Filing bankruptcy is a difficult decision. At the Bankruptcy Lawyer in Rochester Hills Stephanie Krane-Boehmer, we do our best to make your decision to file for bankruptcy as comfortable and understandable for you as possible.
If bill collectors are calling you at home or work, you are worried about your wages being garnished, or you might be sued by creditors for unpaid bills, talking to a trusted bankruptcy lawyer like Stephanie Krane-Boehmer can help ease your mind.
We understand all aspects of bankruptcy in Michigan
We care about you and your life. As a bankruptcy lawyer in Michigan, I am familiar with all aspects of bankruptcy law. I take a very hands-on approach with her clients and cases and will be involved in your case every step of the way.
Located in Rochester Hills, we serve Oakland, Macomb, Genesee, Lapeer, Livingston and Wayne Counties. If you are searching for a “bankruptcy attorney near me,” contact our offices today .
Debt Settlement Lawyer
The important thing for you to know is that there are options open to you and that no situation is hopeless. While you may need a bankruptcy lawyer in Rochester Hills, you may not need, or be able, to file for bankruptcy – there are other ways to resolve your debt. That’s where a debt settlement lawyer comes in.
Debt settlement is where a creditor agrees to accept a reduced amount in satisfaction of outstanding debt. Most companies that you owe money to realize that if you were to file bankruptcy, they would receive very little if any, money. Consequently, these companies are often willing to accept a lesser amount. In return, you pay off your debt at a reduced rate and avoid filing bankruptcy.
A debt settlement lawyer can work with you and your creditors to get you back on track.
If you think debt settlement is right for you, feel free to ask more questions when you come in for a no-obligation consultation.
Worried about Wage Garnishment?
As a bankruptcy lawyer in Rochester Hills, I get a lot of questions about wage garnishment. You work hard for your money, so the good news is that Michigan laws restrict the amount of income creditors can take from your paycheck.
Wage garnishment is when your employer receives notice from the court to withhold a portion of your paycheck to pay outstanding debt. This process doesn’t happen immediately, however, as there are several steps a creditor must take. First, a collector is required to file a collection lawsuit in court. If they win, they will receive a money judgement. This judgement includes a written piece of paper issued by the court that authorizes that the creditor can collect a specific amount of outstanding funds owed.
There are a few ways to avoid wage garnishment! If you pay off the debt within 21 days of receiving the judgement, the creditor will not be able to proceed with wage garnishment. I can also work with you in my capacity as a debt settlement lawyer to create a payment plan or reduce the amount you need to pay to release your debt.
Credit counseling course in Michigan
Before you file bankruptcy in Michigan, you will need to take a credit counseling course. Our office can help guide you to a qualified credit counseling course in Michigan and give you advice to help you steer clear of scams.
Credit counseling must be completed within 6 months (180 days) before you file for bankruptcy. When you finish your course, you will receive a certificate of counseling. The certificate must be filed within 14 days of your petition for bankruptcy. For more information, read our blog: Take Control – Credit Counseling & Bankruptcy.
Searching for “a bankruptcy attorney near me”?
Look no further for a bankruptcy lawyer or divorce lawyer in Rochester Hills than the law office of Stephanie Krane-Boehmer.
We are located in Rochester Hills and serve Oakland, Macomb, Genesee, Lapeer, Wayne, and Livingston Counties. We are here to support you through all aspects of your bankruptcy filings, mediation, litigation, parenting arrangements and division of property. Contact us today – we’ll help you get your financial life back on track. Call us at 248-845-1603 or visit our offices at 2947 S. Adams, Rochester Hills 48309, just off the I-75.
Keep in touch with Stephanie Krane-Boehmer on Facebook