For Michigan residents in Alpena who are struggling to make payments, Moran Law Firm is here to help. Whether you are in debt due to illness, divorce, accident, loss of work, or poor financial planning, our attorneys help Alpena, Michigan residents file for bankruptcy to get a fresh start. 

To successfully get out of debt, you will need an experienced Alpena bankruptcy attorney to guide you through the process, while providing the best solution for your personal financial situation. Our team will work closely via phone or video chat to do just that. Our Michigan law firm has helped over 9,000 residents state-wide, including bankruptcy cases for those in the Alpena area. Schedule your free consultation today.

How can Moran Law help you?

Chapter 7 Bankruptcy Attorneys for Alpena

Chapter 7 bankruptcy (also referred to as “fresh start bankruptcy”, or “straight bankruptcy”) is the most common type of bankruptcy. The purpose of Chapter 7 Bankruptcy in Alpena, is to provide you with a fresh start.

How does this help?

Filing Chapter 7 bankruptcy wipes 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.

Alpena Chapter 13 Bankruptcy Attorneys

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.

How Does this help?

Chapter 13 bankruptcy allows you to catch up on your repayments with a payment plan. By filing for Chapter 13 Bankruptcy, you are able to save their home and other assets from foreclosure or repossession with a payment plan. This lasts as long as it takes to get back on track. Our Alpena bankruptcy attorneys can help you through the process.