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.
Monday - Friday 9:00AM to 6:00PM
Saturday and Sunday by Appointments
Detroit Location (Main Office)
18551 W. Warren Ave
Detroit, MI. 48228
24300 Southfield, Ste 210
Southfield, MI 48075
Fax: (248) 864-8554
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
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.
Utility Shutoff Notice
Taking Tax Refund
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
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.
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Our attorneys have helped thousands of people achieve success with getting a fresh start.
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With Bankruptcy You Can Keep
If you’re constantly receiving phone calls from your creditors. After filing a Chapter 7 or a Chapter 13 bankruptcy, the collector calls should stop immediately. If they call you anyway, give them our phone number and we'll take care of it for you. That means no more nasty calls, no more calls at work and hopefully no more sleepless nights.
If you file for personal bankruptcy under Chapter 7 a so-called “automatic stay” is placed on all your creditors, including the foreclosing lender, by the court. In fact, Chapter 13 bankruptcy is actually designed to stop foreclosure and may provide you with the protection and relief you need to stay in your home while you catch up on your mortgage.
STOP CAR REPOSSESSION
After spending months saving for your dream car, the last thing that you want is for it to be repossessed. Save your car. If you are facing repossession and can’t make your payments, speak to one of our attorneys who will show you ways you can save your car. We can help you restructure your loan payments so you can keep your car.
Bankruptcy acts to stop garnishments because creditors cannot make any collections efforts upon the filing of a Chapter 7 or Chapter 13. Don’t let creditors take what is yours. Our attorneys can stop the phone calls, garnishments and lawsuits against you. With our help you never have to live in fear anymore.
Don’t let one financial hardship ruin your future. We can help eliminate the debt you are facing. Imagine how good it will feel to never have a creditor call or threaten you again. We will work to keep your assets, remove the debt and get you back on your feet and repairing your credit
CHAPTER 7 OR 13 BANKRUPTCY
If you're experiencing major financial difficulties, don't hesitate to call our affordable bankruptcy lawyers. The sooner you meet with us, the faster you can determine if a a Chapter 7 or Chapter 13 Bankruptcy is a solution for your situation, and the sooner you can put yourself on track for a better financial future.
"We Look Forward To Meeting You. We Can Get You Out Of Debt"
We Serve Detroit Areas, Ann Arbor Area
All Cities In
Oakland County Areas
Macomb County Areas
Wayne County Area
If we make a mistake in your bankruptcy petition that leads to you not receiving a discharge in your bankruptcy case we will refund you 100% of the attorney fees. We reserve the right to do whatever is possible to address any issue that may arise in your case at our own expense. We are not guaranteeing you a result in your bankruptcy case or that you will receive a discharge of all of your debts or any one debt. There are debts that are not dischargeable pursuant to the Bankruptcy Code. Your bankruptcy case may also involve litigation that is independent of you receiving a discharge in your bankruptcy case. We cannot guarantee that that you will obtain a discharge of any one specific debt, or of all debts.
24300 Southfield Road Suite 210
Southfield, MI 48075
_____________ Advanta Law Firm ______________________
1. The creditors can’t garnish you
2. They can’t call you, sue you or bill you
3. Your credit score will jump