Michigan bankruptcy attorney ryan moran
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BANKRUPTCY LAWYERS SERVING DETROIT, ROYAL OAK, AND FLINT MICHIGAN
Are you overwhelmed with debt because of an illness, divorce, accident, loss of work or overtime, poor financial planning, or the state of the economy? Each year more than 1,000,000 people file with a bankruptcy lawyer. The majority are hardworking people who would pay all of their bills if they were able. The sudden loss of a job, unexpected medical bills, a divorce, or a natural disaster can quickly wipe-out a life’s savings. Our Bankruptcy specialist lawyers in Detroit and Flint are ready to help. For many, bankruptcy provides a financial second chance. Whether it’s a Chapter 7 or Chapter 13 Bankruptcy, debt consolidation or fighting back against bill collector harassment, you’ll receive patient, positive and comprehensive advice. The most important thing for you to know is that there are options, and that no situation is hopeless. Our Michigan bankruptcy law firm is in the business of helping you get back on track.
Chapter 7 Bankruptcy
Chapter 7 is the most common type of bankruptcy; it is sometimes referred to as “fresh start bankruptcy,” or “straight bankruptcy.” The basic purpose of Chapter 7 bankruptcy Michigan, is to provide you with a fresh start by wiping out all qualifying debts including credit cards, medical bills, repossession deficiencies, lawsuits as well as a variety of other debts. In chapter 7 there is no repayment required for most unsecured debts, your debts are wiped out completely and permanently. The entire process usually takes less than 4 months to complete. After the bankruptcy is over, the consumer may choose to selectively pay back debts, such as debts to family members, however repayment is not legally required.
Chapter 13 Bankruptcy
Filing Chapter 13 Bankruptcy is an option for debtors provided they have income or wages sufficient to fund a repayment plan. Bankruptcy laws also set certain limitations on both secured and unsecured debt. If a debtor is over those limits, they are not eligible to file a Chapter 13 Bankruptcy. If you have a prior bankruptcy discharge under Chapter 7 or Chapter 13 you should consult with a qualified bankruptcy attorney to advise you of your eligibility.
Burying your head in the sand will not stop foreclosure proceedings. Ignoring the notices and being unavailable may cause the bank to move more quickly. You don’t have to live in your current state of worry and fear. Make the choice to take control of your financial situation by contacting the Detroit bankruptcy attorneys at Moran Law.
Stop Car Repossession
Repossession laws differ across the country. State laws dictate how a repossession is handled in Michigan. Detroit area residents facing repossession of a car need to understand what the law is and what protections may exist for them. Filing bankruptcy can stop repossession and help you pay off the debt owed on your car note. If you are under threat of repossession in the Detroit area let the bankruptcy attorneys at Moran Law help.
Bad things can happen to good people. An unexpected medical crisis can cost you thousands of dollars. Being out of work with not enough insurance to cover your expenses can cause your debts to spiral out of control quickly. Your recovery shouldn’t be hampered by debt collectors calling. Find out how bankruptcy can help you clear your medical debts. Let the Detroit bankruptcy attorneys at Moran Law help you through these hard times.