703 West Saint Germain Street

St Cloud, MN 56301

860 Blue Gentian Rd Ste 200

Eagan, MN 55121

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Chapter 13

Minnesota Chapter 13 Bankruptcy Attorneys at Kain & Henehan - St. Cloud & Eagan, MN

Chapter 13 Bankruptcy

This type of bankruptcy is a payment plan bankruptcy. It allows you to repay your creditors partially or in full. The payment term can be between 3-5 years.

This type of bankruptcy is available to people that make over the median income in Minnesota and don’t qualify for a chapter 7 bankruptcy. It’s also available to people with any type of income that have fallen behind on rent, mortgage or car payments or have tax debt to work out.

Most people do not pay their debt in full, they pay what they can afford to pay. This type of bankruptcy is very similar to debt consolidation programs, though with all the protections given by the federal courts. The chapter 13 plan is developed by Kain + Henehan and you.

The payment plan is not developed by the Judge or your creditors, it’s developed with your particular circumstances in mind. If the payment plan doesn’t work for you, it won’t work for anyone else either!

Filing a Bankruptcy with Kain + Henehan in 4 Steps:

Your consultation can be completed virtually, via phone, or in person at one of our two offices in Eagan and St. Cloud.

We’ll confirm and finalize your paperwork. Once you’re ready, you’ll sign off on your bankruptcy filing.

We submit your paperwork to the courts. At this point, all of the protections of a bankruptcy are in place. We only have one quick phone call or Zoom meeting to confirm your paperwork.

If you filed a Chapter 7, your debt will be discharged in about 3 months. If your case is a Chapter 13, your debt will be discharged in 3 to 5 years, according to the payment plan set in your case.




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