Thinking about Bankruptcy?
HAVING Difficulties with YOUR mortgage lending?

— Fight back when creditors become abusive!
We can help you find your best options.

Foreclosure happens — BUT NOT TO OUR CLIENTS — and not to you!

You have choices.
Do you know what they really are?

Feel no guilt nor shame. Life happens. You deserve a fresh start.
You deserve to wipe the slate clean. We can help.

Let us help YOU: A simple call to Michigan Attorney Lawyers will cease the demanding debt-collector calls, and put the credit burden behind you. Professional bankruptcy attorneys in Michigan have prepared this site to help you get the bankruptcy information you need and find a personal bankruptcy lawyer that has your best interests in mind.

If consumer/credit card debthas you buried, if harassing creditors are calling at all hours, if you have been threatened with lawsuits and other collection activities.

This comprehensive web site will provide bankruptcy information to help you determine the options available.

Filing bankruptcy is a major decision and can result with many benefits for the debtor including legal action to stop foreclosure, wage garnishment and creditor harassment.

Whether you're contemplating a Chapter 7 Bankruptcy or a Chapter 13 bankruptcy or just want to know more about Detroit Bankruptcy Court — tons of metro Detroit personal bankruptcy information is available right here, brought to you by a Detroit attorney.

Make your phone your friend again.

>>CONTACT A BANKRUPTCY ATTORNEY NOW

Michigan Attorney Lawyers serve not just Detroit, but all of southern Michigan, including Wayne County, Livingston County, Oakland County, Macomb County, and Washtenaw County.

Chapter 7
Bankruptcy proceedings instituted under Chapter 7 of the Bankruptcy Code provide a "fresh start" for the debtor. When filing under Chapter 7, the debtor seeks to have each debt forgiven. In certain cases where debts represent items purchased on credit, for which the seller has retained a security interest, the court may require those items to be surrendered to the seller in exchange for the debt being forgiven. Once the court has determined that a debtor has fairly presented their financial situation, a discharge order will be signed granting the relief-requested forgiveness of each debt listed.

Call today: 1-800-SAVEDME (728-3363)

Chapter 13
Some individuals may find that while their debts are indeed overwhelming, they still have a strong enough cash flow to continue making decreased payments to their creditors. Under this structure, the debtor prepares a plan with their attorney, which takes into account all sources of income and estimated living expenses. The income that remains after living expenses are satisfied is then divided up among the creditors in a "plan" that must then be approved.

BANKRUPTCY is one of several options.
There are many others:
• REFINANCE
• CASH FOR KEYS
• SALE
• PAYMENT PLAN

The Mortgage company has an attorney and so should you. If you do nothing, these things will happen to you:

• LOSS OF HOME • DESTRUCTION OF CREDIT • EVICTION • INABILITY TO FINANCE A NEW HOME • SOCIAL EMBARRASSMENT

Lawsuits & Bankruptcy

Lawsuits:
Being sued with a lawsuit is one reason many people contemplate filing bankruptcy. It's a factor, but only one, that should be considered.

Generally:
If there is a lawsuit or lawsuits against you, it may be a wise course to file bankruptcy. This would cease all attempts to collect on the future judgment the creditors may get.

Do I Answer the Complaint?
If you don't answer it, you will have no defense if it goes to trial. Doing nothing could result in a judgment against you.

Judgments:
Judgment then bankruptcy, or bankruptcy first?
When there is an option, Michigan Attorney Lawyers suggest avoid having judgments against you. Sure, the bankruptcy will avoid and remove judgments, but given a choice, it's probably preferable to file the bankruptcy before there is a judgment against you.

Catch-all?
There is not a magic pill that fits all situations. You will want to contact a bankruptcy attorney in your area who can properly assess your overall circumstances. If you are in the metro Detroit area or live in Michigan — we can help you here.

Call Us Today: 1-800-SAVEDME (728-3363)