We have locations available by appointment in the following areas. Please call us to speak to an attorney and set up an initial meeting.
No one should have to spend years struggling with excessive debt that they can never pay off. If you are making minimum payments without reducing your total debt, bankruptcy might be the answer. Let our compassionate attorneys review your finances and help you evaluate your debt-relief options.
Filing for protection under the bankruptcy code brings an immediate halt to collection efforts. Over time, it could also eliminate much of your debt and be a path to financial freedom. An Allen Park bankruptcy lawyer at our firm can explain the process in greater detail.
Filing for bankruptcy could have a positive impact now and in the future. While it is important to consider the downsides, including damage to your credit score and difficulty securing financing in the future, bankruptcy is often the best way to get a fresh financial start. If you hire one of our Allen Park bankruptcy attorneys, we could help you secure the benefits described below.
The moment you file for bankruptcy, you are under the protection of an automatic bankruptcy stay. For the duration of your case, your creditors cannot contact you at all. The stay puts any lawsuits on hold and stops wage garnishments.
One of your ultimate goals when filing for bankruptcy is the discharge of your unsecured debt. Bankruptcy completely wipes out your credit card debt and medical debt, so you do not ever have to pay off the remaining balances.
Your financial situation may improve after your debt is discharged. Your unsecured debts will be gone. Any secured debts, such as car loans and mortgages, will be current. This means you will no longer have to dread hearing from collection agents every time the phone rings.
Filing for bankruptcy in Michigan involves several important steps. The process of seeking protection from your creditors begins with your initial consultation with your attorney from our Allen Park office. Our legal team evaluates your debts, assets, and income to determine whether bankruptcy is the right option for you. We also answer your questions about your eligibility for the two most popular forms of bankruptcy, Chapter 7 and Chapter 13. Next, you must complete a credit counseling course from an approved provider before you file your petition.
Once you file your petition in U.S. Bankruptcy Court, the automatic stay takes effect. This immediately stops creditor actions, such as foreclosure and repossession. The court then assigns a trustee to your case to review your filings and oversee the bankruptcy process. The trustee is a neutral party, but they will carefully evaluate your paperwork, looking for errors or fraud.
You will attend a meeting of creditors, where you will answer questions about your finances under oath. If everything proceeds smoothly, you could receive a debt discharge within a few months if you filed for Chapter 7. If you filed for Chapter 13, your case could involve a structured repayment plan lasting three to five years.
Filing for bankruptcy might seem intimidating, but you do not have to do it on your own. With our team’s support, you could deal with the federal court system and secure the discharge you deserve.
An Allen Park bankruptcy lawyer at our firm could help you pursue a fresh financial start through a Chapter 7 or Chapter 13 filing. Fill out our online debt calculator for an immediate look at whether you might qualify for debt discharge.
We have locations available by appointment in the following areas. Please call us to speak to an attorney and set up an initial meeting.
We are a debt relief agency helping people file bankruptcy under the United States Bankruptcy Code.
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