Chapter 7 Bankruptcy Attorney in Detroit

What Chapter 7 Does for Detroit Families

Chapter 7 can provide a relatively fast fresh start. In many cases, qualifying credit-card, medical, personal-loan, and utility debts may be discharged within a few months. Filing generally activates the automatic stay, which can pause many collection actions.

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, after which the automatic stay generally takes effect.
3. One short trustee meeting, usually about ten minutes.
4. Discharge — qualifying debts covered by the order no longer have to be repaid.

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