The first step is to come in my office for your free consultation. At that time, I will carefully review and analyze your situation. I will provide a thorough explanation of the law so that you can make an informed decision about whether you need to file a Chapter 7 or a Chapter 13 bankruptcy…
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What happens to me after I file a Chapter 13 Bankruptcy in Michigan?
When you start a Chapter 13, bill collectors are referred by you to our law office. We then handle all telephone calls and letters for you from your creditors. Most importantly, you will have peace of mind. It also stops foreclosures. It stops wage garnishments. It stops the repo of autos, trucks, RVs, and motorcycles….
What’s the difference between Chapter 7 and Chapter 13?
Chapter 7 is know as straight bankruptcy and Chapter 13 is known as bill reorganization or bill consolidation. Chapter 13 is an option if you fall behind and you feel like you are slowly sinking deeper into debt. Chapter 13 is an excellent opportunity for you to reorganize all of your bills into one low…
What happens to my credit score if I file for Bankruptcy in Michigan?
Well, if your are considering filing for bankruptcy, chance are that your credit report probably doesn’t look too good to begin with. Filing for bankruptcy will stop the aging process of your defaulted accounts. In other words, those things that are 2 months or 3 months or 4 months behind will never get any older…
Will I ever be able to buy a car again if I file for bankruptcy in Michigan?
Some people ask “What about a car? I’m not going to be able to get a car.” Well, that’s not true either. You seen, when you do a bankruptcy, you get rid of all of your debts. So know, you are an excellent credit risk to the car dealer, and it gives him the opportunity…
Will I ever be able to by a home again if I file for bankruptcy in Michigan?
A lot of people come in to the office and say, “Gee, my mom and dad told me that if I did a straight bankruptcy, I’d never be able to buy a home again.” Well that isn’t true. There are thousands and thousands of FHA and VA assumable loans. You will have to save up…
Would you like to stop a wage garnishment, a foreclosure, or protect your checking account from a judgment?
Many of the ads that you read talk about getting rid of debt, indicating straight bankruptcy. Let’s talk about the difference between bankruptcies. Chapter 7, straight bankruptcy, and Chapter 13, also referred to as bill consolidation. Did you know that many people do straight bankruptcy Chapter 7 and keep their home, car, furniture, and cash…