free 60-minute consultation. Call us today!
free 60-minute consultation. Call us today!
Medical bills pile up fast. One emergency room visit, one surgery, one unexpected diagnosis—and suddenly you’re staring at invoices you can’t pay. You’re not alone. Thousands of Minnesotans face the same crushing weight of medical debt every year.
We’re Kain + Henehan, bankruptcy attorneys serving the Twin Cities and Saint Cloud areas. We help people buried under medical bills find real solutions. Not vague promises. Not temporary fixes. Real relief that lets you breathe again.
You have options when it comes to getting relief from your medical debt. We help you evaluate each path based on your specific situation.
Medical bills aren’t set in stone. Providers negotiate. They’d rather get something than nothing. We’ve seen bills reduced by 30%, 50%, even 70% through negotiation.
We review your bills for errors first. Then we contact providers on your behalf. We know what arguments work. We know when to push and when to accept an offer. You don’t have to face billing departments alone.
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.
Most hospitals have financial assistance programs. Many people don’t know they exist. Others apply but get denied because they didn’t present their case correctly. It’s worth exploring before considering other options.
Sometimes negotiation isn’t enough. Sometimes your debt is too large and your income too small. That’s when bankruptcy becomes the right answer.
Bankruptcy isn’t failure. It’s a legal tool designed to give people a fresh start. Medical debt is one of the leading causes of bankruptcy in America. You’re using the system exactly as intended.
Medical debt damages credit scores, but not as severely as it used to. Recent changes to credit reporting rules provide some protection.
Credit bureaus now wait 180 days before adding medical debt to your report. This gives you time to resolve billing issues or work out payment arrangements. Once reported, medical debt under $500 no longer appears on your credit report at all.
But larger balances still hurt. They show up as collection accounts. They lower your score. They make it harder to rent an apartment, get a car loan, or qualify for a mortgage.
We do more than file paperwork. We become your advocate in a system designed to confuse and overwhelm you.
Billing departments don’t intimidate us. Collection agencies don’t scare us. We handle all communication so you don’t have to.
When we contact providers on your behalf, they know we understand the law. They know we won’t accept unfair terms. They take us seriously in ways they might not take you seriously.
We negotiate from a position of knowledge. We know what providers typically accept. We know when an offer is reasonable and when to push for better terms.
We secure:
Bankruptcy discharges medical debt. That means you don’t have to pay it. Ever. The debt disappears completely.
Chapter 7 bankruptcy wipes out medical debt in about four months. You keep essential property like your home, car, and retirement accounts. Medical bills vanish.
You qualify for Chapter 7 if your income falls below Minnesota’s median income or if you pass the means test. Most people with overwhelming medical debt qualify.
Chapter 13 creates a three-to-five-year repayment plan. You pay what you can afford based on your income and expenses. At the end of the plan, remaining medical debt is discharged.
Chapter 13 works well if you’re behind on your mortgage or car payment and need time to catch up. It also works if your income is too high for Chapter 7.
Medical debt doesn’t have to control your life. You have options. We help you find the right one. Contact Kain + Henehan by calling (612) 438-8006 or filling out the online form.
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.