Let Us Help You Make A Fresh Start
Do you feel burdened by debts and hassled by creditors? Even if you’ve historically been very responsible with your finances, a single emergency can send a household into a debt spiral that is difficult to climb out of.
Thankfully, you don’t need to struggle under a mountain of debt forever. A bankruptcy attorney can help you file for Chapter 7 or Chapter 13 bankruptcy so you can reduce the weight of your debts and get your finances back on track.
At Phoenix Law, we offer bankruptcy legal services to clients throughout southeastern Michigan, including Livonia, Garden City, Westland, Wayne and Canton.
For a free consultation with an experienced and caring bankruptcy attorney, call us in Livonia at 734-779-9999 or complete our contact form. Please include your name and a time you would like to meet. We look forward to helping you make a fresh start.
Learn About The Two Types of Bankruptcy
Individuals can file for two types of bankruptcy: Chapter 7 or Chapter 13. Work with a bankruptcy lawyer to figure out which chapter will be the most useful for you based on your financial situation. Chapter 7 bankruptcy allows you to permanently discharge your debts, while Chapter 13 bankruptcy consolidates your debts into a manageable payment.
Chapter 7 Bankruptcy
When you file for Chapter 7 bankruptcy with the help of a bankruptcy attorney, you can discharge unsecured debts such as credit card and medical bills. You can also liquidate some assets and use the money to pay off debts that you otherwise wouldn’t. A bankruptcy lawyer from Phoenix Law can help you understand how to keep your home and vehicles throughout this process.
Our Chapter 7 FAQ provides more information.
Chapter 13 Bankruptcy
When you file for Chapter 13 bankruptcy, your bankruptcy lawyer will help you create a repayment plan that includes most or all of your debts. Instead of making multiple payments to multiple creditors, you can make one manageable payment each month until you clear your debts.
Our Chapter 13 FAQ has more information.
Important: The Automatic Stay Against Creditors
Whichever chapter you choose, you are granted an automatic stay, which means that creditors and collectors can no longer contact you and you don’t need to worry about repossession or foreclosure.
Get Started Today
If you need help recovering from a financial emergency, contact Phoenix Law for help from a bankruptcy attorney in the Livonia, Michigan, area. Call 734-779-9999 or fill out our contact form to set up a free consultation. We can help you get back on your feet.