You don’t have to face debt alone.
When the garnishments start, the collectors won’t stop calling, or you’re lying awake wondering how you’ll make it to the next paycheck — it can feel isolating. Confusing. Heavy.
Moran Law was built for that moment.
For 20 years, Attorney Ryan Moran and the Moran Law team have helped more than 15,000 Michigan clients find a real path forward especially through Chapter 7 bankruptcy, stopping wage garnishment, and a clear plan for a fresh start. When Chapter 13 is the better fit (or the only practical fit), we say so plainly — including for mortgage catch-up, getting a car back after repossession, or when the means test points that way.
You’re not a case number here. You’re a person who deserves options, straight answers, and a team that has walked this road with thousands of Michigan families.
We treat every client with dignity, believe in second chances, and work without judgment.
Call 866-473-1996 to book your Free Fresh Start Session — free, confidential, and built around your numbers.
Attorney Ryan Moran Founder
Often when people first call us, they’ve been worn down by creditors. Theyre scared, unsure what to do next, and tired of carrying it alone. Maybe you can relate.
I grew up in the Metro Detroit area. My path ran through finance — including work as an economic analyst at the Chicago Board of Trade — and into bankruptcy law, because helping people in a money crisis get a real fresh start felt like the natural place to put that background to work for Michigan families.
Watching clients come out of crisis with a fresh start never gets old. Many clients can finance a car soon after a Chapter 7 discharge. A conventional mortgage usually takes longer — often about four years — while FHA or VA can be sooner. We’re not only here to help you get out of trouble. We’re here to help you rebuild.
— Ryan Moran, Founder, Moran Law
Full credentials: https://www.michiganbankruptcyfirm.com/about-moran-law/ryan-moran
Credentials & experience
Before opening his Michigan practice, Ryan worked in Chicago as an economic analyst for a bond-trading firm at the Chicago Board of Trade a real-world finance background he still brings to every client conversation about debt, numbers, and next steps.
• J.D., Michigan State University College of Law (full merit scholarship); MSU Law moot court board
• Law-school clerkship, U.S. Department of Veterans’ Affairs, Office of General Counsel (Washington, D.C.)
• B.A., Finance and Business Economics, Wayne State University — cum laude; T. Norris and Vivilore Hitchman Endowed Scholarship
For the full bio, see Attorney Ryan Moran: https://www.michiganbankruptcyfirm.com/about-moran-law/ryan-moran
What Moran Law helps with
We focus on the problems that keep Michigan families up at night:
• Chapter 7 bankruptcy — often the cleanest path to wipe out qualifying unsecured debt and get a true fresh start
• Stopping wage garnishment — filing can trigger the automatic stay that stops most garnishments; we’ll explain timing and exceptions in plain English
• Chapter 13 bankruptcy still a real option when you need it: catch up a delinquent mortgage through a court plan, work toward getting a car back after repo in many cases, or when income / the means test means Chapter 7 isn’t available
• Creditor harassment, collections pressure, and the practical what can I keep?” questions that come with both chapters
We do not treat Chapter 13 as an afterthought or a hand-off. If its the right tool for your facts, we’ll say so in your Free Fresh Start Session.
Our Michigan offices
Royal Oak
25600 Woodward Ave, Ste. 201
Woodward Building
Royal Oak, MI 48067
248-246-6536
Flint
2387 S Linden Rd, Suite B-128
Flint, MI 48532
810-471-4113
We also work with clients statewide by phone and video — no unnecessary office visit required.
Free Fresh Start Session
Clarity first. Decisions second.
Your Free Fresh Start Session is a free, confidential conversation about your situation: whether filing can stop a wage garnishment, how Chapter 7 could wipe out the debt behind it, and whether Chapter 13 is an option for mortgage catch-up, repo recovery, or means-test / income limits.
You’ll leave with a clearer picture of options, timing, and cost — including flexible fee plans and as little as $0 down when it applies. We have never turned a client away because of money.
Call 866-473-1996
Royal Oak · Flint · Phone or in person
20 years · 15,000+ Michigan clients helped
Whether you’re looking at Chapter 7, Chapter 13, or you’re not sure yet — the most important thing to know is this: there are options, and no situation is hopeless. Moran Law is in the business of helping you get back on track.
