Considering bankruptcy in Michigan?
• Do bill collectors call you at home or work?
• Are you afraid that your wages will be garnished?
• Are you being sued by creditors for bills that you are unable to pay?
• Has your house been foreclosed or your car repossessed leaving you with a balance due on the property that you no longer own?
• Are you overwhelmed with debt because of an illness, divorce, accident, loss of work or overtime, or just plain poor financial planning?
If you have answered “yes”to any of the above questions, filing bankruptcy may be the direction you should take to regain control of your financial situation. The first step in determining whether filing bankruptcy is an appropriate option for you is to schedule a free consultation. During your consultation, we’ll have a conversation in which you tell me, in all confidentiality, what your current situation is based on information about your debts, assets, income and monthly expenses. Then, together, we explore the best path.
Whether it’s a Chapter 7 or Chapter 13, debt consolidation, or fighting back against bill collector harassment, you’ll receive patient, positive and comprehensive advice. The important thing for you to know is that there are options open to you and that no situation is hopeless. I am in the business of helping you get back on track.
Filing bankruptcy is a difficult decision for all of my clients. It is my job to make it as comfortable and understandable for you as possible given your financial difficulties and the seriousness of the court process. I take a very hands-on approach with my clients and cases. I am involved in your case every step of the way. I take pride in understanding the reality of your situation and always giving you 100% of my expertise to help you through the process.
Deciding to file bankruptcy is not easy; however, it is designed to provide financial relief to honest people who need to start over.
Bankruptcy can be filed by individuals, married couples, corporations, and partnerships. The Chapter of bankruptcy that you may be eligible for depends upon your family income, with exceptions.
Certain property can not be taken by creditors. In most cases, the bankruptcy code allows you to keep most household goods, jewelry, and miscellaneous items. If your payments are current, you can generally keep your home and vehicles.
If you give up your home or vehicle, the debt associated with that property will be discharged (or eliminated).
Unsecured creditors can include credit cards, personal loans, medical bills, some taxes more than three (3) years old, deficiency claims from repossessed vehicles, and foreclosed homes. These debts can be discharged (or eliminated) by your bankruptcy. If assets are liquidated, unsecured creditors may be paid a percentage of the debt owed.
We are a debt relief agency. We help people file for bankruptcy under the bankruptcy code.