for our guests to feel overwhelmed, stressed out, and discouraged. At LifeBack Law Firm, we honor that courage and anxiety by making the process of filing bankruptcy more soothing to our guest.
STEP 1: THE CONSULTATION
The first step is always the biggest. When you are ready, or the time is right, reach out to us and set up an initial consultation with one of our MN Bankruptcy Lawyers. It’s free and there is no obligation to meet with us. Our intake specialist has a caretaker heart, so you will be in good hands the moment you call, text, e-mail or just stop in to see us!
Our guests come from all across the state of Minnesota. Currently, we have offices in Brainerd,
St. Cloud, Maple Grove, Eden Prairie, Roseville, Eagan, Minneapolis and Woodbury. We can conduct your consultation-
1) in person;
2) via skype;
3) facetime (I-phone);
4) via telephone
Our promise to our clients is “we don’t judge you, we HELP you get your life back!”
Most of our clients are sick and tired of overwhelming debt and need to understand their options clearly and thoroughly. The consultation with LifeBack Law Firm is designed to be very comprehensive so that when you leave you understand all your options for solving a debt problem.
You are not alone. We have helped over 7,000 Minnesotans get their lives back, and we can help you too!
But we know going into this you lack courage and suffer high anxiety and that is why we honor your ability to overcome your anxiety and take that first step.
STEP 2: REVIEW AND SIGN APPOINTMENT
Many of our guests at the consultation decide that filing bankruptcy and starting fresh makes sense for themselves and their family. If our guests make that decisions, we then sign them up for a Chapter 7 Bankruptcy. At the sign up, we will clearly walk you through the process and explain what documents are needed for you to file a Chapter 7 Bankruptcy in Minnesota.
The last thing we do at the sign up is schedule you for a review and sign appointment. The appointment lasts two hours. At this meeting, you will have brought documents for us so that we can fill in the missing pieces of information to make your chapter 7 schedules complete.
The first hour of the appointment you will meet with one of our kind and helpful assistants. They will help you fill in much of the information we need to file the Chapter 7 Bankruptcy. The second hour is spent meeting with your MN Bankruptcy Lawyer, your rock, to make sure the information is true, correct, and complete.
Your Bankruptcy Lawyer will answer all your questions and explain the next steps to you so that you can understand the process. Everyone signs the documents and the petition and schedules are filed with the bankruptcy court.
At LifeBack Law Firm, we are electronically certified, so you petition is filed with the court instantly. Once you have filed the bankruptcy, you garner instant relief from your creditors. When you are not with us, we are working behind the scenes to answer your creditor’s phone calls and calls from the bankruptcy court.
Once you have filed the bankruptcy, you can relax, and we do most of the work for you. If you need us, in any way, we want you to call us. We work for you!
STEP 3: 341 MEETING
Once filed, the bankruptcy court schedules a 341 meeting, also known as a first meeting of creditors. I am not sure why they call it a first meeting of creditors because there is not a second. I am not sure why they call it a meeting of creditors because most creditors do not show up! Seriously – it is very rare for creditors to show up to your meeting
The creditors that do show up often just want to know where their collateral is at, is it in good shape, and do you intend to keep paying on the loan to keep the collateral. However, even that is a rarity.
Once we have filed your bankruptcy petition and schedules with the court, the bankruptcy court mails notice of a 341 meeting to you and your creditors. The meeting typically takes place 4-6 weeks after you file bankruptcy.
We make sure you have plenty of notice of the meeting so you can tell your school or employer well in advance. The meeting itself takes a whopping 5-10 minutes. The meeting is where a chapter 7 trustee (a lawyer appointed by the US TRUSTEE’s Office to act as a chapter 7 panel trustee) asks you to verify the information on the petition and schedules is true, correct, and complete.
Your LifeBack Law Firm Lawyer is with you at this meeting, and every step of the way. If you have questions for your lawyer before the meeting, ask away. If you have questions after the meeting- ask away!
We typically attend bankruptcy hearings multiple times in a single week all over the state of Minnesota. It never fails; our guests leave the hearing and say that hearing was no big deal. There is serenity in the truth. Here are my assets and here are my debts. This is the only hearing you must attend.
STEP 4: DISCHARGE
Because of your courage and our help, you get your life back! About 60 days after your 341 meeting, the court mails you and us a notice of your discharge. A discharge means that your liability on the debts is cleared, wiped out, or eliminated; however you want to put it, it’s gone.
Not only is your liability on the debt gone, the debt is wiped out tax free! Debts that are forgiven as a result of a title 11 bankruptcy (which chapter 7 falls into) are not considered income for tax purposes. If it were considered income, we would have a lot of guests with another problem- a tax problem!
Many of our guests find the decision to discuss bankruptcy agonizing and riddled with a lot of anxiety. At LifeBack Law Firm, we honor our guests courage and anxiety by making the process of Filing Chapter 7 Bankruptcy more soothing and comforting for the client.
The LifeBack proven process of filing a Chapter 7 Bankruptcy in Minnesota is just that- it’s soothing for our guests- we do most of the work, you relax! Contact one of our
numerous Minnesota locations near you today and let us help you get started on the road to debt freedom!
Compare the advantages and disadvantages of bankruptcy.
“Very nice people, they really help alot and make your visit very comfortable.. thanks ”
- Sue L.
“I went to google to check out some attorney's in the Mpls area and the first office that came up was Kain & Scott. I checked out their website and I was sold on them right away! I was very impressed with what I read about them and the people who worked for them.”
“If you, or somebody you know, is considering filing for bankruptcy, do yourself a favor, don't bother contacting just any law firm. Contact Kain & Scott! They will make you feel more relaxed and less stressed than you've felt in a LONG time! THEY HAVE YOUR BEST INTEREST because THEY CARE ABOUT YOU. Call them or email them. You will NOT be sorry.”
- Justin T.
“Kain & Scott PA is the nicest law firm they don’t judge and have amazing people to answer the phones and be patient with clients like us Megan Rockenbach is such a good listener and very kind on the phone.”
- Ceairra B.
“Everyone in the office is extremely helpful and nice!”
- Miranda M.
“These are very kind and helpful people who take the stigma out of bankruptcy and treated me like I wanted to be treated. They understand good people sometimes have hard times. Wes Scott and his team are so nice! Stephanie Buerger has been a savior and responds to my email or phone call questions the same day. It feels like small town service with big city talent and reputation!”
- John S.
“They live up to their motto of being the friendliest lawyers around. The welcome receptionist comes around to greet you and leads you to a private room furnished with snacks and drinks. There is a massage chair in the room and your name is on a sign welcoming you personally to the private space.”
- Brother S.
“There are no better bankruptcy attorneys in MN - from the initial conversation to working with Veronica on payments, there are no finer people to help you get your life on track. Bankruptcy can be a terrifying thing, but Kain and Scott absolutely have your back.”
- Andrew K.
“After doing a bunch of internet research for Bankruptcy Attorneys, Kain & Scott PA overshadowed all others I had looked at. If you are not sure what to do, which option is best or who to choose, please call Kain & Scott. They will listen to your situation and tell you what your best option would be. Again call Kain & Scott, you will be glad you did! I know I am!!”
- Tammy E.
“I am not one to ever right a review, but with how wonderful Kain & Scott are I just have to let other people know. I would most definitely recommend them to my family, friends, or a colleague who is looking at filing bankruptcy.”
- Jessica A.
“Kain and Scott is the BEST!! Margaret H. helped me out a great deal when I was going through my hardship! I really love the fact that all the staff including Lindsay B. was kind enough to answer some personal questions that I had along the way. I wouldn't choose another company to work with! Thank you everyone who made my journey as a BREEZE! Now I would like to include Stephanie V. Buerger for congratulating me on my journey stepping forward to a debt free life! Stephanie Googins has done a great job providing me with additional information after the bankruptcy proc”ess!
- Gina S.
“I highly recommend this firm as well as recommending bankruptcy! Times have changed and it's not a big deal like it may have once been or how old people talk about it. It's truly a new beginning. This has made my life so much simpler. Exactly what I needed heading into a divorce. I can't thank these guys enough!! ”
- Mandy B.
“The process was so easy, this firm does all of the work for you and really works for you. They are great in responding to any questions you may have. I would recommend this firm to anyone who is struggling with debt. They are also very cost effective, and will work with you for payment arrangements. We couldn't be more satisfied! Debt free finally!”
- Katie B.
“All I can say is wow! From the moment I walked in the door I felt welcome and better right away! Everyone one treated me like me like my story actually mattered! I worked with Misty Myers and she was such an amazing person to work with! She made things so easy and just took charge right away with trying to help! I highly recommend Kain and Scott! I couldn't be happier with how I was treated!”
- Dustin S
“Even from the first conversation I had on the phone regarding their services, I knew I was going to choose them. I made an appointment for the following week and was welcomed with no judgement. The whole process was fast and efficient. I worked personally with Misty, Samantha, and Callie but everyone there was extremely helpful when I had questions. There was little to no paperwork and they did most of the work for me. My only regret was not filing sooner!”
- Megan W.
“The staff at Kain & Scott were amazing! They make you feel very comfortable from the first time you step in the door. Everything is well organized and they respond quickly to any questions you have. Shout out to Wes, Calli, Megan, Sarah, and Lindsey you all were great in helping me get my life back. Keep up the good work!!”
- Toby A.
“I have to say I have had the greatest experience filing bankruptcy with Kain&Scott. Kelsey B Quarburg and Jesse A Horoshak were two of the most professional attorneys I have ever worked with. Jesse showed up at my 341 meeting totally prepared. Other attorneys along with their clients weren't. Jesse and I weren’t called up first, so I had the privilege of seeing how this meeting would work. The first two clients and attorneys weren’t prepared at all, they were told by the federal trustees,that they were missing paperwork and information. It took these two clients and attorneys 20 minutes each to get through the process. Jesse had 1 client he was representing before me. The process was flawless, 5 minutes and the process was complete. My meeting took 5 minutes. It proved to me choosing the best law firm matters. Kelsey B Quarburg is the best. She was very professional yet she was also human. She would respond to my emails at odd times of the day and night. She kept me informed every step of the way. Thank you both. Thank you Callie for making sure my paperwork was forwarded and up to date. What a team. Thank you all so much for a job well done ,and I mean this from the bottom of my heart. Once again thank you all,for giving my life back. GOD BLESS YOU ALL ”
- Maurice W.
“Stellar customer service and you have the “how can I help you” staff! You made my future easier to handle and I have so much more confidence especially with your staff behind me. I appreciate all your help and time you spend helping me address my credit. ”
- Nancy N.
“I am very fortunate to have found Kain & Scott. They made my experience fast, friendly and trustworthy. Thank you to Megan R. for being flexible with payment arrangements and really understanding what other people may be going through and how to do what is best for them. 😊 Thank you to Stephanie Buerger as well,for being very welcoming and easy to work with during my initial info gathering. Thank you gals for making my experience a low stress to the point “filer friendly” experience. ”
- Scott K.