Bankruptcy Information





Michigan Bankruptcy Law   Michigan Bankruptcy com     Michigan Bankruptcy Process Bankruptcy Act Credit Counseling The Bankruptcy Act requires all individual debtors who file bankruptcy on or after October to undergo credit counseling within six months before filing for bankruptcy relief and to complete a financial management instructional course after filing bankruptcy Bankruptcy Act Means Test Under the Bankruptcy Act you income and expenses will be analyzed to determine if you qualify to file a Chapter or if you must file Chapter To apply the means test the courts will look at the your average income for the months prior to filing and compare it to the median income for that state If the income is below the median then you may choose Chapter If your income exceeds the median the remaining parts of the means test will be applied to determine if you can file Chapter or if you must file Chapter Your will likely still be able to file a Chapter bankruptcy if you are unable to pay at least over the next five years to your unsecured creditors after your expenses However if you can pay at least over five years your Chapter will likely be

Michigan Bankruptcy Law   Michigan Bankruptcy com     Bankruptcy Michigan Frequently Asked Questions Bankruptcy is a legal proceeding in which an individual who cannot pay his or her bills can get a fresh financial start The right to file for bankruptcy is provided by federal law and all bankruptcy cases are handled in federal court Filing bankruptcy immediately stops all of your creditors from seeking to collect debts from you at least until your debts are sorted out according to the law Bankruptcy may make it possible for you to Eliminate the legal obligation to pay most or all of your debts This is called a discharge of debts It is designed to give you a fresh financial start Stop foreclosure on your house or mobile home and allow you an opportunity to catch up on missed payments Prevent repossession of a car or other property or force the creditor to return property even after it has been repossessed Stop wage garnishment debt collection harassment and similar creditor actions to collect a debt Restore or prevent termination of utility service Allow you to challenge the claims of creditors who have committed fraud or who are otherwise trying to collect

           DetroitBankruptcyLawyer com Dedicated to helping people file Bankruptcy for over years Get a Fresh Start Call or e mail me for a FREE Bankruptcy START UP Packet   WALTER  or DEBT GONE   or Stop Foreclosure Stop Garnishments Stop Repossessions Stop Bill Collectors Board Certified Consumer Bankruptcy Specialist American Board of Certification As a Detroit bankruptcy lawyer I have personally helped thousands of people in the greater Detroit area get a fresh start debt free with Chapter Bankruptcy or develop an affordable repayment plan in Chapter I am a Board Certified Consumer Bankruptcy Lawyer and a Debt Relief Agency   We help individuals married couples and small business file Bankruptcy under  Federal Bankruptcy Laws as provided by United States Constitution I take pride in preparing each case myself to assure the job is done right and I represent my clients personally in Court I see to it that my clients obtain the full relief the United States Bankruptcy Code can offer them I vigorously protect my clients rights and protect them from creditor abuse I have helped many families and individuals overcome the stress that financial problems can cause My expertise as a bankruptcy lawyer always results

Research Legal Information   Research Areas of Law   Related Links       Bankruptcy in Michigan There is no magic formula for deciding when bankruptcy is the right choice It is an option you might consider if you Are paying only minimum amounts on your bills Can’t budget yourself out of debt within five years Are getting notices that your mortgage or loans are being foreclosed Have had a severe financial setback such as losing your job or a major client a divorce or a costly illness Bankruptcy does not get rid of all debts You are still responsible for Most recent back Recent large purchases of more than for luxury goods bought within days of filing Fines or penalties of government agencies Fraudulent debts Cash advances of within days of filing As a consumer you can file for bankruptcy in Michigan under either to wipe out all debts except those listed and get an immediate fresh start or to set up a repayment plan to pay back your debts over several years’ time New Bankruptcy Law On April the President signed into law the which limits individual access to US bankruptcy courts Some of the effective changes include

Personal Bankruptcy Lawyer Walter Metzen located in Penobscot Bldg Downtown Detroit Michigan Attorney Metzen filing Chapter and Consumer Bankrupcty in metro Detroit WALTER or



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