free 60-minute consultation. Call us today!
free 60-minute consultation. Call us today!
Debt can crush your peace of mind. St. Cloud bankruptcy lawyers help clients regain control and move forward. If overwhelming bills make it hard to think, our legal team takes that burden and helps you make real progress. We step in as trusted partners if you weigh Chapter 7, Chapter 13, or business bankruptcy. Our firm treats your concerns with respect and offers a clear path to financial freedom.
Debt relief matters for families and business owners across St. Cloud. Our team provides clear guidance and compassionate service from day one. We offer free consultations so we can listen to your needs and explain the relief options that apply. We work with you, not merely for you.
Before filing, we evaluate your income, debts, and property. That evaluation lets us recommend a pragmatic solution—whether that means discharging debts, repaying over time, or reorganizing for continued operations. Our record shows we drive toward results while preserving your dignity.
Bankruptcy represents a major step. Our firm helps you prepare every document, meet every deadline, and navigate every meeting. We gather your debt balances, income statements, property list, and living expenses. Then we file your petition with precision and handle all court communications.
Your case moves to the creditors’ meeting. We coach you on every question you might face. Once the court approves your filing, qualifying debts end. You move forward with breathing room—and a plan.
We run your case through a clear sequence:
Discharge removes qualifying debts so you face fewer burdens. You gain the space to rebuild credit and plan ahead. You should understand which debts end—and which survive.
We help you see that distinction. Student loans, child support, and some taxes may stay. By working with our team, you gain clarity and confidence at every turn.
You deserve clarity around each path.
Chapter 7 offers fast relief usually within months. You file, a court trustee reviews whether you can keep exempt assets, and then qualifying debts end. Our attorneys help you prepare and file the petition, protect your property, and resolve your case swiftly.
You keep your home and car under Chapter 13 while paying back creditors over three to five years. A structured plan prevents repossession or foreclosure.
Our lawyers help you develop a viable proposal and secure court approval. We stay by your side as you make monthly payments to the trustee.
You retain operations while your business reorganizes. This path requires a court-approved plan that pays creditors over time.
Our firm works with business owners to preserve value while stabilizing finances. We guide every step toward sustainability.
You pass the means test to qualify for Chapter 7. That test compares your income to Minnesota’s median for your household size. If your income exceeds that level, Chapter 13 may apply. We confirm which path best fits your situation.
You must also complete pre-filing credit counseling. An approved counselor helps you understand your financial options before filing. We make sure you complete that step correctly and on time.
The means test requires detail about your income, support obligations, and household size. It serves as a gatekeeper for Chapter 7 eligibility. If you pass, you move into filing quickly. If you don’t, Chapter 13 allows you to repay over time. We guide you through both paths with precision.
A counselor reviews your income, debts, and options. You complete that session within 180 days before filing. This session helps you make clear decisions. We direct you to agencies that serve you well and document your session for the court.
Outstanding, absolutely outstanding. . . My only regret is that I did not pursue representation for my case sooner. I cannot speak highly enough of this firm and their services.
Outstanding, absolutely outstanding. . . My only regret is that I did not pursue representation for my case sooner. I cannot speak highly enough of this firm and their services.
Outstanding, absolutely outstanding. . . My only regret is that I did not pursue representation for my case sooner. I cannot speak highly enough of this firm and their services.
Many clients turn to bankruptcy after medical crises, job loss, or overwhelming expenses. A sudden illness, divorce, or reduced wages can send finances into a downward spiral. Debt accumulates fast. When you reach a point where payments feel impossible, bankruptcy may offer relief.
When creditors begin lawsuits, wage garnishments, or foreclosure threats, filing may feel urgent. Our firm steps in. We file your petition and enforce the automatic stay to block those actions.
You may reach a point when debt becomes impossible to manage. Accounts fall into default. Bills pile up. You may face court action. That’s often when bankruptcy becomes the most sensible option.
We help you halt the chaos, stabilize your financial picture, and rebuild. You deserve practical options when you face mounting pressures.
Once we file your case, the automatic stay goes into place immediately. Creditors must stop calls, lawsuits, garnishments, and foreclosure attempts. This pause gives you breathing room to regroup. If anyone violates that stay, we file motions to enforce your rights. You gain protection—and the space to plan ahead.
Farmers, small businesses, and professional practices may need specialized solutions. Chapter 11 lets you continue operations as you pay debts over time. We help you design a plan that creditors accept and a court approves. You move forward without liquidation.
You may qualify for Chapter 7 or Chapter 13 instead. We evaluate your needs and match them to the best path.
You gain access to firm attorneys who specialize in bankruptcy law. We guide your case from start to finish. You meet directly with licensed lawyers, not assistants.
We draft your filings, attend your hearing, and respond to every request. You keep focused on your future—while we handle the legal work.
Bill Kain and Margaret Henehan have over 60 years of combined bankruptcy experience and have helped hundreds of Minnesotans get back on their feet after getting weighed down by debt.
At Kain + Henehan, we love people. We never view your story as a source of shame or embarrassment. We truly care about our clients and want to help them live their best lives.
Bill and Margaret are respected among their peers and colleagues. Their positive relationships within the bankruptcy court system leads to positive outcomes for their clients.
If debt weighs on you, you don’t have to face it alone. Our St. Cloud attorneys build legal paths that respect your values and preserve your hope. You receive honest guidance about each option while we manage the filings and court steps.
Schedule your free consultation by reaching out to Kain + Henehan at (612) 438-8006 or filling out the online form. We listen openly, explain your path, and guide every decision. Start today. Let us help you reach a stable financial place.