Most people think of bankruptcy as another word for failure. This couldn’t be farther from the truth. Bankruptcy is the ability to either extinguish or renegotiate your debt so that you can get back on your feet and get the fresh start you need. Everyone can look at themselves and see situations where they should have turned left instead of right - trying to find blame or blaming yourself for your financial situation. This is a waste of time. You cannot unring a bell, you are in the situation you are in so quit looking back and start looking forward.

Most clients come in after numerous sleepless nights and tell us how they feel there is no other option. In a lot of cases they already borrowed against their retirement and have no way to pay off their bills. We are the last resort. Although we can still help, if you are in this situation you need to talk to an attorney before, not after. Why? Because in a lot of situations you may be able to save your retirement funds.

Bankruptcy isn’t just a court date and a discharge, there is much more to it. When you come in, we discuss with you your situation, see what your goals are and how we can best meet those goals. In most situations you can keep your house, you can keep your car, you will be able to keep your personal property and you will keep your dignity. We will help you through credit counseling, not only a requirement but an opportunity to see how you can getter a better fresh start. Bankruptcy shouldn’t be looked at as an end but as a beginning.

If you have already thought about bankruptcy in Michigan, then you need to contact a Michigan bankruptcy attorney for an appointment. Think of bankruptcy as an opportunity - a chance to get sleep at night again.

Types of Bankruptcy We Practice At Our Office:

• Chapter 7 - This type of bankruptcy is where your debts are discharged. You must meet the Means Test to be eligible for Chapter 7
• Chapter 13 - This type of bankruptcy is where some debts may be discharged and some may be renegotiated. If you don’t meet the means test, then you will fall into a Chapter 13.

*Note: Everything said above is for information purposes only and should not be considered legal advice. Each person and each situation is different. We will be happy to help you with your situation but don’t rely on the information above - call us at (248) 230-4103 to speak with a Michigan bankruptcy attorney, today.