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

Should I file Chapter 13?

Chapter 13 is used for those who have the ability to pay some of their unsecured debts.
  • Repayment plan based on what you can afford to pay i.e. the difference between your income and expenses.
  • Lasts for a fixed period of time (3 years minimum & 5 years maximum) at which point the remaining unpaid unsecured debts get discharged i.e. your liability goes away (Ask your personal Attorney about this).
  • Good for those who have debts that must get repaid; mortgage arrears, property taxes (assuming you want to keep that home), back taxes, child support arrears, vehicle loans (assuming you want to keep the vehicle), attorney’s fees, etc.
  • Good for those who believe they will incur more debt.
  • Don’t lose non-exempt assets.
  • Credit suffers until you get the Chapter 13 discharge.

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.