Filing Bankruptcy in Michigan
Bankruptcy courts require that legal and filing fees be paid before your Michigan Chapter 7 bankruptcy case is filed in court. You cannot pay for your bankruptcy case with your own credit card. However, we do accept credit cards from other people if they want to pay for your bankruptcy case. Friends and family members sometimes can help but they must give you the money for the fees - not simply loan you the money. Our main office is located in Detroit, but we have offices throughout Detroit metro area to serve you. All or some photos shown depict models and may not be actual attorneys or clients. We are expressly disclaim all liability in respect to actions taken or not taken based on any or all the contents of this website. We reserve the right , at our sole discretion, to change, suspend, or discontinue all or any part of this website or the content at any time without prior notice or liability.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code
24300 Southfield Rd., Ste 210
Southfield, MI. 48075
Chapter 7 bankruptcy eliminates typically all our your unsecured credit card debt, medical bills, personal loans, debts from vehicle repossession and from a foreclosure. In many instances the assets you own may be protected under Michigan or federal bankruptcy exemptions laws . If all of the assets that you hold are protected under bankruptcy laws then creditors will receive nothing in a Chapter 7 bankruptcy and if you qualify you will receive a discharge of your debts.
Receiving a discharge of your debts in Chapter 7 bankruptcy means that your creditors cannot go after you personally for the debts or pursue collection actions against you for the debts.
If you are currently being garnished by a creditor, filing for Chapter 7 bankruptcy can stop the majority of garnishment actions. When you file bankruptcy, garnishment creditors are notified of your bankruptcy filing and must stop garnishing your wages.
Filing for Chapter 7 bankruptcy immediately stops most creditor calls, stop lawsuit, eviction, utility shut off and harassments. Creditors are notified by the court that you have filed for bankruptcy and must immediately stop collection efforts or be subject to possible sanctions.
Contact our bankruptcy attorneys and get answers to your questions today! It’s free and there’s no obligation. Complete the Free Case Evaluation form and a bankruptcy attorney will call you right away to discuss your case
Get Immediate Protection and Relief from Debt
Bankruptcy provides immediate protection against creditors which allows you to get out from under debt and back to the life you want to live. If you are being harassed by creditors, sued for unpaid debts, your wages have been garnished, or if you are at risk of having your home foreclosed on or your car repossessed, it may be time for a fresh start. In most cases people can obtain a “straight” discharge of their debts and retain all of their property (Chapter 7). In other cases, a person may obtain relief by repaying only a small fraction of their debts over a five year period (Chapter 13).
How Chapter 7 bankruptcy Works
Chapter 7 bankruptcy, sometimes call a straight bankruptcy is a liquidation proceeding. In a Chapter 7 bankruptcy, the individual is allowed to keep certain exempt property. Most chapter 7 cases are "no-asset" cases, which means that you don't have nonexempt property for the trustee to sell. Eligibility to file Chapter 7 is determined by the means test instituted with the 2005 amendments to the bankruptcy code.
Filing Chapter 7
The case is begun by filing the official petition, schedules and statement of financial affairs. These forms prompt you to list all of your assets and all of your debts, along with some recent financial history. Not all debtors are eligible for Chapter 7 protection
Call (313) 982-0010 for a free consultation with a bankruptcy attorney.
Who is Eligible for a Chapter 7 Bankruptcy?
Under the new bankruptcy law, you are eligible to file for bankruptcy under Chapter 7 if you earn less than the median income in state of Michigan
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24300 Southfield Rd., Ste 210
Southfield, MI. 48075
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