Chapter 7 Bankruptcy Attorney in Detroit

What Chapter 7 Does for Detroit Families

Chapter 7 is the fastest way to a genuine fresh start. In roughly 90 to 120 days, qualifying debts — credit cards, medical bills, personal loans, old utility balances — are discharged completely. The moment we file, the automatic stay stops collector calls, garnishments, and lawsuits.

Do You Qualify for Chapter 7 in Michigan?

Qualification runs through the means test, which compares your household income to Michigan's median. Most working families who are behind on unsecured debt qualify. If your income is above the line, Chapter 13 may be the better tool — we'll tell you honestly which one fits. Detroit cases are filed in the U.S. Bankruptcy Court for the Eastern District of Michigan.

What You Keep

Michigan's exemptions protect the things a fresh start requires: your home equity up to the exemption limit, your vehicle, retirement accounts, household goods, and tools of your trade. The picture of “losing everything in bankruptcy” is a myth for the overwhelming majority of our clients.

How It Works at Our Firm

1. Free consultation at our Grand River Avenue office (or by phone).
2. We prepare and file your petition — and the automatic stay takes effect.
3. One short trustee meeting, usually about ten minutes.
4. Discharge — your qualifying debt is gone, and rebuilding begins.

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Take the first step toward peace of mind. Fill out the form below or call us today for your confidential consultation.