Wes Scott

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Wes Scott
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  • Hi Emily! Thank you so much for reaching out. These are excellent questions. If you live in the home, you will not lose the equity in the home and you can keep the home as long as you continue to make payments on the home. Unfortunately, all credito…
  • Hi elopau! Thank you for having the courage to reach out to Kain & Scott. We are sorry you are suffering from debt. It is strange, but filing bankruptcy improves your credit because it eliminates debt. Any time you can eliminate debt, that is a …
  • Hi Brandi! I am sorry you are going through this. If no foreclosure sale has taken place yet, a Chapter 13 Bankruptcy can help. Mortgage arrears can be spread out over the course of a 3-5 year plan and the foreclosure (if any) has to stop. When the …
  • If I am understanding the question right, this is a dispute over an insurance claim against a building. You may want to call the Minnesota Attorney Generals Office at 800-657-3787 or Minnesota Department of Commerce at 651-539-1600. A bankruptcy tru…
  • You are so very welcome! Our aim here is to educate and help Minnesotans get their lives back. Wes
  • Hi There! Great question! We charge 1975.00 if you pay in full. This includes the file fee, credit counseling courses, credit reports, and asset reports. This includes getting rid of your debt and sending you through our FREE 90 DAY CREDIT REPAIR PR…
  • Wonderful question! As a general rule, whether you qualify to file a Chapter 7 Bankruptcy or need to consider a Chapter 13 Bankruptcy is determined by your income and expenses. For example, imagine that your credit card debt and other debts are now …
  • DJohnson- I am sorry you and your family are going through this. After you have cruised our website, send us an email asking for a FREE "strategy Session". We can speak with you in person, by phone, skype, or even facetime. After you speak to us a…
  • Hi DJohnson- thank you for having the courage to reach out to Kain & Scott. That is a common question we get at Kain & Scott. Frankly- we think traditional debt consolidation is a waste of time. Why? It looks horrible on your credit and you …
  • Hi Stephanie! Thanks for reaching out to Kain & Scott. That is a good question. A lot of people wonder the same thing. The answer is you are not required to be delinquent on your payments before you can file either Chapter 7 or Chapter 13 Bankru…
  • I am sorry you are going through this. Yes- if you are behind on your mortgage payments, we can file a Chapter 13 Bankruptcy and cure your mortgage arrears over a 3-5 year plan. Once the case is filed, you will just need to make sure you stay curren…
  • Hi there! I HATE student loan debt. Student loan debt is a curse we have placed on thousands and thousands of Minnesotans. The general rule in bankruptcy is student loan debt is not dischargeable. The only exception to this rule is if you sue the st…
  • Hi David-I am so sorry you are going through this. Life is humbling for us all. No one ever wants to lose income and yet it happens to many. Yes, you are allowed to keep your home and vehicle in either a Chapter 7 or Chapter 13 Bankruptcy. In a Chap…