Experienced Chapter 7 Attorneys Serving All of Michigan
Chapter 7 is the most common path to a fresh start in Michigan. If credit cards, medical bills, judgments, or wage garnishment have taken over your budget, Moran Law can help you understand whether Chapter 7 can wipe out qualifying debt and stop most collection.
We serve Michigan residents statewide by phone and video from our Royal Oak and Flint offices. No unnecessary office visit required. In the last 20 years, our bankruptcy attorneys have helped over 15,000 clients in Michigan get the fresh start they deserve.
Call 866-473-1996 for a free consultation.
Read our full guide: https://www.michiganbankruptcyfirm.com/blog/chapter-7-bankruptcy-michigan
What is Chapter 7 Bankruptcy?
Chapter 7 is often called a fresh-start or straight bankruptcy. For eligible filers, it can permanently discharge qualifying unsecured debts — including many credit cards, medical bills, lawsuit judgments, and repossession deficiencies so you are no longer personally liable for them.
When your case is filed, an automatic stay generally stops wage garnishment, collection calls, letters, and most lawsuits. Michigan exemptions protect many essentials for eligible filers; your consultation is where we review what you can keep.
If you have more questions, our Michigan Chapter 7 attorneys can walk you through the process in plain language.
Why Choose Chapter 7 Bankruptcy
What are the advantages of choosing Chapter 7 over Chapter 13 bankruptcy? If you want to learn more about Chapter 7 bankruptcy and whether it’s the right option for you, we provide the information needed to help make the decision that’s in your best interest.
Advantages of Chapter 7
What are some of the advantages of Chapter 7 bankruptcy? Here are the advantages of filing for Chapter 7 bankruptcy with a Michigan attorney:
You receive a completely fresh start. After the bankruptcy is discharged, the only debts you owe will be for secured assets on which you choose to sign a “Reaffirmation Agreement.”
You have immediate protection against creditors’ collection efforts and wage garnishment after filing.
After the bankruptcy filing date, wages you earn and the property you acquire (except for inheritances) are yours, not the creditors or bankruptcy court.
There is no minimum amount of debt required.
Your case is often over and completely discharged in about 3-6 months.
Disadvantages of Chapter 7
Here are the disadvantages to filing for Chapter 7 with a Michigan attorney:
You lose your non-exempt property, which the trustee sells. If you want to keep a secured asset, such as a car or home, and it is not completely covered by your Michigan bankruptcy exemptions, Chapter 7 is not an option.
If facing foreclosure on your home, the automatic stay created by your Chapter 7 filing only serves as a temporary defense against foreclosure.
Co-signors of a loan can be stuck with your debt unless they also file for bankruptcy protection.
If you filed a prior case and received a discharge of your debts, you can only file a second Chapter 7 bankruptcy case eight years after filing the first case.
If you have additional questions regarding your financial situation, our expert Michigan Chapter 7 attorneys can help you decide the best course of action for you.
The Chapter 7 Bankruptcy Process
The Chapter 7 bankruptcy process typically spans 4 – 5 months. When you work with an experienced Michigan Chapter 7 attorney at Moran Law, here are the steps we can help you take:
Meet with a Michigan bankruptcy attorney at Moran Law.
If you decide to file with Moran Law, you determine whether you pay the attorney fees upfront or if you prefer (and qualify) to put $0 down and finance the fees.
Complete your pre-filing credit counseling requirement.
Gather documentation required to file for Chapter 7 in Michigan. Here is what you should provide:
Last six months of income (this includes pay stubs and other documents).
Last two years of income tax returns.
Bills and debt obligations, etc.
Review and sign prepared Chapter 7 bankruptcy petitions and schedules.
Your Chapter 7 case is filed, and a case number is established.
Attend a 341 court hearing with a Moran Law attorney.
Complete the Post-filing Debtor Education course
You get discharged of your debts - a document processed and provided by the court.
Get a fresh start with your finances.
Our helpful attorneys are here to walk you through the entire process. Learn more about how to file for bankruptcy in Michigan.
CONTACT US!
Our Michigan attorneys can help you file for Chapter 7 Bankruptcy.
Speak to Michigan Chapter 7 Bankruptcy Attorney
Are you ready to take the next step in becoming debt-free? Speak to a Michigan Chapter 7 bankruptcy attorney today. Working with Moran Law, you’ll receive positive, and comprehensive advice to assist you through the Chapter 7 filing process and eliminate your debts. We serve all of Michigan, and provide f consultations, and offer a 100% money-back guarantee.
Call the attorneys at Moran Law at 866-473-1996 or schedule a consultation online. We’ll help you reclaim control of your finances and get the fresh start you deserve.
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Areas of Service
We have two law office locations in Michigan, located in Royal Oak and Flint. In addition, our attorneys provide chapter 7 bankruptcy services via virtual meetings and phone calls to Michigan residents, which includes the following cities and areas:
