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Phone:  320-252-0330
Toll-Free:  800-551-3292

Should I file Chapter 7?

Chapter 7 is used for those who cannot afford to repay their creditors

  • Liability for both secured and unsecured debts go away.
  • You continue to pay on loans secured to collateral you want to keep; like homes and vehicles.
  • Focus is on your assets (your assets are either exempt i.e. you can keep them or Non-Exempt i.e. the Chapter 7 Trustee liquidates them to pay your unsecured debts; and to the extent, the non-exempt assets do not pay the unsecured debts in full, they get discharged i.e. your liability for them goes away.
  • Credit is better sooner since the discharge is granted in approximately 4 months.

Areas Served

Serving the Legal Needs of the St Cloud Area, the Northwest Metro, and Out State MN.

Lund Kain Scott P.A. is a firm of 3 attorneys specializing in Bankruptcy, Family Law, and Personal Injury throughout the St Cloud Area, the Northwest Minneapolis Metro, and Out State MN, including: St Cloud, Sartell, Waite Park, St Joseph, Sauk Rapids, Foley, Milaca, Brainerd, Baxter, Nisswa, Buffalo, Monticello, Hutchinson, Elk River, Maple Grove

Lund Kain & Scott is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.