Our Michigan Bankruptcy Lawyers represent individual and small business debtors in Chapter 7 and Chapter 13 bankruptcy cases, in all in all counties that are within the United States Bankruptcy Court for the Eastern District of Michigan including Detroit, Ann Arbor, Allen Park, Albion, Lincoln Park, Brighton, Howell, Saline, Monroe, Blissfield, Romulus, Southgate, Wyandotte, Livonia, Dearborn, Westland, Lansing, Hamtramck, Livonia, Canton, Redford, Lincoln Park, Taylor, East Lansing, Okemos, Warren, Sterling Heights, Roseville, Eastpointe, Battle Creek, Oak Park, Hillsdale, Inkster, Ferndale, Hazel Park, Whitmore Lake, Plymouth, Farmington, Trenton, Flat Rock, Tecumseh, Clinton, Chelsea, Novi, Garden City, Westland, Northville, South Lyon, Milan, Brooklyn, Melvyndale, Ecorse, Belleville, Canton, Wayne County, Ingham County, Washtenaw County, Monroe County, Macomb County, Livingston County, Shiawassee County, Clinton County, Eaton County, Calhoun County, Branch County, Hillsdale.  The information contained herein is not legal advice. Any information you submit to us may not be protected by attorney-client privilege. 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.  An attorney responsible for the content of this Site is M. Zaher, Esq., licensed in the State of Michigan with offices at 18551 W. Warren Ave., Detroit, MI. 48228

We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.
Office Hours: 
Monday - Friday 9:00AM to 6:00PM
Saturday and Sunday by Appointments
Detroit Location (Main Office) 
18551 W. Warren Ave 
Detroit, MI. 48228 
Southfield Location 
24300 Southfield, Ste 210
Southfield, MI 48075
Phone: 1-313-982-0010
Fax: (313) 271-2561 
"We Look Forward To Meeting You. We Can Get You Out Of Debt"

Toll FREE : 1-877-471-4049
Southfield Location
24300 Southfield Road, Ste 210
Southfield,  MI.   48075
Detroit Location
18551 W. Warren Ave 
Detroit,  MI.. 48228
(313) 982-0010 
We have some of the lowest bankruptcy 
rates in Detroit & surrounding counties.
Wage Garnishments
Creditor Harassment 
Collection Calls 
When you file a bankruptcy, 90-days prior to the date that you filed, you’re considered bankrupt. So, basically, anything you do within 90-days, many times, the creditor can go back and look into what you’ve done in that 90-days period. That’s why we’re able to recover garnishments within 90 days because you’re considered bankrupt in that period throughout. If you go out and buy electronics and luxury goods on credit, there’s a presumption that that’s a non-dischargeable debt. If you’ve gone on and used your credit card to buy groceries or put gas in a car, that’s not such a big deal but if they see cash advances or went to Wallmart and bought a 90-inch flat screen TV, that’s a problem.
90 days rules
We will help you cancel the majority, if not all, of your debts
Toll FREE: 1-877-471-4049 
Michigan Bankruptcy Lawyers 
Local: 1-248-281-6299
Living Paycheck to Paycheck 

Worried About Late Payments

Creditor Collection Calls

Advantages of Living a Debt Free Life 
Reduction in the cost of living
No more debt 
No more harassment 
More control over your lifestyle
Reduced stress
Ability to save and invest
Better Financial Health
Inner peace
What is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is designed for individuals (and married couples) who can’t pay their bills such as credit cards, medical..etc. If your monthly income less your monthly expenses then you’re may eligible for a Chapter 7 bankruptcy. Generally speaking, you will be able to wipe out your debt such as credit cards, medical and dental bills, unsecured personal loans and others. In Chapter 7, you may keep your house, car and no more garnishment. 
What kinds of debt can bankruptcy eliminate?

Filing under Chapter 7 may allow many types of debts to be wiped out completely:

■credit card debt

■electric, gas, water, and other utility bills

■medical, dental, and vision bills

■personal and unsecured bank loans

■automobile loan obligations remaining on a repossessed vehicle

■mortgage loan obligations remaining on a foreclosed home

What is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy in Michigan involves debt reorganization. Basically it is a propose a payment plan, which can get mortgage, car payment arrears and other debts caught up and pay anywhere from 1 percent to 100 percent of the amounts owing to credit card, medical bills and other unsecured creditors.

Clients who typically choose this type of debt relief have fallen behind on their mortgage, car payments, income taxes or other obligations. Or they may not qualify for Chapter 7 relief. They want to keep their property, but need additional time to catch up. Chapter 13 provides a means of paying tax and other non-dischargeable debt over time, often without interest or penalties.
Stop Wage Garnishment , Keep Your Paycheck, Stop Harassing Phone Calls Protect Your Income and Assets, Save Money and Time
Ask us about 
Extended Weekday Evening Hours

Same-Day & Next-Day 
Appointments Available
Can i file bankruptcy and keep my car loan ------ Yes 
Can i keep my car if i file chapter 13--------------- Yes 
When you file bankruptcy what happens to your home-------- Probably nothing 
If i declare bankruptcy what happens to my garnishment------- Stop 
Will i lose my job in chapter 7 or 13 --------- No 
Can utility bills be included in chapter 7 or chapter 13----- Yes 

With Bankruptcy You Can Keep Your Car, Your Home, Your Furniture, Your Bank Account & More...
Meet One Of 
Our Bankruptcy Attorneys 
Avi Adler 

HomeWhich Chapter is For MeChapter 7 Privacy Policy Bankruptcy  Q&AContact Us

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Are you being harassed by creditors?

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When filing for bankruptcy do not ever do any of the following actions:

Do not accrue any further debt. This includes charges on credit cards, unsecured loans or similar transactions. Knowingly entering into borrowing arrangements when you are preparing to file bankruptcy can cause serious problems.

Do not make transfer ownership of any property (cars, land, homes, etc.). Willfully transferring ownership of real property when you are preparing to file for bankruptcy is essentially hiding assets and will cause you a lot of trouble.
What Happens to Tax Refunds in Bankruptcy?

Tax refunds you are entitled to receive are considered property in bankruptcy just like money in your bank account. You must disclose any anticipated tax refunds as an asset on your bankruptcy schedules. This means that if you want to keep your refund, you must be able to exempt it. If you can exempt your tax refund in Chapter 7 bankruptcy, you can keep it. 
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